# EDGAR Filing Document

**Accession Number:** 0002062117
**File Stem:** 0001999371-25-014963
**Filing Date:** 2025-10
**Character Count:** 2844413
**Document Hash:** 3d590e9209b09b16c173213ff4f688d9
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-014963.hdr.sgml**: 20251008

**ACCESSION NUMBER**: 0001999371-25-014963

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

**PUBLIC DOCUMENT COUNT**: 39

**CONFORMED PERIOD OF REPORT**: 20251008

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

**FILED AS OF DATE**: 20251008

**DATE AS OF CHANGE**: 20251008

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Residential mortgages - Non-Prime

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GCAT Depositor V LLC
- **CENTRAL INDEX KEY:** 0002062117

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07662
- **FILM NUMBER:** 251382990

**BUSINESS ADDRESS:**
- **STREET 1:** 245 PARK AVENUE, 26TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 212-692-2126

**MAIL ADDRESS:**
- **STREET 1:** 245 PARK AVENUE, 26TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GCAT Depositor V LLC
- **CENTRAL INDEX KEY:** 0002062117

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 245 PARK AVENUE, 26TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 212-692-2126

**MAIL ADDRESS:**
- **STREET 1:** 245 PARK AVENUE, 26TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167

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

**<u>GCAT Depositor V LLC</u>**

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

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

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: 0002062117

<u>GCAT 2025-NQM6 Trust</u><br> (Exact name of issuing entity as specified in its charter)

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

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

Thomas Durkin, (212) 692-2000

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 l5Ga-1 Representations and Warranties Disclosure

Not Applicable

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

Not Applicable

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

Not Applicable

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

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

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

EXHIBIT INDEX

---

| | |
|:---|:---|
| [99.1](ex99-1.htm) | AMC Diligence, LLC ("AMC") Executive Summary |
| [99.2](ex99-2.htm) | AMC Rating Agency Grades |
| [99.3](ex99-3.htm) | AMC Exception Grades |
| [99.4](ex99-4.htm) | AMC Valuation Summary |
| [99.5](ex99-5.htm) | AMC Supplemental Data |
| [99.6](ex99-6.htm) | AMC Data Compare |
| [99.7](ex99-7.htm) | Canopy Financial Technology Partners, LLC ("Canopy") Narrative |
| [99.8](ex99-8.htm) | Canopy RA Grades Detail Report |
| [99.9](ex99-9.htm) | Canopy RA Grades Summary Report |
| [99.10](ex99-10.htm) | Canopy Valuation Report |
| [99.11](ex99-11.htm) | Canopy ATR QM Report |
| [99.12](ex99-12.htm) | Canopy Data Compare |
| [99.13](ex99-13.htm) | Canopy Supplemental Data Extract |
| [99.14](ex99-14.htm) | Consolidated Analytics, Inc ("Consolidated") Narrative |
| [99.15](ex99-15.htm) | Consolidated Exception Standard Report |
| [99.16](ex99-16.htm) | Consolidated Valuations Summary Report |
| [99.17](ex99-17.htm) | Consolidated Grading Summary Report |
| [99.18](ex99-18.htm) | Consolidated Supplemental Report |
| [99.19](ex99-19.htm) | Consolidated Data Compare Report |
| [99.20](ex99-20.htm) | Covius Real Estate Services, LLC ("Covius") Due Diligence Narrative |
| [99.21](ex99-21.htm) | Covius ATR OR QM Report |
| [99.22](ex99-22.htm) | Covius Tape Compare |
| [99.23](ex99-23.htm) | Covius Exceptions Report |
| [99.24](ex99-24.htm) | Covius Grades Report |
| [99.25](ex99-25.htm) | Covius Valuation Report |
| [99.26](ex99-26.htm) | Maxwell Diligence Solutions, LLC ("Maxwell") Narrative |
| [99.27](ex99-27.htm) | Maxwell Standard Exceptions Report |
| [99.28](ex99-28.htm) | Maxwell Grading Report |
| [99.29](ex99-29.htm) | Maxwell Valuation Report |
| [99.30](ex99-30.htm) | Maxwell Supplemental Data Report |
| [99.31](ex99-31.htm) | Maxwell Data Compare Report |

---

**SIGNATURES**

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

GCAT Depositor V LLC

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (Depositor)

Date: October 8, 2025

<u>/s/ Thomas Durkin</u>

Name: Thomas Durkin

Title: President (senior officer in charge of securitization)

## Exhibit 99.1

[GCAT Depositor V LLC ABS-15G](gcat-abs15g.htm)

**Exhibit 99.1**

![](ex991001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed the due diligence services described below (the "Review") on residential mortgage loans and business purpose loans originated by various parties who are sellers to Blue River Mortgage V LLC or its affiliates (the "Client") through flow or mini-bulk transactions. The Review was conducted from April 2025 through September 2025 on mortgage loans with origination dates from September 2023 through August 2025 via files imaged and provided by the Client for review.

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

The total population of the Review covered 597 mortgage loans totaling an aggregate original principal balance of approximately $318.216 million.

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

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), identified above.

**(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 HCLTV |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original HLTV |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Guideline Name | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Origination Channel |
| &nbsp;&nbsp;Borrower EIN | &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;Originator Loan Designation |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;PITIA Reserves Months |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Last Property Transfer Date | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Lender | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Loan Property Count | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;State |
| &nbsp;&nbsp;City | &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Total Income |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Universal Loan Identifier (ULI) |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Zip |

---

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

**<u>CREDIT SCOPE (341 Mortgage Loans):</u>**

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

**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, and (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate.

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

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

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

**DU/LP Review:** When provided and appropriate, AMC verified that DU findings included an approved/ineligible decision where required by the guidelines. However, all mortgage 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

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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 (256 Loans)</u>**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

---

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

---

**(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, and (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.

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.**

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**<u>COMPLIANCE SCOPE (341 Mortgage Loans)</u>**

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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.

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&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;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified 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 |

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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 |

---

---

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

---

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

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

In addition to the above, for loans (i) that are designated as "Yes" with respect to a VSH indicator, (ii) for which such "Yes" VSH indicator was provided within the loan images, on the data tape or in the deal notes, and (iii) for which the related mortgage loan guidelines utilized one of the specified GSE June 2020 guidelines to meet VSH, AMC performed an additional variance evaluation on such QM (APOR) mortgage loans. AMC's variance evaluation consists of a review of such mortgage loan to identify documentation variances that would cause one to question the VSH attestation provided by the lender. If variances were identified, the mortgage loan would not be identified by AMC to meet the VSH documentation requirements under either the Fannie Mae guidelines or under the Freddie Mac guidelines, and the AMC report will indicate "No" with respect to such mortgage loans. The results of the variance evaluation are reflected in the reports.

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

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

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

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

 

*<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

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mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

 

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

AMC confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, AMC reviewed the appraisal for conformity to industry standards, including ensuring the 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**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Credit report;

&nbsp;&nbsp;&nbsp;&nbsp;■ Income and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;■ Asset documentation;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final 1003;

&nbsp;&nbsp;&nbsp;&nbsp;■ Changed circumstance documentation;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Subordination Agreement;

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

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

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

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

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

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

**(9) Disclaimer.**

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions, regulations, ordinances or any other laws or guidance, including, without limitation, licensing and general usury laws ("Applicable Law"). Further, there can be no assurances that in performing the review and preparing this Report that SitusAMC has uncovered all relevant factors and potential issues relating to the origination of the mortgage loans, their compliance with Applicable Law, or the original appraisals relating to the mortgaged properties, or that SitusAMC has uncovered all relevant factors that could affect the future performance of the mortgage loans. Please note that the results 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

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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.

**OVERALL REVIEW RESULTS SUMMARY**

After giving consideration to the grading criteria of the relevant NRSROs, the grading results are as follows:

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Loan Grades (# of Loans)** | &nbsp;&nbsp; **Loan Grades (# of Loans)** | &nbsp;&nbsp; **Loan Grades (# of Loans)** | &nbsp;&nbsp; **Loan Grades (# of Loans)** | &nbsp;&nbsp; **Loan Grades (# of Loans)** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;495 | &nbsp;&nbsp;278 | &nbsp;&nbsp;594 | &nbsp;&nbsp;442 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;102 | &nbsp;&nbsp;63 | &nbsp;&nbsp;2 | &nbsp;&nbsp;154 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**597** | &nbsp;&nbsp;**341** | &nbsp;&nbsp;**597** | &nbsp;&nbsp;**597** |
| &nbsp;&nbsp;**Loan Grades (% of Loans)** | &nbsp;&nbsp;**Loan Grades (% of Loans)** | &nbsp;&nbsp;**Loan Grades (% of Loans)** | &nbsp;&nbsp;**Loan Grades (% of Loans)** | &nbsp;&nbsp;**Loan Grades (% of Loans)** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;82.91% | &nbsp;&nbsp;81.52% | &nbsp;&nbsp;99.50% | &nbsp;&nbsp;74.04% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;17.09% | &nbsp;&nbsp;18.48% | &nbsp;&nbsp;0.34% | &nbsp;&nbsp;25.80% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.17% | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION CATEGORY SUMMARY**

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

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Kroll Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;65 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;FACTA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***98*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;***98*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Documents | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***132*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;***132*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;C | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Property Grade (C) Exceptions:*** | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;1 |
| &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;**3** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**233** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**S&P Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;65 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;8 |

---

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| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;7 |
|  |  | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;5 |
|  |  | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;FACTA | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***97*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;***97*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Documents | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***132*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;***132*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;C | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Property Grade (C) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;1 |
| &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;***2*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**3** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**232** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 597 mortgage loans reviewed, 362 mortgage loans had 1,792 different tape discrepancies across 54 data fields (some mortgage loans had more than one data delta). The largest variances were found on Amortization Term, Amortization Type, Lien Position, and Original Term.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;117 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;227 | &nbsp;&nbsp;477 | &nbsp;&nbsp;47.59% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;225 | &nbsp;&nbsp;480 | &nbsp;&nbsp;46.88% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;597 |

---

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;5 | &nbsp;&nbsp;256 | &nbsp;&nbsp;1.95% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Borrower EIN | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;17 | &nbsp;&nbsp;103 | &nbsp;&nbsp;16.50% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;31 | &nbsp;&nbsp;207 | &nbsp;&nbsp;14.98% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;78 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;3 | &nbsp;&nbsp;18 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;2 | &nbsp;&nbsp;519 | &nbsp;&nbsp;0.39% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;22 | &nbsp;&nbsp;27.27% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;22 | &nbsp;&nbsp;4.55% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;39 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;220 | &nbsp;&nbsp;432 | &nbsp;&nbsp;50.93% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;497 | &nbsp;&nbsp;1.21% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Guideline Name | &nbsp;&nbsp;221 | &nbsp;&nbsp;230 | &nbsp;&nbsp;96.09% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;12 | &nbsp;&nbsp;15 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;28 | &nbsp;&nbsp;277 | &nbsp;&nbsp;10.11% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Last Property Transfer Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Lender | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;225 | &nbsp;&nbsp;496 | &nbsp;&nbsp;45.36% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Loan Property Count | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;5 | &nbsp;&nbsp;211 | &nbsp;&nbsp;2.37% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;495 | &nbsp;&nbsp;1.01% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;248 | &nbsp;&nbsp;1.61% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;434 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;408 | &nbsp;&nbsp;0.74% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Original HCLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;517 | &nbsp;&nbsp;0.19% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;519 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;594 | &nbsp;&nbsp;0.51% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;2 | &nbsp;&nbsp;260 | &nbsp;&nbsp;0.77% | &nbsp;&nbsp;597 |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;225 | &nbsp;&nbsp;514 | &nbsp;&nbsp;43.77% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;23 | &nbsp;&nbsp;232 | &nbsp;&nbsp;9.91% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;59 | &nbsp;&nbsp;436 | &nbsp;&nbsp;13.53% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;597 | &nbsp;&nbsp;0.34% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;20 | &nbsp;&nbsp;188 | &nbsp;&nbsp;10.64% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;21 | &nbsp;&nbsp;517 | &nbsp;&nbsp;4.06% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;519 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;3 | &nbsp;&nbsp;124 | &nbsp;&nbsp;2.42% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;98 | &nbsp;&nbsp;157 | &nbsp;&nbsp;62.42% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Total Income | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Universal Loan Identifier (ULI) | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;27 | &nbsp;&nbsp;597 | &nbsp;&nbsp;4.52% | &nbsp;&nbsp;597 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1792** | &nbsp;&nbsp;**11928** | &nbsp;&nbsp;**15.02%** | &nbsp;&nbsp;**597** |

---

**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;597 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$318215738.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**597** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$318215738.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;597 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$318215738.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**597** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$318215738.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.01% | &nbsp;&nbsp;$2458050.00 | &nbsp;&nbsp;0.77% |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.01% | &nbsp;&nbsp;$1338600.00 | &nbsp;&nbsp;0.42% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;227 | &nbsp;&nbsp;38.02% | &nbsp;&nbsp;$107825472.00 | &nbsp;&nbsp;33.88% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;75 | &nbsp;&nbsp;12.56% | &nbsp;&nbsp;$46610041.00 | &nbsp;&nbsp;14.65% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;235 | &nbsp;&nbsp;39.36% | &nbsp;&nbsp;$132196386.00 | &nbsp;&nbsp;41.54% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;48 | &nbsp;&nbsp;8.04% | &nbsp;&nbsp;$27787189.00 | &nbsp;&nbsp;8.73% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**597** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$318215738.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.50% | &nbsp;&nbsp;$958000.00 | &nbsp;&nbsp;0.30% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;584 | &nbsp;&nbsp;97.82% | &nbsp;&nbsp;$309173738.00 | &nbsp;&nbsp;97.16% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;10 | &nbsp;&nbsp;1.68% | &nbsp;&nbsp;$8084000.00 | &nbsp;&nbsp;2.54% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**597** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$318215738.00** | &nbsp;&nbsp;**100.00%** |

---

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;318 | &nbsp;&nbsp;53.27% | &nbsp;&nbsp;$176317784.00 | &nbsp;&nbsp;55.41% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;40 | &nbsp;&nbsp;6.70% | &nbsp;&nbsp;$17629730.00 | &nbsp;&nbsp;5.54% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.51% | &nbsp;&nbsp;$3795950.00 | &nbsp;&nbsp;1.19% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;157 | &nbsp;&nbsp;26.30% | &nbsp;&nbsp;$88315063.00 | &nbsp;&nbsp;27.75% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;16 | &nbsp;&nbsp;2.68% | &nbsp;&nbsp;$7111825.00 | &nbsp;&nbsp;2.23% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;36 | &nbsp;&nbsp;6.03% | &nbsp;&nbsp;$14690186.00 | &nbsp;&nbsp;4.62% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;14 | &nbsp;&nbsp;2.35% | &nbsp;&nbsp;$6442700.00 | &nbsp;&nbsp;2.02% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.17% | &nbsp;&nbsp;$3912500.00 | &nbsp;&nbsp;1.23% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**597** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$318215738.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;328 | &nbsp;&nbsp;54.94% | &nbsp;&nbsp;$218100177.00 | &nbsp;&nbsp;68.54% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;262 | &nbsp;&nbsp;43.89% | &nbsp;&nbsp;$93680731.00 | &nbsp;&nbsp;29.44% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.17% | &nbsp;&nbsp;$6434830.00 | &nbsp;&nbsp;2.02% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**597** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$318215738.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Review Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Full Credit/Compliance | &nbsp;&nbsp;341 | &nbsp;&nbsp;57.12% | &nbsp;&nbsp;$228019567.00 | &nbsp;&nbsp;71.66% |
| &nbsp;&nbsp;Leases | &nbsp;&nbsp;256 | &nbsp;&nbsp;42.88% | &nbsp;&nbsp;$90196171.00 | &nbsp;&nbsp;28.34% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**597** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$318215738.00** | &nbsp;&nbsp;**100.00%** |

---

17 \| P a g e

## Exhibit 99.2

[GCAT Depositor V LLC ABS-15G](gcat-abs15g.htm)

**Exhibit 99.2**

**Rating Agency Grades**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
|  | 513674202 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 597365656 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 596999374 |  |  |  |  | A |  | D | D | A |  | A | A |  |
|  | 569093544 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 599313255 |  |  |  |  | C D |  | A | C D | A |  | A | A |  |
|  | 528539672 |  |  |  |  | C D |  | A | C D | A |  | A | A |  |
|  | 569348326 |  |  |  |  | D |  | A | D | B |  | A | B |  |
|  | 587798216 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 527992372 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 551154372 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 535624946 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 593514662 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 510873520 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 540953386 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 564185651 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 540660410 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 580051615 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 569993211 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 550640342 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 527792797 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 538376321 |  |  |  |  | C D |  | A | C D | B |  | A | B |  |
|  | 570530921 |  |  |  |  | C D |  | A | C D | A |  | A | A |  |
|  | 506280036 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 536038193 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 574245205 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 527358622 |  |  |  |  | A |  | C | C | A |  | A | A |  |
|  | 514031275 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 585447066 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 513388860 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 501413393 |  |  |  |  | A |  | A | A | B |  | A | B |  |
|  | 570733440 |  |  |  |  | C |  | C | C | B |  | A | B |  |
|  | 595306878 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 501876652 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 581430035 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 506047216 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 576425157 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 582177576 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 525996161 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 514930503 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 531852757 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 565398329 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 540750474 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 532347761 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 579991303 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 503086745 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 541825377 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 526636410 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 552659111 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 525283944 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 545601536 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 505962011 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 593057774 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 543849032 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 541767485 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 546182523 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 562812178 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 544586957 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 512679554 |  |  |  |  | D |  | A | D | B |  | A | B |  |
|  | 562227584 |  |  |  |  | C D |  | A | C D | B |  | A | B |  |
|  | 545034098 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 505698494 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 590537609 |  |  |  |  | C D |  | A | C D | A |  | A | A |  |
|  | 575677643 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 582567071 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 523403763 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 525594769 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 502785164 |  |  |  |  | C |  | D | D | A |  | A | A |  |
|  | 569169905 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 535021807 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 591735296 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 591637127 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 552829434 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 593641691 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 523683530 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 510324168 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 569140668 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 581791943 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 522206048 |  |  |  |  | C D |  | A | C D | A |  | A | A |  |
|  | 528163126 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 594730582 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 584257721 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 549214039 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 566485391 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 532246673 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 568959556 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 570155073 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 564498106 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 591788079 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 579802923 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 575891023 |  |  |  |  | C D |  | A | C D | A |  | A | A |  |
|  | 563701800 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 531071145 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 541685383 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 566338596 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 572969600 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 529924980 |  |  |  |  | D |  | A | D | B |  | A | B |  |
|  | 503337822 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 557206860 |  |  |  |  | A |  | A | A | B |  | A | B |  |
|  | 566506820 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 577001477 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | 559118544 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 553542580 |  |  |  |  | C | D | A | D | A | A | A | A |  |
|  | 593052292 |  |  |  |  | D | C | A | D | A | B | A | B |  |
|  | 500668807 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 513727705 |  |  |  |  | A | C | D | D | A | B | A | B |  |
|  | 536671056 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | 565253621 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 516673917 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 580122020 |  |  |  |  | C | C | A | C | B | A | A | B |  |
|  | 535662777 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 586242968 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 553123140 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 584508593 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 576781615 |  |  |  |  | B | C | A D | C D | B | B | A | B |  |
|  | 502760453 |  |  |  |  | C | A | A | C | B | A | A | B |  |
|  | 545739764 |  |  |  |  | B | C | A | C | B | A | A | B |  |
|  | 518944157 |  |  |  |  | A | B | D | D | A | B | A | B |  |
|  | 586465197 |  |  |  |  | C | A | A | C | B | A | A | B |  |
|  | 510127824 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 555400093 |  |  |  |  | A | C | D | D | A | A | A | A |  |
|  | 553642280 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | 591897819 |  |  |  |  | C | C | A | C | B | B | A | B |  |
|  | 580189631 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 594362850 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 564984100 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 538729443 |  |  |  |  | B | C | A | C | B | A | A | B |  |
|  | 537185484 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 556313291 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 569570597 |  |  |  |  | C | C | D | D | A | B | A | B |  |
|  | 516411388 |  |  |  |  | C | B | A | C | A | B | A | B |  |
|  | 578445682 |  |  |  |  | A | B | A | B | A | A | A | A |  |
|  | 506657386 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 589482142 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 537733325 |  |  |  |  | C | C | A | C | B | A | A | B |  |
|  | 526078841 |  |  |  |  | C | C | A | C | B | B | A | B |  |
|  | 596411007 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 586722707 |  |  |  |  | A | B | A | B | A | A | A | A |  |
|  | 507325904 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 566070134 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | 517153442 |  |  |  |  | A | C | D | D | A | B | A | B |  |
|  | 520701673 |  |  |  |  | C | A | A | C | B | A | A | B |  |
|  | 565143912 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | 565364352 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 530189681 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 586251131 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 588530139 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | 550712258 |  |  |  |  | B | C | A | C | A | B | A | B |  |
|  | 595758756 |  |  |  |  | C | B | A | C | A | B | A | B |  |
|  | 521889068 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 599524552 |  |  |  |  | A | B | A | B | A | A | A | A |  |
|  | 581534575 |  |  |  |  | C | C | A | C | B | A | A | B |  |
|  | 564800206 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | 582388728 |  |  |  |  | C | C | A | C | B | A | A | B |  |
|  | 564866668 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 504667687 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 501446689 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 501870915 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 542494620 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 522188874 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | 593071857 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 516073566 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 545731737 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 500408726 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 569296880 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 502185289 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 582953880 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 558961368 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | 513442271 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 597710535 |  |  |  |  | C | A | A | C | B | A | A | B |  |
|  | 540123312 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 514517098 |  |  |  |  | C | C | A | C | B | B | A | B |  |
|  | 558947007 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 527562783 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 560755098 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 548267582 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 581942642 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 571232357 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 518069981 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 526610995 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 502071425 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 561636061 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 567843286 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 560075879 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 589144206 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 507876836 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 547815231 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 515910477 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 564244746 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 573787326 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 575748818 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 508211941 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 554909758 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 593700484 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 500218991 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 536378197 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 573209058 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 544658579 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 520762041 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 553582220 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 580142449 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 520139403 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 564348317 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | 588856566 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 536350555 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 561043919 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 587210829 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 517533680 |  |  |  |  | C | A | A | C | A | A | A | A |  |
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---

## Exhibit 99.3

[GCAT Depositor V LLC ABS-15G](gcat-abs15g.htm)

**Exhibit 99.3**

**Exception Grades**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
|  | 513674202 |  |  |  | [redacted] |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  | The signed and dated Spousal consent form is missing from the loan file. |  |  |  | Reviewer Comment (2024-08-15): Spousal consent document received. Exception cleared.<br>Buyer Comment (2024-08-14): Quit claim deed uploaded. | 08/15/2024 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 513674202 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  | The signed and dated Spousal consent form is missing from the loan file. |  |  |  | Reviewer Comment (2024-08-15): Spousal consent document received. Exception cleared.<br>Buyer Comment (2024-08-14): Quit claim deed uploaded. | 08/15/2024 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 513674202 |  |  |  | [redacted] |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender Exception Approval for LTV/CLTV to [Redacted]% when maximum LTV/CLTV is capped at [Redacted]% for the DSCR score between [Redacted]-[Redacted]. The compensating factor is the borrowers prior homeownership experience does not reflect foreclosures or short sales. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Prior homeownership Experience (No FC or SS) | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-08-08): Lender Exception with Compensating Factors. |  |  | 08/08/2024 | 2 B |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 513674202 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Lender Exception Approval for LTV/CLTV to [Redacted]% when maximum LTV/CLTV is capped at [Redacted]% for the DSCR score between [Redacted]-[Redacted]. The compensating factor is the borrowers prior homeownership experience does not reflect foreclosures or short sales. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Prior homeownership Experience (No FC or SS) | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-08-08): Lender Exception with Compensating Factors. |  |  | 08/08/2024 | 2 B |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 596999374 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Secondary valuation is not provided in the file |  |  |  | Reviewer Comment (2024-08-21): Received property report reflecting score of [Redacted] which is within guidelines. Exception cleared.<br>Buyer Comment (2024-08-20): Guidelines require a secondary valuation, CU uploaded previously with a score of [Redacted] meets guideline requirements.<br>Reviewer Comment (2024-08-15): Received document is property report not the desk review. Exception remains.<br>Buyer Comment (2024-08-14): Appraisal review uploaded. | 08/21/2024 |  |  | 1 D A |  | [redacted] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 599313255 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Net Tangible Benefit to Borrower not provided. |  |  |  | Reviewer Comment (2024-08-30): Approval received with section covered Net Tangible Benefit to Borrower, Exception cleared.<br>Buyer Comment (2024-08-29): Please see image D0001, [Redacted] Approval page 2 reflecting Refinance Net Tangible Benefit Summary. | 08/30/2024 |  |  | 1 C A D |  | [redacted] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 528539672 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Tangible Net Benefit Worksheet not provided. |  |  |  | Reviewer Comment (2024-08-30): Approval received with section covered Net Tangible Benefit to Borrower, Exception cleared.<br>Buyer Comment (2024-08-29): Please see image D0001, [Redacted] Approval reflects on page 2 Refinance Net Tangible Benefit Summary. | 08/30/2024 |  |  | 1 C A D |  | [redacted] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 569348326 |  |  |  | [redacted] |  | 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 ___. | HUD-1 total cash-out of $[Redacted] is greater than Guideline total cash-out of $[Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | DSCR is > than [Redacted]. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2024-08-19): Lender exception with compensating factors. |  |  | 08/19/2024 | 2 B |  | [redacted] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
|  | 569348326 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Title Commitment indicates subject property is vested in an LLC with two owners. Transfer Deed to the borrower was not provided. |  |  |  | Reviewer Comment (2024-08-23): Deed Provided , Exception cleared<br>Buyer Comment (2024-08-22): Quit claim deed uploaded. | 08/23/2024 |  |  | 1 D A |  | [redacted] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
|  | 551154372 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non warrantable condo (Guidelines require project approval on all condo projects). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has a clean housing payment history<br>Miscellaneous<br>Miscellaneous | Reserves exceed guideline requirements by at least [Redacted] months.<br>Prior homeownership experience (No FC or Short Sale).<br>Documented Investor/Landlord history > [Redacted] years.<br>Conservative use of credit or minimal use of revolving credit. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator<br>Originator | Buyer Comment (2024-09-16): accept<br>Reviewer Comment (2024-08-19): Lender exception with compensating factors. |  |  | 09/16/2024 | 2 B |  | [redacted] | Investment | Purchase | B A |  | N/A | No |
|  | 564185651 |  |  |  | [redacted] |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Subject property is a non warrantable condo which is ineligible per guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Reserves exceed guidelines by at least [Redacted] months.<br>FICO [Redacted]+.<br>Prior homeownership experience (No FC or Short Sale).<br>Lender Exception with Compensating Factors provided. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2024-11-25): Lender Exception with Compensating Factors provided.<br>Reviewer Comment (2024-09-03): Lender exception with compensating factors. |  |  | 09/03/2024 | 2 B |  | [redacted] | Investment | Purchase | B A |  | N/A | No |
|  | 540660410 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The Initial and signed and dated Final Business Purpose agreements are missing from the loan file. |  |  |  | Reviewer Comment (2024-09-19): Received Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2024-09-17): Initial and Final business purpose disclosures uploaded. | 09/19/2024 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 527792797 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception Request: Non-warrantable Condo<br> Exception Approved. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Excellent Credit Management with FICO [Redacted]+<br>Prior homeownership Experience (No FC or SS) | Originator,SitusAMC<br>Originator | Reviewer Comment (2024-09-09): Lender Exception with Compensating Factors. |  |  | 09/09/2024 | 2 B |  | [redacted] | Investment | Purchase | B A |  | N/A | No |
|  | 527792797 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2025-03-31): Post disaster inspection report provided exception clear.<br>Buyer Comment (2025-03-28): Please see re-inspection report attached no damage been reported. | 03/31/2025 |  |  | 1 A |  | [redacted] | Investment | Purchase | B A |  | N/A | No |
|  | 538376321 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for subject property acreage exceeds max allowed (Guidelines allow for a mac of [Redacted] acres, actual acreage is [Redacted] acres). Compensating factors are DSCR on subject property is >[Redacted], prior homeownership experience (no FC or Short sale) and low default risk with equity, LTV [Redacted]% lower than matrix. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS) | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-09-09): Lender Exception with Compensating Factors. |  |  | 09/09/2024 | 2 B |  | [redacted] | Investment | Refinance - Cash-out - Home Improvement | D B A |  | N/A | No |
|  | 538376321 |  |  |  | [redacted] |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Lender approved exception to waive the requirement for the 2nd appraisal (Guidelines require 2 appraisals for properties acquired less than 12 months, property was acquired [Redacted]). Compensating factors are DSCR on subject property is >[Redacted], prior homeownership experience (no FC or Short sale) and low default risk with equity, LTV [Redacted]% lower than matrix. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS) | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-09-09): Lender Exception with Compensating Factors. |  |  | 09/09/2024 | 2 B |  | [redacted] | Investment | Refinance - Cash-out - Home Improvement | D B A |  | N/A | No |
|  | 538376321 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Net Tangible Benefit Form not provided. |  |  |  | Reviewer Comment (2024-09-13): Net Tangible Benefit summary provided in approval page 2. Exception cleared.<br>Buyer Comment (2024-09-12): Please refer to image D0001 pg 2 reflecting NTB Summary. | 09/13/2024 |  |  | 1 C A D |  | [redacted] | Investment | Refinance - Cash-out - Home Improvement | D B A |  | N/A | No |
|  | 570530921 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Net Tangible Benefit Form not provided. |  |  |  | Reviewer Comment (2024-09-13): Approval page 2 has summary of Net Tangible Benefit associated as Net Tangible Benefit Form. Exception cleared.<br>Buyer Comment (2024-09-12): Please refer to image D0001 page 2 reflecting NTB Summary. | 09/13/2024 |  |  | 1 C A D |  | [redacted] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
|  | 506280036 |  |  |  | [redacted] |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard insurance coverage amount is $[Redacted]; minimum required is $[Redacted] (replacement cost). |  |  |  | Reviewer Comment (2024-10-10): Exception cleared, policy reflected other structures to include with dwelling coverage.<br>Reviewer Comment (2024-10-09): Other Structures coverage is $[Redacted], will not be included in the Dwelling coverage $[Redacted]. However, require verification of policy with sufficient coverage OR copy of insurer's replacement cost estimate supporting current coverage amount. Exception Remians.<br>Buyer Comment (2024-10-07): As explained, the total "Dwelling Coverage" is the sum of the Dwelling and Other Structures coverage. Guidelines were pasted in the original response. Dwelling coverage is $[Redacted], Other Structures coverage is $[Redacted], total relevant coverage is $[Redacted], which exceeds both the replacement cost and the loan amount.<br>Reviewer Comment (2024-10-04): Hazard insurance policy doesn't cover dwelling cost of $[Redacted] whereas loan amount is $[Redacted]. Sufficient coverage is required. Exception remains.<br>Buyer Comment (2024-10-03): Other Structures coverage must be considered in the total coverage. Please see guidelines pasted below:<br> "Dwelling Coverage determined by totaling the following:<br> Dwelling Amount +<br> Dwelling Amount (other structures)\*<br> Extended Replacement Cost %<br> Example: $[Redacted] (Dwelling) + $[Redacted] (Other Structures) = $[Redacted] <br> [Redacted]% (Extended Replacement Cost) = $[Redacted] (Total Dwelling Coverage) " | 10/10/2024 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 506280036 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Only initial Business Purpose Certificate is in file; final, signed, notarized Business Purpose Certificate is not present in file. |  |  |  | Reviewer Comment (2024-10-04): Received Business Purpose Certificate document. Verified and updated details. Exception Cleared.<br>Buyer Comment (2024-10-03): Attached. | 10/04/2024 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 527358622 |  |  |  | [redacted] |  | 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 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. |  |  |  | Reviewer Comment (2024-10-23): Corrected CDA provided, exception cleared.<br>Buyer Comment (2024-10-21): CDA uploaded.<br>Reviewer Comment (2024-10-04): The appraisal provided is a not an update of the prior appraisal in file and reflects a different value. Unable to load separate appraisal by same appraiser. Please provide CDA for the [Redacted] report with correct value.<br>Buyer Comment (2024-10-01): Initial appraisal reflecting effective date of [Redacted] uploaded. | 10/23/2024 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 514031275 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | The loan file does not contain documentation reflecting ownership percentage in the LLC that the property was vested in at time of origination ([Redacted]). |  |  |  | Reviewer Comment (2024-11-25): Letter of explanation for ownership is provided in [Redacted]. Exception cleared.<br>Buyer Comment (2024-11-13): Attorney letter stating borrower is sole member and no operating agreement uploaded.<br>Reviewer Comment (2024-10-28): Documents reflect borrower as a registered agent and manager but not as a member. Managers are designated by the owner (member). Borrower is not listed as member & manager on provided documents.<br>Buyer Comment (2024-10-23): Please note, documentation uploaded reflects borrower as the only registered agent and manager and is sufficient. Please escalate to [Redacted]/[Redacted] if you are unable to clear.<br>Reviewer Comment (2024-10-22): Provided document is Article of organization, required operating Agreement required to verify the ownership percentage. Exception remains.<br>Buyer Comment (2024-10-21): Business docs uploaded reflecting borrower as a registered agent and manager.<br>Reviewer Comment (2024-10-03): As per Title commitment point 16 - operating agreement is require. Exception remains.<br>Buyer Comment (2024-10-01): Warranty deed uploaded. | 11/25/2024 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 585447066 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property per the appraisal is marked rural which is ineligible per guidelines. | Borrower's Experience/Track Record<br>Miscellaneous<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Borrower's Experience/Track Record: Borrower is an experienced investor owning [Redacted] investment properties and primary residence. The borrower has: [Redacted] Years of Experience.<br>Prior homeownership experience (No FC or Short Sale).<br>Low default risk with equity, LTV [Redacted]% lower than matrix. | Originator<br>Originator<br>Originator,SitusAMC | Reviewer Comment (2025-03-05): CF Update.<br>Reviewer Comment (2024-10-04): Lender exception with compensating factors.<br>Buyer Comment (2024-10-01): UPE approved PTC by CCM with CFs and mitigating factors uploaded.<br>Reviewer Comment (2024-09-27): Please provide additional compensating factors for consideration of downgrading/waiving exception. |  |  | 10/04/2024 | 2 C B |  | [redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 501413393 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower does not meet seasoning requirements for a Loan Modification (Guidelines require [Redacted] months, Loan Mod dated [Redacted]) | Borrower has owned the subject property for at least [Redacted] years.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | DSCR on subject property > [Redacted]<br>Lender Exception with Compensating Factors provided. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-28): Lender Exception with Compensating Factors provided. |  |  | 01/28/2025 | 2 B |  | [redacted] | Investment | Refinance - Cash-out - Other | A B |  | N/A | No |
|  | 570733440 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to and Form 1004D/442 was not provided. |  |  |  | Reviewer Comment (2024-12-02): 442 - Certificate of Completion document provided. Exception cleared.<br>Buyer Comment (2024-11-26): 1004D uploaded.<br>Reviewer Comment (2024-11-25): Guidelines pg 49 state for all new construction properties an appraisal update and/or completion report (1004D) with complete interior and exterior photos reflecting completion is required.<br>Buyer Comment (2024-11-13): Please note, Certificate of Occupancy states nature of occupancy permitted and the components inspected under authority to date have been completed in conformance with the approved plans and the applicable codes. Please escalate to [Redacted]/[Redacted] if you are unable to clear.<br>Reviewer Comment (2024-10-28): 1004D/442 is required document with complete interior and exterior photos reflecting completion of the construction. Exception Remains.<br>Buyer Comment (2024-10-24): 1004D/442 is not required as subject is new construction and certificate of occupancy documents completion.<br>Reviewer Comment (2024-10-23): Appraisal was made subject to completion. 1004D/442 is required document with complete interior and exterior photos reflecting completion. Exception Remains.<br>Buyer Comment (2024-10-22): Certificate of Occupancy uploaded. | 12/02/2024 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 570733440 |  |  |  | [redacted] |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Valuation address does not match Note address. Desk Review City name [Redacted] and Note reflects City name as [Redacted]. |  |  |  | Reviewer Comment (2024-10-24): Corrected report provided, exception cleared.<br>Buyer Comment (2024-10-22): CDA with correct city name uploaded. | 10/24/2024 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 570733440 |  |  |  | [redacted] |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Calculated loan to value percentage of [Redacted]% exceeds Guideline loan to value percentage of [Redacted]% for a first-time investor with a DSCR of less than [Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Substantial cash reserves.<br>Excellent credit management with FICO [Redacted]+.<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-09-30): Lender exception with compensating factors. |  |  | 09/30/2024 | 2 B |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 570733440 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Calculated combined loan to value percentage of [Redacted]% exceeds Guideline combined loan to value percentage of [Redacted]% for a first-time investor with a DSCR of less than [Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Substantial cash reserves.<br>Excellent credit management with FICO [Redacted]+.<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-09-30): Lender exception with compensating factors. |  |  | 09/30/2024 | 2 B |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 570733440 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is living rent-free at a residence other than their spouse's residence and is a first time investor, which is not permitted per guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Substantial cash reserves.<br>Excellent credit management with FICO [Redacted]+.<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-09-30): Lender exception with compensating factors. |  |  | 09/30/2024 | 2 B |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 570733440 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | The subject property is located in a FEMA Disaster area. A post-disaster inspection verifying there was no damage to the subject property is required. |  |  |  | Reviewer Comment (2024-11-22): PDI document received and updated . Exception cleared<br>Buyer Comment (2024-11-15): Disaster reinspection uploaded. | 11/22/2024 |  |  | 1 A |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 501876652 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | Closing Protection Letter is missing in file. |  |  |  | Reviewer Comment (2024-10-09): Closing Protection Letter received and verified. Exception cleared<br>Buyer Comment (2024-10-08): CPL uploaded. | 10/09/2024 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 501876652 |  |  |  | [redacted] |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | The subject loan LTV is [Redacted]% when max is [Redacted]% for 1st time investor with DSCR <[Redacted]) | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Substantial cash reserves.<br>Excellent credit management with FICO [Redacted]+.<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-10-04): Lender exception with compensating factors. |  |  | 10/04/2024 | 2 B |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 501876652 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | The subject loan CLTV is [Redacted]% when max is [Redacted]% for 1st time investor with DSCR <[Redacted]) | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Substantial cash reserves.<br>Excellent credit management with FICO [Redacted]+.<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-10-04): Lender exception with compensating factors. |  |  | 10/04/2024 | 2 B |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 501876652 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The fraud report in file reflects a mortgage on Borrower's primary residence $[Redacted] that is not reflected on the credit report to verify mortgage payment history. |  |  |  | Reviewer Comment (2024-10-24): Debt reflected by non borrowing spouse, exception cleared.<br>Buyer Comment (2024-10-22): Please note, the section reviewer is referencing belongs to [Redacted], non-borrowing spouse.<br>Reviewer Comment (2024-10-21): The reo section of the fraud report reflects $[Redacted] by [Redacted] [Redacted].<br>Buyer Comment (2024-10-15): The note stating [Redacted] was entered to clear the flag by the uw in error. Per the borrower property current ownership & 3 year history reflects [Redacted].<br>Reviewer Comment (2024-10-09): Fraud reflects the $[Redacted] mortgage was taken out in [Redacted].<br>Buyer Comment (2024-10-08): Please see image D0022, page 222 reflecting [Redacted] Loan originated [Redacted] closed. | 10/24/2024 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 501876652 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [Redacted] | SitusAMC,Originator | Reviewer Comment (2024-11-12): Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Buyer Comment (2024-11-06): Disaster reinspection uploaded reflecting no damages. |  |  | 11/12/2024 | 2 B |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 581430035 |  |  |  | [redacted] |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount reflected on the Policy does not cover the loan amount. |  |  |  | Reviewer Comment (2024-10-11): Evidence of rebuilding cost is received. Exception cleared.<br>Buyer Comment (2024-10-09): Proof of estimated rebuilding cost uploaded. Coverage is sufficient. | 10/11/2024 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 581430035 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property is superior to the Borrower's primary residence which is ineligible per guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Substantial cash reserves.<br>Excellent credit management with FICO [Redacted]+.<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-10-04): Lender exception with compensating factors. |  |  | 10/04/2024 | 2 B |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 581430035 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Initial Business Purpose Affidavit is missing from the loan file. |  |  |  | Reviewer Comment (2024-10-17): Provided doc 184<br>Buyer Comment (2024-10-09): Initial business purpose disclosure uploaded. | 10/17/2024 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 506047216 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The subject property is located in a FEMA disaster area and no post disaster inspection report was provided. |  |  |  | Reviewer Comment (2024-11-11): Property inspection report provided free of damage, exception cleared.<br>Buyer Comment (2024-11-05): Disaster reinspection uploaded.<br>Reviewer Comment (2024-11-04): Declaration date is [Redacted], inspection is [Redacted]. Inspection needs to be dated after [Redacted].<br>Buyer Comment (2024-10-30): Disaster reinspection report uploaded. | 11/11/2024 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 506047216 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | Closing Protection Letter is missing. |  |  |  | Reviewer Comment (2024-10-11): Closing Protection Letter is received. Exception cleared.<br>Buyer Comment (2024-10-09): CPL uploaded. | 10/11/2024 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 506047216 |  |  |  | [redacted] |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Additional statement required for account [Redacted], [Redacted], and [Redacted]. |  |  |  | Reviewer Comment (2024-10-23): Provided revised 1003 application which does not have any assets listed. Updated Asset screen. Exception cleared.<br>Buyer Comment (2024-10-22): Please escalate to [Redacted]/[Redacted] as a revised 1003 removing assets not used for qualifying is not required to be executed.<br>Reviewer Comment (2024-10-17): Provided 1003 is not signed and dated by the borrower- [Redacted]. Required executed copy of 1003. Exception remains.<br>Buyer Comment (2024-10-15): Revised 1003 uploaded removing retirement accounts. Please note, updated 1003 is not required to be re-executed.<br>Reviewer Comment (2024-10-11): Retirement accounts are mentioned on final 1003, so require 2 months bank statements within 90 days from note date for retirement accounts #[Redacted], [Redacted], and [Redacted]. Exception remains.<br>Buyer Comment (2024-10-09): Please note, cash out proceeds are being used for reserves. Retirement account is not being used. | 10/23/2024 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 506047216 |  |  |  | [redacted] |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than [Redacted] days prior to Closing. | Financial Institution: [Redacted] // Account Type: Individual Retirement Account (IRA) / Account Number: [Redacted] | Provide more recent asset statements. Account statements in file are over [Redacted] days at time of Note. |  |  |  | Reviewer Comment (2024-10-23): Provided revised 1003 application which does not have any assets listed. Updated Asset screen. Exception cleared.<br>Buyer Comment (2024-10-22): Please escalate to [Redacted]/[Redacted] as a revised 1003 removing assets not used for qualifying is not required to be executed.<br>Reviewer Comment (2024-10-17): Provided 1003 is not signed and dated by the borrower- [Redacted]. Required executed copy of 1003. Exception remains.<br>Buyer Comment (2024-10-15): Revised 1003 uploaded removing retirement accounts. Please note, updated 1003 is not required to be re-executed.<br>Reviewer Comment (2024-10-11): Retirement accounts are mentioned on final 1003, so require 2 months bank statements within 90 days from note date for retirement account # [Redacted]. Exception remains.<br>Buyer Comment (2024-10-09): Please note, cash out proceeds are being used for reserves. Retirement account is not being used. | 10/23/2024 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 506047216 |  |  |  | [redacted] |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than [Redacted] days prior to Closing. |  | Provide more recent asset statements. Account statements in file are over [Redacted] days at time of Note. |  |  |  | Reviewer Comment (2024-10-23): Provided revised 1003 application which does not have any assets listed. Updated Asset screen. Exception cleared.<br>Buyer Comment (2024-10-22): Please escalate to [Redacted]/[Redacted] as a revised 1003 removing assets not used for qualifying is not required to be executed.<br>Reviewer Comment (2024-10-17): Provided 1003 is not signed and dated by the borrower- [Redacted]. Required executed copy of 1003. Exception remains.<br>Buyer Comment (2024-10-15): Revised 1003 uploaded removing retirement accounts. Please note, updated 1003 is not required to be re-executed.<br>Reviewer Comment (2024-10-11): Retirement accounts are mentioned on final 1003, so require 2 months bank statements within 90 days from note date for retirement account # [Redacted]. Exception remains.<br>Buyer Comment (2024-10-09): Please note, cash out proceeds are being used for reserves. Retirement account is not being used. | 10/23/2024 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 506047216 |  |  |  | [redacted] |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than [Redacted] days prior to Closing. |  | Provide more recent asset statements. Account statements in file are over [Redacted] days at time of Note. |  |  |  | Reviewer Comment (2024-10-23): Provided revised 1003 application which does not have any assets listed. Updated Asset screen. Exception cleared.<br>Buyer Comment (2024-10-22): Please escalate to [Redacted]/[Redacted] as a revised 1003 removing assets not used for qualifying is not required to be executed.<br>Reviewer Comment (2024-10-17): Provided 1003 is not signed and dated by the borrower- [Redacted]. Required executed copy of 1003. Exception remains.<br>Buyer Comment (2024-10-15): Revised 1003 uploaded removing retirement accounts. Please note, updated 1003 is not required to be re-executed.<br>Reviewer Comment (2024-10-11): Retirement accounts are mentioned on final 1003, so require 2 months bank statements within 90 days from note date for stocks # [Redacted]. Exception remains.<br>Buyer Comment (2024-10-09): Please note, cash out proceeds are being used for reserves. Retirement account is not being used. | 10/23/2024 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 576425157 |  |  |  | [redacted] |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Subject loan LTV is [Redacted]% and max LTV for [Redacted] units is [Redacted]%. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous<br>Miscellaneous | Excellent credit management with FICO [Redacted]+.<br>Prior homeownership experience (No FC or Short Sale).<br>Reserves of [Redacted]> [Redacted]required. | Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-01-30): CF Update.<br>Reviewer Comment (2024-10-04): Lender exception with compensating factors. |  |  | 10/04/2024 | 2 B |  | [redacted] | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 576425157 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Subject loan LTV is [Redacted]% and max LTV for [Redacted] units is [Redacted]%. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous<br>Miscellaneous | Excellent credit management with FICO [Redacted]+.<br>Prior homeownership experience (No FC or Short Sale).<br>Reserves of [Redacted]> [Redacted]required. | Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-01-30): CF Update.<br>Reviewer Comment (2024-10-04): Lender exception with compensating factors. |  |  | 10/04/2024 | 2 B |  | [redacted] | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 582177576 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested an exception for [Redacted]% LTV exception approved in house not a first-time investor. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Excellent credit management with FICO +.<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>Originator | Reviewer Comment (2024-11-01): Lender exception with compensating factors.<br>Buyer Comment (2024-10-28): Please see Credit report page 06 of 13 showing a Mortgage acct for [Redacted] months over [Redacted] yrs. the Comp Factor or Prior Homeowner Experience is valid. Please see attached Credit Report and loan approval. |  |  | 11/01/2024 | 2 C B |  | [redacted] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 582177576 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | For refinance transactions, an executed lease with no less than [Redacted] months remaining at time of close is required for all units in the subject property contributing to the DSCR calculation. Provide completed lease for both units. The Term is not filled out for either lease, unable to determine if 3 months remain. |  |  |  | Reviewer Comment (2024-11-01): LOE provided, exception cleared.<br>Buyer Comment (2024-10-28): It is the same building, please LOE attached in regards this discrepancy<br>Reviewer Comment (2024-10-24): The second lease reflects an address that is not the subject property: premise address of [Redacted].<br>Buyer Comment (2024-10-21): Please see the Lease agreement for the two units attached. the one dated on [Redacted] is the extension of the lease agreement<br>Reviewer Comment (2024-10-21): The loan file does not contain a lease for both units.<br>Buyer Comment (2024-10-15): Per the appraisal report lease is month to month. Please see the attached screenshot | 11/01/2024 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 565398329 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | Disaster Name: [Redacted]<br> Disaster Declaration Date: [Redacted] |  |  |  | Reviewer Comment (2024-11-20): Exception Cleared - Post Disaster Inspection report/BPO received and updated in [Redacted].<br>Buyer Comment (2024-11-13): Disaster reinspection uploaded. Declared end date [Redacted]. | 11/20/2024 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 503086745 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Provided Operating agreement is not by guarantor. Please provide signed operating Agreement. |  |  |  | Reviewer Comment (2024-11-06): Received Operating Agreement. Exception Cleared.<br>Buyer Comment (2024-11-05): Please see attached see Operating Agreement attached signed by bwrs. | 11/06/2024 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 526636410 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The Final and Initial Business Purpose affidavits are missing from the loan file. |  |  |  | Reviewer Comment (2024-11-13): Business Purpose Certificate provided. Exception cleared.<br>Buyer Comment (2024-11-12): initial and final business purpose uploaded | 11/13/2024 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 505962011 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | The Closing Protection Letter is missing from the file. |  |  |  | Reviewer Comment (2024-11-25): Closing Protection Letter is not required for NY state. Exception cleared.<br>Buyer Comment (2024-11-21): CPL uploaded. | 11/25/2024 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 505962011 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for the Borrower living rent free as guidelines require a verification of primary housing for a First Time Investor. The compensating Factors are the FICO score higher than [Redacted] and low default risk with equity as the LTV is [Redacted]% lower than allowed on matrix. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-11-18): Lender Exception with Compensating Factors. |  |  | 11/18/2024 | 2 B |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 505962011 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The final signed and notarized Business Purpose Certificate is missing from the loan file. |  |  |  | Reviewer Comment (2024-11-25): Business Purpose Certificate received. Exception Cleared.<br>Buyer Comment (2024-11-21): Business purpose disclosure uploaded. | 11/25/2024 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 593057774 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property is marked rural which is ineligible per guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted] %.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Low default risk with equity, LTV [Redacted]% lower than matrix<br>Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-11-22): Lender exception with compensating factors. |  |  | 11/22/2024 | 2 B |  | [redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 593057774 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property is on [Redacted] acres when the guideline maximum is [Redacted] acres. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted] %.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Low default risk with equity, LTV [Redacted]% lower than matrix<br>Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-11-22): Lender exception with compensating factors. |  |  | 11/22/2024 | 2 B |  | [redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 593057774 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  |  |  |  | Reviewer Comment (2024-12-10): Closing provided letter is not required for [Redacted] state. Exception cleared.<br>Buyer Comment (2024-12-05): Please see Closing Protection Letter attached.<br>Reviewer Comment (2024-11-29): Provided is title final. Closing Protection letter still missing. Exception Remains<br>Buyer Comment (2024-11-26): Please see Closing Protection letter and final title policy insurance attached. The Closing Protection letter were included on the original binder please see page # 373 | 12/10/2024 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 543849032 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower living rent free other than at their spouse's residence and are a first time investor which is ineligible per guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Excellent credit management with FICO [Redacted]+. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-11-22): Lender exception with compensating factors. |  |  | 11/22/2024 | 2 B |  | [redacted] | Investment | Purchase | B A |  | N/A | No |
|  | 541767485 |  |  |  | [redacted] |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | The bank statements for account ending [Redacted] do not cover two months as required by guidelines. |  |  |  | Reviewer Comment (2025-01-08): Received [Redacted] month bank statement and covered the recent two months seasoned period. Verified and updated details. Exception Cleared.<br>Buyer Comment (2025-01-06): Please see attached bank statement for acct acct # [Redacted] with an ending balance of $[Redacted]<br>Reviewer Comment (2024-11-29): As per the latest bank statement for account # [Redacted] the available balance is $[Redacted]. If we are not considering account #[Redacted] then borrower is short for reserves. Require recent 2 months bank statement for account ending #[Redacted]. Exception Remains.<br>Buyer Comment (2024-11-26): Could you please review one more time this exception? The [Redacted] bank account was opened on [Redacted], [Redacted], and per 1008, 1003 was never considered as cash reserve. see attached documents | 01/08/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 541767485 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Require additional assets to fulfill reserves requirements. |  |  |  | Reviewer Comment (2025-01-27): Additional bank statement received. Assets are sufficient. Exception cleared.<br>Buyer Comment (2025-01-23): Please see banks statement from [Redacted] acct # [Redacted] & [Redacted] attached. [Redacted] balance for acct # [Redacted] $[Redacted]/,[Redacted] and for acct # [Redacted] $[Redacted] then for the acct # [Redacted] with [Redacted] $[Redacted]. cash in hand are enough to cover cash to close and reserves.<br>Reviewer Comment (2025-01-14): The 1003 in file only reflects [Redacted] accounts, not [Redacted]/. Only using accounts matching 1003. Transfer evidence provided, however need account statement for #[Redacted] showing balance and funds deposited as of [Redacted]. File only contains statement through [Redacted].<br>Buyer Comment (2025-01-09): Could you please kindly review one more time this exception or either escalate this discrepancy to you team lead or spv? If you review the ending balance from the [Redacted] acct you would see that the borrower is moving funds from this acct to [Redacted] savings acct # [Redacted]. the transaction is dated [Redacted] for $[Redacted] our borrower has enough cash reserves per guidelines. see attached screenshot. | 01/27/2025 |  |  | 1 A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 541767485 |  |  |  | [redacted] |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Require additional assets to fulfill Cash from borrower requirements. |  |  |  | Reviewer Comment (2025-01-27): Additional bank statement received. Assets are sufficient. Exception cleared.<br>Buyer Comment (2025-01-23): Please see banks statement from [Redacted] acct # [Redacted] & [Redacted] attached. [Redacted] balance for acct # [Redacted] $[Redacted]/,[Redacted] and for acct # [Redacted] $[Redacted] then for the acct # [Redacted] with [Redacted] $[Redacted]. cash in hand are enough to cover cash to close and reserves.<br>Reviewer Comment (2025-01-14): The 1003 in file only reflects [Redacted] accounts, not [Redacted]/. Only using accounts matching 1003. Transfer evidence provided, however need account statement for #[Redacted] showing balance and funds deposited as of [Redacted]. File only contains statement through [Redacted].<br>Buyer Comment (2025-01-09): Could you please kindly review one more time this exception or either escalate this discrepancy to you team lead or spv? If you review the ending balance from the [Redacted] acct you would see that the borrower is moving funds from this acct to [Redacted] savings acct # [Redacted]. the transaction is dated [Redacted] for $[Redacted] our borrower has enough cash reserves per guidelines. see attached screenshot | 01/27/2025 |  |  | 1 A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 546182523 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Lender Exception allowing loan amount less than guideline minimum of $[Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | DSCR on subject property > [Redacted]<br>Prior homeownership Experience (No FC or SS) | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-12-04): Lender Exception with Compensating Factors. |  |  | 12/04/2024 | 2 B |  | [redacted] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 562812178 |  |  |  | [redacted] |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender LTV exception to [Redacted]%. | Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Excellent credit management with FICO [Redacted]+.<br>Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-12-04): Lender exception with compensating factors. |  |  | 12/04/2024 | 2 B |  | [redacted] | Investment | Purchase | B A |  | N/A | No |
|  | 562812178 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Lender LTV exception to [Redacted]%. | Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Excellent credit management with FICO [Redacted]+.<br>Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-12-04): Lender exception with compensating factors. |  |  | 12/04/2024 | 2 B |  | [redacted] | Investment | Purchase | B A |  | N/A | No |
|  | 544586957 |  |  |  | [redacted] |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | The appraisal reflects the subject property is tenant occupied, lease agreement not provided in file. |  |  |  | Reviewer Comment (2024-12-24): Received Lease Agreement. Exception Cleared.<br>Buyer Comment (2024-12-20): Lease agreement uploaded. | 12/24/2024 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 512679554 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | Most Recent Valuation Inspection Date: [Redacted] <br> Disaster End Date: [Redacted]<br> Disaster Name: [Redacted]<br> Disaster Declaration Date: [Redacted] | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [Redacted] | SitusAMC,Originator | Reviewer Comment (2024-12-11): Property inspected post disaster but pre-FEMA declaration of disaster end date. |  |  | 12/11/2024 | 2 B |  | [redacted] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
|  | 512679554 |  |  |  | [redacted] |  | Credit | Investment Product | General Exception | Investment Product | Security Instrument Error: Assignment of Leases/Rents is not in the file and required by guidelines |  | Assignment of Leases/Rents is missing in file. |  |  |  | Reviewer Comment (2024-12-17): 1-4 Family rider is available in file. Verified and updated details. Exception Cleared.<br>Buyer Comment (2024-12-13): This is already in the binder in [Redacted], see page 380, item D. | 12/17/2024 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
|  | 512679554 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Assignment of Leases/Rents not provided |  | Assignment of Leases/Rents is missing in file. |  |  |  | Reviewer Comment (2024-12-17): 1-4 Family rider is available in file. Verified and updated details. Exception Cleared.<br>Buyer Comment (2024-12-13): This is already in the binder in [Redacted], see page 380, item D.<br>Buyer Comment (2024-12-13): Attached (item D). | 12/17/2024 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
|  | 512679554 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Security Instrument - Subject Lien is missing in file. |  |  |  | Reviewer Comment (2024-12-17): Received Security Instrument - Subject Lien document. Verified and updated details. Exception Cleared.<br>Buyer Comment (2024-12-13): Attached. | 12/17/2024 |  |  | 1 D A |  | [redacted] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
|  | 562227584 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Initial, unsigned Business Purpose Certificate is missing from file, as required per guidelines. |  |  |  | Reviewer Comment (2024-12-29): Attached to disclosure tracking summary.<br>Buyer Comment (2024-12-17): Please escalate to [Redacted]/[Redacted]. The disclosure tracking summary is acceptable to reflect disclosure delivered to the borrower.<br>Reviewer Comment (2024-12-16): Page 12 is reflecting business purpose occupancy affidavit (informational) sent however, missing in the file. Require the Initial, unsigned Business Purpose occupancy affidavit. Exception remains.<br>Buyer Comment (2024-12-13): Please see image D0270, page 12 reflecting disclosure included with disclosures sent on [Redacted]. | 12/29/2024 |  |  | 1 C A D |  | [redacted] | Investment | Purchase | D B A |  | N/A | No |
|  | 562227584 |  |  |  | [redacted] |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | CLTV is [Redacted]% when [Redacted]% maximum with FICO of [Redacted] and DSCR <[Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Substantial cash reserves. | Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2024-12-10): Lender exception with compensating factors. |  |  | 12/10/2024 | 2 B |  | [redacted] | Investment | Purchase | D B A |  | N/A | No |
|  | 562227584 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | LTV is [Redacted]% when [Redacted]% maximum with FICO of [Redacted] and DSCR <[Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Substantial cash reserves. | Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2024-12-10): Lender exception with compensating factors. |  |  | 12/10/2024 | 2 B |  | [redacted] | Investment | Purchase | D B A |  | N/A | No |
|  | 590537609 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | There should be two copies of the Business Purpose Affidavit within the loan file. The Initial Business Purpose Affidavit is missing from the loan file. |  |  |  | Reviewer Comment (2024-12-23): Initial and Final Business Purpose received and associated .Exception cleared<br>Buyer Comment (2024-12-17): Please see Initial and Final Business Purpose | 12/23/2024 |  |  | 1 C A D |  | [redacted] | Investment | Purchase | D A |  | N/A | No |
|  | 582567071 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan file does not document the borrower's rental payments as the landlord is an individual and cancelled checks are not in the loan file as required by guidelines. | Borrower has owned the subject property for at least [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | DSCR on subject is >[Redacted].<br>Low default risk with substantial equity, LTV [Redacted]% lower than matrix. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-03-10): CF Update.<br>Reviewer Comment (2024-12-18): Lender exception with compensating factors. |  |  | 12/18/2024 | 2 B |  | [redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 582567071 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Mortgage lates reflected [Redacted] and max per guidelines is [Redacted]. | Borrower has owned the subject property for at least [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | DSCR on subject is >[Redacted].<br>Low default risk with substantial equity, LTV [Redacted]% lower than matrix. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-03-10): CF Update.<br>Reviewer Comment (2024-12-18): Lender exception with compensating factors. |  |  | 12/18/2024 | 2 B |  | [redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 582567071 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan file is missing the initial business purpose and occupancy certification. |  |  |  | Reviewer Comment (2025-01-09): Disclosure provided. Cleared.<br>Buyer Comment (2024-12-20): Initial disclosure uploaded. | 01/09/2025 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 525594769 |  |  |  | [redacted] |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | A First Time Investor with a Credit Score less than [Redacted], has a Maximum LTV of [Redacted]%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Substantial cash reserves.<br>Borrowers own funds used for down payment & closing (No gifts or DPA).<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-01-21): Lender exception with compensating factors.<br>Buyer Comment (2025-01-07): Post Consummation Exception Approval uploaded. |  |  | 01/21/2025 | 2 C B |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 525594769 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | A First Time Investor with a Credit Score less than [Redacted], has a Maximum CLTV of [Redacted]%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Substantial cash reserves.<br>Borrowers own funds used for down payment & closing (No gifts or DPA).<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-01-21): Lender exception with compensating factors.<br>Buyer Comment (2025-01-07): Post Consummation Exception Approval uploaded. |  |  | 01/21/2025 | 2 C B |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 525594769 |  |  |  | [redacted] |  | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | A First Time Investor with a Credit Score less than [Redacted], has a Maximum LTV of [Redacted]%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Substantial cash reserves.<br>Borrowers own funds used for down payment & closing (No gifts or DPA).<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-01-21): Lender exception with compensating factors.<br>Buyer Comment (2025-01-07): Post Consummation Exception Approval uploaded. |  |  | 01/21/2025 | 2 C B |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 502785164 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2024-12-24): Received UCDP report reflects CU score as 1 which is less than [Redacted]. Secondary appraisal is not required. Exception Cleared.<br>Buyer Comment (2024-12-20): Appraisal Review CU uploaded. | 12/24/2024 |  |  | 1 D A |  | [redacted] | Investment | Purchase | D A C |  | N/A | No |
|  | 502785164 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  |  |  | Reviewer Comment (2024-12-24): Received Note Addendum - Prepayment document. Verified and updated details. Exception Cleared.<br>Buyer Comment (2024-12-20): PP addendum uploaded. | 12/24/2024 |  |  | 1 C A |  | [redacted] | Investment | Purchase | D A C |  | N/A | Yes |
|  | 569169905 |  |  |  | [redacted] |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | Rent loss insurance reflected on the Hazard Insurance Binder for the subject property is missing in file. |  |  |  | Reviewer Comment (2025-01-27): Documents received, system cleared.<br>Buyer Comment (2025-01-22): Hazard insurance policy including rent loss uploaded. | 01/27/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 569169905 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Borrower's own funds percent discrepancy. |  | This is due to the missing evidence the Earnest Money deposit was sourced and seasoned. |  |  |  | Reviewer Comment (2025-02-18): Documents received, system cleared.<br>Buyer Comment (2025-02-04): EMD guidelines uploaded and documentation provided is sufficient.<br>Reviewer Comment (2025-01-27): Missing source of funds. We have proof EMD received but do not have where funds came from.<br>Buyer Comment (2025-01-22): Please see image D0170 reflecting EMD received by title. | 02/18/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 591735296 |  |  |  | [redacted] |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Valuation report date was not provided. |  | Appraisal report date is [Redacted] which is after the Note date of [Redacted]. |  |  |  | Reviewer Comment (2025-01-28): Initial appraisal provided with report date prior to the note date. Exception cleared.<br>Buyer Comment (2025-01-24): Initial appraisal uploaded.<br>Reviewer Comment (2025-01-23): Note date is [Redacted] and the appraisal report date is [Redacted] ([Redacted] months after Note date). Only one appraisal in file.<br>Buyer Comment (2025-01-13): Please note, revised appraisal is for address correction and does not affect the value. | 01/28/2025 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Cash-out - Debt Consolidation | C A |  | N/A | No |
|  | 591637127 |  |  |  | [redacted] |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender approved exception for the LTV/CLTV to [Redacted]% with a Credit Score of [Redacted]. The maximum LTV/CLTV with a Credit Score of [Redacted] is [Redacted]%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted]. | DSCR on subject property >[Redacted]. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-09): Lender exception with compensating factors. |  |  | 01/09/2025 | 2 B |  | [redacted] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 591637127 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Lender approved exception for the LTV/CLTV to [Redacted]% with a Credit Score of [Redacted]. The maximum LTV/CLTV with a Credit Score of [Redacted] is [Redacted]%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted]. | DSCR on subject property >[Redacted]. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-09): Lender exception with compensating factors. |  |  | 01/09/2025 | 2 B |  | [redacted] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 552829434 |  |  |  | [redacted] |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender approved exception for a [Redacted] Unit purchase at [Redacted]% LTV/CLTV. The Guidelines have a maximum LTV/CLTV for [Redacted] Units at [Redacted]%. | Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Excellent credit management with FICO [Redacted]+. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-09): Lender exception with compensating factors. |  |  | 01/09/2025 | 2 B |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 552829434 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Lender approved exception for a [Redacted] Unit purchase at [Redacted]% LTV/CLTV. The Guidelines have a maximum LTV/CLTV for [Redacted] Units at [Redacted]%. | Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Excellent credit management with FICO [Redacted]+. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-09): Lender exception with compensating factors. |  |  | 01/09/2025 | 2 B |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 552829434 |  |  |  | [redacted] |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | The Rent Loss Insurance covering 6 months gross monthly rent is missing from the Insurance Binder. |  |  |  | Reviewer Comment (2025-01-27): Documents received, system cleared.<br>Buyer Comment (2025-01-21): Please see attached HOI Policy showing a rental coverage as ACTUAL LOSS SUSTAINED which is amount of damage or loss resulting from an accident. This includes repairs, replacement related to the accident. | 01/27/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 522206048 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | [redacted]interspousal deed required but missing from file. |  |  |  | Reviewer Comment (2025-01-23): Deed provided Exception cleared<br>Buyer Comment (2025-01-21): Warranty deed uploaded. | 01/23/2025 |  |  | 1 C A D |  | [redacted] | Investment | Purchase | D A |  | N/A | No |
|  | 528163126 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | The Guidelines state the Closing Protection Letter must be dated within [Redacted] days from the Note date. The CPL is missing from the loan file. |  |  |  | Reviewer Comment (2025-01-27): Exception cleared.<br>Buyer Comment (2025-01-21): Please note, CPLs are not provided in the state of [Redacted]. | 01/27/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 528163126 |  |  |  | [redacted] |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  |  |  |  |  | Reviewer Comment (2025-02-04): Fraud report provided with cleared alerts.<br>Buyer Comment (2025-01-29): Fraud guard uploaded.<br>Reviewer Comment (2025-01-27): Report in file does not reflect the high alerts were cleared.<br>Buyer Comment (2025-01-21): Please see image D0158, FG report uploaded with initial file addresses all red flags. | 02/04/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 594730582 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  |  |  |  |  | Reviewer Comment (2025-01-28): Received Patriot Act information form and Dataverify document. Verified and updated details. Exception Cleared.<br>Buyer Comment (2025-01-26): Please see Patriot Act information form and Dataverify attached. | 01/28/2025 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 594730582 |  |  |  | [redacted] |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Property is [Redacted] units, guidelines require a maximum LTV of [Redacted]% for [Redacted] units property. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS) | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-01-22): Lender Exception with Compensating Factors. |  |  | 01/22/2025 | 2 B |  | [redacted] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 594730582 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Property is [Redacted] units, guidelines require a maximum CLTV of [Redacted]% for [Redacted] units property. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS) | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-01-22): Lender Exception with Compensating Factors. |  |  | 01/22/2025 | 2 B |  | [redacted] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 549214039 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for Borrower living rent free (Guidelines require verification of primary housing for all 1st time investors). Compensating Factors: Excellent Credit Management with FICO [Redacted]+ and Conservative use of credit or minimal use of revolving credit. | Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Conservative use of credit or minimal use of revolving credit. | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-01-28): Lender Exception with Compensating Factors. |  |  | 01/28/2025 | 2 B |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 549214039 |  |  |  | [redacted] |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Valuation city of [Redacted] does not match Note city of [Redacted]. |  |  |  | Reviewer Comment (2025-03-04): Exception Cleared - Received corrected subject property address on Note associated the same and data updated as per provided documents.<br>Buyer Comment (2025-02-26): Re-executed note and security instrument with LOI to re-record uploaded. | 03/04/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 549214039 |  |  |  | [redacted] |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Certificate Subject City of [Redacted] does not match Note city of [Redacted]. |  |  |  | Reviewer Comment (2025-03-04): Exception Cleared - Received corrected Flood Certificate associated the same and data updated as per provided documents.<br>Buyer Comment (2025-02-26): Flood cert reflecting correct address uploaded. | 03/04/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 549214039 |  |  |  | [redacted] |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Insurance city of [Redacted] does not match Note city of [Redacted]. |  |  |  | Reviewer Comment (2025-03-04): Exception Cleared - Received confirmation from insurance broker that subject property address in updated on insurance policy.<br>Buyer Comment (2025-03-03): Evidence hazard policy city has been updated. | 03/04/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 532246673 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines allow a max of [Redacted] financed properties for a borrower and Borrower has [Redacted] which exceeds guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Low default risk with substantial equity, LTV [Redacted]% lower than matrix.<br>Low default risk with substantial equity, LTV [Redacted]% lower than matrix.<br>Prior homeownership experience (No FC of Short Sale) | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-01-30): Lender exception with compensating factors. |  |  | 01/30/2025 | 2 B |  | [redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 532246673 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan file does not document the borrower's ownership percentage in the entity that the property was vested in at origination. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous<br>Borrower's Experience/Track Record | Low default risk with substantial equity, LTV [Redacted]% lower than matrix.<br>Low default risk with substantial equity, LTV [Redacted]% lower than matrix.<br>Prior homeownership experience (No FC of Short Sale)<br>Documented Investor/Landlord history > [Redacted] years | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-02-21): Lender Exception with Compensating Factors provided.<br>Reviewer Comment (2025-02-20): Lender exception does not address the fact that the property was held in title in a manner not acceptable to Guidelines.<br>Buyer Comment (2025-02-20): Post-closing uw exception for percentage of ownership in business entity at time of origination uploaded<br>Reviewer Comment (2025-02-18): Guidelines allow for properties to held in Trusts and LLCs. Guidelines do not allow for seasoning to be through a Corp/Company. Unable to clear.<br>Buyer Comment (2025-02-14): Stock certificate supporting borrower's ownership interest in business uploaded |  |  | 02/21/2025 | 2 C B |  | [redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 591788079 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines allow for a maximum of [Redacted] financed properties. Borrower has [Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Low default risk with substantial equity, LTV [Redacted]% lower than matrix.<br>Prior homeownership experience (No FC or Short Sale) | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-01-31): Lender exception with compensating factors. |  |  | 01/31/2025 | 2 B |  | [redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 591788079 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines allow for a maximum of [Redacted] acres. Subject property is [Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Low default risk with substantial equity, LTV [Redacted]% lower than matrix.<br>Prior homeownership experience (No FC or Short Sale) | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-01-31): Lender exception with compensating factors. |  |  | 01/31/2025 | 2 B |  | [redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 591788079 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | The loan file does not document the Borrower's ownership in the business that property was vested in at origination. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous<br>Borrower's Experience/Track Record | Low default risk with substantial equity, LTV [Redacted]% lower than matrix.<br>Prior homeownership experience (No FC or Short Sale)<br>Documented Investor/Landlord history > [Redacted] years | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-02-21): Lender Exception with Compensating Factors provided.<br>Reviewer Comment (2025-02-20): Lender exception does not address the fact that the property was held in title in a manner not acceptable to Guidelines.<br>Buyer Comment (2025-02-20): Post-closing uw exception for percentage of ownership in business entity at time of origination uploaded<br>Reviewer Comment (2025-02-18): Guidelines allow for properties to held in Trusts and LLCs. Guidelines do not allow for seasoning to be through a Corp/Company. Unable to clear.<br>Buyer Comment (2025-02-14): Stock certificate supporting borrower's ownership interest in business uploaded |  |  | 02/21/2025 | 2 C B |  | [redacted] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 575891023 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Initial Business Purpose Certificate missing from file. |  |  |  | Reviewer Comment (2025-02-12): Received Initial Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-02-10): Initial business purpose disclosure uploaded | 02/12/2025 |  |  | 1 C A D |  | [redacted] | Investment | Purchase | D A |  | N/A | No |
|  | 575891023 |  |  |  | [redacted] |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | There are red flags on the Fraud Report that have not been cleared. |  |  |  | Reviewer Comment (2025-02-18): Fraud report with cleared alerts provided, exception cleared.<br>Buyer Comment (2025-02-07): clear fraud report<br>Buyer Comment (2025-02-07): Clear fraud report uploaded | 02/18/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | D A |  | N/A | No |
|  | 575891023 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | The Borrower is short the required [Redacted] months reserves. |  |  |  | Reviewer Comment (2025-03-12): Paid appraisal and hazard policy invoices provided<br>Buyer Comment (2025-03-07): appraisal invoice<br>Buyer Comment (2025-03-07): appraisal paid invoice was submitted [Redacted] with insurance invoice<br>Reviewer Comment (2025-03-05): Received hazard premium paid invoice but still missing $[Redacted] borrower paid appraisal invoice to verify sufficient reserves. CDA invoice in file but not sufficient to cover reserve requirement.<br>Buyer Comment (2025-03-03): total assets verified $[Redacted] - Cash to close $[Redacted] = $[Redacted]. pitia $[Redacted][Redacted]=$[Redacted]. (POC $[Redacted] and $[Redacted] invoices documented; $[Redacted] emd cleared [Redacted] acct [Redacted], $[Redacted] gift funds deposited to closing attorney)<br>Reviewer Comment (2025-02-20): Cash to close + POCs + EMD + gift funds=$[Redacted]. Total verified funds = $[Redacted] = months reserves [Redacted], required 3 months. Exception remains.<br>Buyer Comment (2025-02-19): Paid appraisal invoice uploaded<br>Buyer Comment (2025-02-19): Paid invoice for insurance policy uploaded<br>Reviewer Comment (2025-02-18): EMD included in borrower's funds. Cash to close + POCs + EMD + gift funds=$[Redacted]. Total verified funds = $[Redacted] = months reserves [Redacted], required [Redacted] months.<br>Buyer Comment (2025-02-07): EMD funds cleared [Redacted] acct #[Redacted], please include this asset in reserve calculation | 03/12/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | D A |  | N/A | No |
|  | 563701800 |  |  |  | [redacted] |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Borrower does not meet maximum LTV for a First-time Investor with FICO between [Redacted] and [Redacted]. Lender exception in file but missing comp factors to downgrade and waive exception. | Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>Miscellaneous | Prior homeownership Experience (No FC or SS) | SitusAMC<br>Originator | Reviewer Comment (2025-02-18): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-02-05): ccm approved exception uploaded |  |  | 02/18/2025 | 2 C B |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 563701800 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Borrower does not meet maximum CLTV for a First-time Investor with FICO between [Redacted] and [Redacted]. Lender exception in file but missing comp factors to downgrade and waive exception. | Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>Miscellaneous | Prior homeownership Experience (No FC or SS) | SitusAMC<br>Originator | Reviewer Comment (2025-02-18): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-02-05): ccm approved exception uploaded |  |  | 02/18/2025 | 2 C B |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 529924980 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for Borrower living rent fee (Guidelines require verification of primary housing for 1st time investors). Compensating factors of DSCR on subject property >[Redacted] and LTV [Redacted]% below guideline LTV. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | DSCR on subject property > [Redacted]<br>Lender Exception with Compensating Factors. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2024-07-01): Lender Exception with Compensating Factors. |  |  | 07/01/2024 | 2 B |  | [redacted] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
|  | 529924980 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Evidence of Transfer Deed from [Redacted] was not provided. |  |  |  | Reviewer Comment (2024-07-10): Deeds / Warranty / Grant / Quit-Claim received on file. Exception Cleared.<br>Buyer Comment (2024-07-09): transfer deed uploaded | 07/10/2024 |  |  | 1 D A |  | [redacted] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
|  | 503337822 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  | Spousal Consent form is required per guidelines and missing from file. |  |  |  | Reviewer Comment (2024-08-14): Spouse has signed Deed of the current transaction. Exception cleared.<br>Buyer Comment (2024-08-12): See DOC 0223 As spouse [Redacted] grant deeded off the transaction therefore spousal consent is not needed | 08/14/2024 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 503337822 |  |  |  | [redacted] |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  | Spousal Consent form is required per guidelines and missing from file. |  |  |  | Reviewer Comment (2024-08-14): Spouse has signed Deed of the current transaction. Exception cleared.<br>Buyer Comment (2024-08-12): See Doc 0223 Warranty Deed | 08/14/2024 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 503337822 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [Redacted] declared end date. |  |  |  | Reviewer Comment (2024-08-21): Provided Post disaster inspection report dated [Redacted] which states property is not damaged. Insurance screen updated. Exception cleared.<br>Buyer Comment (2024-08-20): Please see Re-Inspection Report attached. | 08/21/2024 |  |  | 1 A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 557206860 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower did not meet Modification seasoning requirements. | Borrower has owned the subject property for at least [Redacted] years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | DSCR on subject property > [Redacted]<br>Low default risk with equity, LTV [Redacted]% lower than matrix | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-14): Lender Exception with Compensating Factors provided. |  |  | 01/14/2025 | 2 B |  | [redacted] | Investment | Refinance - Cash-out - Debt Consolidation | A B |  | N/A | No |
|  | 566506820 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Payoff of mortgage past the maturity date (guidelines require all loans be current at time of closing, maturity date was [Redacted]) | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Excellent Credit Management with FICO [Redacted]+<br>Conservative use of credit or minimal use of revolving credit. | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-03-10): CF Update.<br>Reviewer Comment (2024-08-02): Lender Exception with Compensating Factors. |  |  | 08/02/2024 | 2 B |  | [redacted] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 566506820 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2025-03-14): Appraisal report date is after the disaster end date. Exception Cleared.<br>Buyer Comment (2025-03-13): Reinspection | 03/14/2025 |  |  | 1 A |  | [redacted] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 577001477 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Documentation for the PITIA on the borrowers' investment property required. |  |  |  | Reviewer Comment (2024-02-16): Mtg statement provided. Clear.<br>Buyer Comment (2024-02-12): Please see the Mortgage statement attached. Property taxes and hazard insurance are included on the monthly statement. | 02/16/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
|  | 577001477 |  |  |  | [redacted] |  | 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. | Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. |  |  |  | Reviewer Comment (2024-02-16): Appraisal proof delivery received and verified. - Exception Cleared.<br>Buyer Comment (2024-02-09): Please see the proof of appraisal being delivered to our bwr by [Redacted] on [Redacted] and by our company on [Redacted] | 02/16/2024 |  |  | 1 B A |  | [redacted] | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
|  | 577001477 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. |  |  |  | Reviewer Comment (2024-02-16): Appraisal proof delivery received and verified. - Exception Cleared.<br>Buyer Comment (2024-02-09): Please see the proof of appraisal being delivered to our bwr by [Redacted] on [Redacted] and by our company on [Redacted] | 02/16/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
|  | 577001477 |  |  |  | [redacted] |  | 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. | Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. |  |  |  | Reviewer Comment (2024-02-16): Appraisal proof delivery received and verified. - Exception Cleared.<br>Buyer Comment (2024-02-09): Please see the proof of appraisal being delivered to our bwr by [Redacted] on [Redacted] and by our company on [Redacted] | 02/16/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
|  | 577001477 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower for Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. No cure was provided. |  |  |  | Reviewer Comment (2024-02-02): [Redacted] received rate lock in lieu of COC.<br>Buyer Comment (2024-01-31): No cure is needed. Loan Discount points fees increased from the initial LE for the amount of $[Redacted] to $[Redacted] for to initial CD due to rate lock/lock update/relock. Please see attached rate lock screenshot, rate lock, proof of delivery, COC, and CD signed and dated by the borrower. | 02/02/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 577001477 |  |  |  | [redacted] |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower for Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. no cure was provided. |  |  |  | Reviewer Comment (2024-02-12): [Redacted] received Post CD,LOX and payment history.<br>Buyer Comment (2024-02-09): Please see PCCD and Pymt History attached reflecting a cure for $[Redacted] due to an increase in appraisal fee and $[Redacted] due to increased for credit report. Total cure of $[Redacted] |  | 02/12/2024 |  | 2 C B |  | [redacted] | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 577001477 |  |  |  | [redacted] |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower for Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. no cure was provided. |  |  |  | Reviewer Comment (2024-02-12): [Redacted] received Post CD,LOX and payment history.<br>Buyer Comment (2024-02-09): Please see PCCD and Pymt History attached reflecting a cure for $[Redacted] due to an increase in appraisal fee and $[Redacted] due to increased for credit report. Total cure of $[Redacted] |  | 02/12/2024 |  | 2 C B |  | [redacted] | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 559118544 |  |  |  | [redacted] |  | 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. | Provide evidence of delivery and receipt of the [Redacted] report, and provide a copy of the appraisal received by the borrower on [Redacted]. |  |  |  | Reviewer Comment (2024-04-24): Proof of appraisal receipt received, exception cleared. | 04/24/2024 |  |  | 1 B A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 559118544 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Provide evidence of delivery and receipt of the [Redacted] report, and provide a copy of the appraisal received by the borrower on [Redacted]. |  |  |  | Reviewer Comment (2024-04-24): Proof of appraisal receipt received, exception cleared. | 04/24/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 559118544 |  |  |  | [redacted] |  | 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. | Provide evidence of delivery and receipt of the [Redacted] report, and provide a copy of the appraisal received by the borrower on [Redacted]. |  |  |  | Reviewer Comment (2024-04-24): Proof of appraisal receipt received, exception cleared.<br>Buyer Comment (2024-04-22): Attached are evidence of delivery of the [Redacted] update and the original appraisal report received by the borrower on [Redacted]. | 04/24/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 553542580 |  |  |  | [redacted] |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2024-07-15): Final Title Policy received, exception cleared. | 07/15/2024 |  |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
|  | 553542580 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The latest dates appraisal inspection date is [Redacted]. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection form indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2024-07-15): Property Disaster report received, exception cleared,<br>Buyer Comment (2024-07-12): Please see FEMA Disaster Inspection report attached. | 07/15/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
|  | 553542580 |  |  |  | [redacted] |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Note is missing page 4 of 5. |  |  |  | Reviewer Comment (2024-07-15): Complete Note document received, exception cleared<br>Buyer Comment (2024-07-12): Please see a complete Legal Note attached with all pages | 07/15/2024 |  |  | 1 D A |  | [redacted] | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
|  | 553542580 |  |  |  | [redacted] |  | Compliance | Compliance | State Compliance | Misc. State Level | ([redacted]50(a)(6)) [redacted] Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a[Redacted] and [Redacted] Endorsement due to missing information. | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information due to missing Final Title. |  |  |  | Reviewer Comment (2024-07-15): Final Title Policy received with endorsement proof. Exception cleared.<br>Buyer Comment (2024-07-12): Please see Final Title Policy attached | 07/15/2024 |  |  | 1 B A |  | [redacted] | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation D A C | Non QM | Non QM | No |
|  | 593052292 |  |  |  | [redacted] |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary Title Policy is within [redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided |  |  |  | Reviewer Comment (2024-08-01): Title policy amount updated from Final title policy. Exception cleared.<br>Buyer Comment (2024-07-31): Final title policy uploaded. | 08/01/2024 |  |  | 1 B A |  | [redacted] | Primary | Refinance - Rate/Term | D B A C | Non QM | Non QM | No |
|  | 593052292 |  |  |  | [redacted] |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2024-08-01): Final title policy not received and associated. Exception cleared. | 08/01/2024 |  |  | 1 A |  | [redacted] | Primary | Refinance - Rate/Term | D B A C | Non QM | Non QM | No |
|  | 593052292 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account statement of $[Redacted] does not match charges on Final Closing Disclosure of $[Redacted]. |  |  |  | Reviewer Comment (2024-07-29): Received updated initial escrow disclosure, Exception cleared.<br>Buyer Comment (2024-07-26): Initial escrow acct disclosure uploaded. | 07/29/2024 |  |  | 1 B A |  | [redacted] | Primary | Refinance - Rate/Term | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
|  | 593052292 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $[Redacted] on CD dated [Redacted] but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2024-08-01): [Redacted] received a valid COC.<br>Buyer Comment (2024-07-31): Disclosure tracking reflecting VCOCs uploaded. | 08/01/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 593052292 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Mortgage Broker Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2024-08-01): [Redacted] received a valid COC.<br>Buyer Comment (2024-07-31): Disclosure tracing details reflecting VCOC uploaded. | 08/01/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 593052292 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2024-08-01): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 08/01/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 593052292 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted]disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] 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 [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] 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 [Redacted]). |  |  |  | Reviewer Comment (2024-08-13): Corrected Note and SI provided. System Cleared. | 08/13/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
|  | 593052292 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] 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 $[Redacted] is under disclosed by $[Redacted]compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] 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 $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). |  |  |  | Reviewer Comment (2024-08-13): Corrected Note and SI provided. System Cleared. | 08/13/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
|  | 593052292 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed 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 [Redacted]). The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $[Redacted] threshold. | Final Closing Disclosure provided on [Redacted] 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 [Redacted]). The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $[Redacted] threshold. |  |  |  | Reviewer Comment (2024-08-13): Corrected Note and SI provided. System Cleared. | 08/13/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | 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 i(required on rescindable transactions) B | Non QM | Non QM | Yes |
|  | 593052292 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Other (non-subject) not provided |  | Corrected Note with Loan Amount of $[Redacted] not provided. |  |  |  | Reviewer Comment (2024-07-29): Received corrected note with Loan amount of $[Redacted], Exception cleared.<br>Buyer Comment (2024-07-26): Note uploaded. | 07/29/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | D B A C | Non QM | Non QM | No |
|  | 593052292 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Corrected Security Instrument with Loan Amount of $[Redacted] not provided. |  |  |  | Reviewer Comment (2024-07-29): Received corrected Security Instrument with Loan amount of $[Redacted], Exception cleared.<br>Buyer Comment (2024-07-26): Recorded DOT uploaded. | 07/29/2024 |  |  | 1 D A |  | [redacted] | Primary | Refinance - Rate/Term | D B A C | Non QM | Non QM | No |
|  | 593052292 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of 6[Redacted]. | Required TIL prior to 3 business days from note date. |  |  |  | Reviewer Comment (2024-11-18): Cured with a new NORTC to all parties with ownership interest.<br>Reviewer Comment (2024-09-05): Disclosures and RTC must go to any person with the right to rescind. As the Co-borrower signed both the note and the security instrument she should receive RTC. Pursuant to §[Redacted](d) and related commentary, "if there is more than one consumer, the disclosures may be made to any consumer who is primarily liable on the obligation". On loans subject to rescission, CD should be provided to and signed by each borrower and each person with right to rescind as page 5 of CD contains "material disclosures" (see commentary to [Redacted](d) below for reference). If the only change to the CD is that the co-borrower is being removed, [Redacted] would not cite an exception for a new 3-day period not being provided.<br> 2. Multiple consumers. When two consumers are joint obligors with primary liability on an obligation, the disclosures may be given to either one of them. If one consumer is merely a surety or guarantor, the disclosures must be given to the principal debtor. In rescindable transactions, however, separate disclosures must be given to each consumer who has the right to rescind under §[Redacted], although the disclosures required under §[Redacted](b) need only be provided to the consumer who expresses an interest in a variable-rate loan program. When two consumers are joint obligors with primary liability on an obligation, the early disclosures required by §[Redacted](a), (e), or (g), as applicable, may be provided to any one of them. In rescindable transactions, the disclosures required by §[Redacted](f) must be given separately to each consumer who has the right to rescind under §[Redacted]. In transactions that are not rescindable, the disclosures required by §[Redacted](f) may be provided to any consumer with primary liability on the obligation. See §[Redacted](a)(11), [Redacted](b), [Redacted](a), [Redacted](f), and [Redacted](b).<br>Buyer Comment (2024-08-27): [Redacted] is a non-occupying co borrower and NORTC does not apply.<br>Reviewer Comment (2024-08-23): The Rescission Period started on the latest signature/Notary date which was the co borrower's [Redacted] signing date. The rescission Period ended the night of the 22nd and could disburse on the [Redacted] of [Redacted]. Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form is required.<br>Reviewer Comment (2024-08-23): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted] [Redacted].<br>Buyer Comment (2024-08-16): Proof redrawn docs delivered uploaded.<br>Reviewer Comment (2024-08-07): Please provide Letter of Explanation and Proof of Delivery to cure exception.<br>Buyer Comment (2024-08-01): NORTC uploaded. |  | 11/18/2024 |  | 2 B |  | [redacted] | 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 | Non QM | Non QM | Yes |
|  | 593052292 |  |  |  | [redacted] |  | 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). | Required TIL prior to 3 business days from note date. |  |  |  | Reviewer Comment (2024-11-18): Cured with a new NORTC to all parties with ownership interest.<br>Reviewer Comment (2024-09-06): Disclosures and RTC must go to any person with the right to rescind. As the Co-borrower signed both the note and the security instrument she should receive RTC. Pursuant to §[Redacted](d) and related commentary, "if there is more than one consumer, the disclosures may be made to any consumer who is primarily liable on the obligation". On loans subject to rescission, CD should be provided to and signed by each borrower and each person with right to rescind as page 5 of CD contains "material disclosures" (see commentary to [Redacted](d) below for reference). If the only change to the CD is that the co-borrower is being removed, [Redacted] would not cite an exception for a new 3-day period not being provided. 2. Multiple consumers. When two consumers are joint obligors with primary liability on an obligation, the disclosures may be given to either one of them. If one consumer is merely a surety or guarantor, the disclosures must be given to the principal debtor. In rescindable transactions, however, separate disclosures must be given to each consumer who has the right to rescind under §[Redacted], although the disclosures required under §[Redacted](b) need only be provided to the consumer who expresses an interest in a variable-rate loan program. When two consumers are joint obligors with primary liability on an obligation, the early disclosures required by §[Redacted](a), (e), or (g), as applicable, may be provided to any one of them. In rescindable transactions, the disclosures required by §[Redacted](f) must be given separately to each consumer who has the right to rescind under §[Redacted]. In transactions that are not rescindable, the disclosures required by §[Redacted](f) may be provided to any consumer with primary liability on the obligation. See §[Redacted](a)(11), [Redacted](b), [Redacted](a), [Redacted](f), and [Redacted](b).<br>Buyer Comment (2024-08-27): [Redacted] is a non-occupying co borrower and NORTC does not apply.<br>Reviewer Comment (2024-08-23): The Rescission Period started on the latest signature/Notary date which was the co borrower's [Redacted] signing date. The rescission Period ended the night of the [Redacted] and could disburse on the [Redacted] of [Redacted]. Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form is required.<br>Buyer Comment (2024-08-16): Proof redrawn docs delivered uploaded.<br>Reviewer Comment (2024-08-07): Please provide Letter of Explanation and Proof of Delivery to cure exception.<br>Buyer Comment (2024-08-01): NORTC uploaded. |  | 11/18/2024 |  | 2 B |  | [redacted] | 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 | Non QM | Non QM | Yes |
|  | 593052292 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-08-01): Sufficient Cure Provided At Closing |  | 08/01/2024 |  | 1 A |  | [redacted] | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 593052292 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide corrected 1003 reflecting accurate assets ($[Redacted]). |  |  |  | Reviewer Comment (2024-08-23): Corrected 1003 received.<br>Buyer Comment (2024-08-22): 1003 uploaded. | 08/23/2024 |  |  | 1 A |  | [redacted] | Primary | Refinance - Rate/Term | D B A C | Non QM | Non QM | No |
|  | 500668807 |  |  |  | [redacted] |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2024-08-15): Documentation provided. | 08/15/2024 |  |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Home Improvement | C A | Non QM | Non QM | No |
|  | 500668807 |  |  |  | [redacted] |  | Compliance | Compliance | State Compliance | State Defect | ([redacted]50(a)(6)) [redacted] Cash-out Loan (Loan Not Closed At Office of Lender, Attorney, or Title Company) | [Redacted] Constitution Section 50(a)(6): Unable to determine if loan was closed at an authorized location due to missing documentation. | Unable to determine if loan was closed at an authorized location due to missing documentation. |  |  |  | Reviewer Comment (2024-08-15): Documentation provided. System cleared.<br>Buyer Comment (2024-08-14): See attached. | 08/15/2024 |  |  | 1 B A |  | [redacted] | Primary | Refinance - Cash-out - Home Improvement | 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 | Non QM | Non QM | Yes |
|  | 500668807 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Insufficient or no cure was provided to the borrower. | $[Redacted] violation due to increase in Title - Document Preparation. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-08-16): [Redacted] received comments and documentation in regard to VCC.<br>Buyer Comment (2024-08-16): The change of circumstance provides all the required information. Curative title work was required because a lien was discovered on title and Carrington was informed on [Redacted]. This required curative title work to release, and the charge for the additional documentation was $[Redacted].<br>Reviewer Comment (2024-08-15): [Redacted] received Changed Circumstance dated [Redacted], but it does not give sufficient information on why the title 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 consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2024-08-14): Attached change of circumstance shows curative title work was required as of [Redacted], which is the date the $[Redacted] title-document preparation was added. This is a legitimate change of circumstance for that fee. | 08/16/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Home Improvement | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 500668807 |  |  |  | [redacted] |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | [Redacted] Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the [Redacted] endorsement or the [Redacted] endorsement. (The loan is a [Redacted] Section 50 (a)(6) home equity loan.) |  |  |  |  | Reviewer Comment (2024-08-15): Documentation provided. System cleared.<br>Buyer Comment (2024-08-14): Attached | 08/15/2024 |  |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Home Improvement | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C A | Non QM | Non QM | No |
|  | 513727705 |  |  |  | [redacted] |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | Missing Final Title. |  |  |  | Reviewer Comment (2024-03-04): Documents received, system cleared. Received final short form title policy. | 03/04/2024 |  |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
|  | 513727705 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | Missing Secondary Valuation - The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-02-12): CU Score is <[Redacted] and LCA risk is [Redacted], secondary valuation is not needed. Scores updated. Exception Cleared.<br>Buyer Comment (2024-02-07): No CDA report is needed. Per the property report and UCDP, the Risk Score is [Redacted] which is less than [Redacted]. Please see attached documents | 02/12/2024 |  |  | 1 D A |  | [redacted] | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
|  | 513727705 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan (2013): Mandatory escrow account not established on 1st lien mortgage loan. | Mandatory escrow account not established on 1st lien mortgage loan. No escrow established for Hazard Insurance. |  |  |  | Reviewer Comment (2024-12-30): Client elects to Waive. The SOL expired [Redacted].<br>Reviewer Comment (2024-02-15): Higher priced mortgage requires an escrow account which would include hazard insurance. Escrow account reflected on final closing disclosure only reflects taxes being escrowed but not insurance.<br>Buyer Comment (2024-02-07): Please see Rate Lock attached showing that escrow only included property taxes.<br>Buyer Comment (2024-02-07): Escrow acct only includes property taxes. Please see First Payment Letter and Initial Escrow Account Disclosure Statement attached. |  |  | 12/30/2024 | 2 C B |  | [redacted] | Primary | Refinance - Cash-out - Other | If escrow was established before consummation for one impound item but not the other (e.g. taxes but not insurance), cure available by escrowing item that was not previously included. Proof of new escrow setup required.<br> If no escrow account was established at or before consummation, no cure available. D B A C | Non QM | Non QM | Yes |
|  | 513727705 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2024-12-30): Client elects to Waive. SOL expired on [Redacted].<br>Reviewer Comment (2024-02-15): Higher priced mortgage requires an escrow account which would include hazard insurance. Escrow account reflected on final closing disclosure only reflects taxes being escrowed but not insurance.<br>Buyer Comment (2024-02-07): Please see Rate Lock attached showing that escrow only included property taxes.<br>Buyer Comment (2024-02-07): Escrow acct only includes property taxes. Please see First Payment Letter and Initial Escrow Account Disclosure Statement attached. |  |  | 12/30/2024 | 2 C B |  | [redacted] | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
|  | 513727705 |  |  |  | [redacted] |  | Compliance | Compliance | State Compliance | State Defect | ([redacted]50(a)(6)) [redacted] Cash-out Loan (Evidence of Guaranty Surety) | [Redacted] Constitution Section 50(a)(6): [Redacted] Cash-out Loan. Evidence of Guaranty or Surety of a [Redacted] Home Equity loan in file. | [Redacted] Cash-out Loan. Evidence of Guaranty or Surety of a [Redacted] Home Equity loan in file. |  |  |  | Reviewer Comment (2024-03-11): System cleared.<br>Buyer Comment (2024-03-06): Please kindly provide more information concerning this document since I don't have it listed on the [Redacted] Document Matrix. I attached the warranty of the loan which is the legal Note. Thanks | 03/11/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | Send the borrower a written acknowledgement that the lien is valid only against the subject property and cannot be collected against the Evidence of Guaranty Surety. D B A C | Non QM | Non QM | Yes |
|  | 513727705 |  |  |  | [redacted] |  | Compliance | Compliance | State Compliance | Misc. State Level | ([redacted]50(a)(6)) [redacted] Cash-out Loan (T-42 Endorsement Not Obtained) | [Redacted] Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the [Redacted] Endorsement, there is no evidence the Title Policy includes the [Redacted] endorsement. (The loan is a [Redacted] Section 50 (a)(6) home equity loan.) | Loan file contains the T-42.1 Endorsement, there is no evidence the Title Policy includes the Texas T-42 endorsement. |  |  |  | Reviewer Comment (2024-02-15): Document provided, system cleared.<br>Buyer Comment (2024-02-07): Please see the final title policy insurance including T42 Endorsement attached. | 02/15/2024 |  |  | 1 B A |  | [redacted] | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation D B A C | Non QM | Non QM | No |
|  | 513727705 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | [Redacted]% tolerance was exceeded by $[Redacted] due to Appraisal Fee. No valid COC provided. |  |  |  | Reviewer Comment (2024-02-07): [Redacted] Received PCCD, LOE and Payment history<br>Buyer Comment (2024-02-07): Please see PCCD and Pymt History attached showing a cure for $[Redacted] which includes $[Redacted] for an increase in appraisal fee, $[Redacted] for an increase in recording fees, and $[Redacted] for an increase in settlement charges. |  | 02/07/2024 |  | 2 C B |  | [redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 513727705 |  |  |  | [redacted] |  | 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 Recording Fee Total. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Insufficient or no cure was provided to the borrower. | [Redacted]% tolerance was exceeded by $[Redacted] due to Recording Fee. No valid COC provided. |  |  |  | Reviewer Comment (2024-02-07): [Redacted] Received PCCD, LOE and Payment history<br>Buyer Comment (2024-02-07): Please see PCCD and Pymt History attached showing a cure for $[Redacted] which includes $[Redacted] for an increase in appraisal fee, $[Redacted] for an increase in recording fees, and $[Redacted] for an increase in settlement charges. |  | 02/07/2024 |  | 2 C B |  | [redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 513727705 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Insufficient or no cure was provided to the borrower. | [Redacted]% tolerance was exceeded by $[Redacted] due to Title Settlement, Endorsement & Lender's Title Insurance Fee. No valid COC provided |  |  |  | Reviewer Comment (2024-02-07): [Redacted] Received PCCD, LOE and Payment history<br>Buyer Comment (2024-02-07): Please see PCCD and Pymt History attached showing a cure for $[Redacted] which includes $[Redacted] for an increase in appraisal fee, $[Redacted] for an increase in recording fees, and $[Redacted] for an increase in settlement charges. |  | 02/07/2024 |  | 2 C B |  | [redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 513727705 |  |  |  | [redacted] |  | Compliance | Compliance | State Compliance | State Defect | ([redacted]50(a)(6)) [redacted] Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided Timely) | [Redacted] Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not signed by lender at or before closing. |  |  |  |  | Reviewer Comment (2024-02-15): Document provided, system cleared.<br>Buyer Comment (2024-02-07): Please see the [Redacted] Cash-Out Fair Market Value signed by the Lender and Borrower. | 02/15/2024 |  |  | 1 C A |  | [redacted] | 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 A C | Non QM | Non QM | Yes |
|  | 513727705 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2025-01-06): Inspection provided.<br>Reviewer Comment (2025-01-06): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Most Recent Valuation Inspection Date: [Redacted] <br> Disaster End Date: [Redacted]<br> Disaster Name: SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING<br> Disaster Declaration Date: [Redacted]<br>Buyer Comment (2025-01-06): Re-inspection attached | 01/06/2025 |  |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
|  | 536671056 |  |  |  | [redacted] |  | 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. |  |  |  |  | Reviewer Comment (2024-04-24): Delivery provided, system cleared.<br>Buyer Comment (2024-04-22): Initial appraisal report delivered to borrower and borrower confirmation receipt of second appraisal report | 04/24/2024 |  |  | 1 B A |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 536671056 |  |  |  | [redacted] |  | 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). | [Redacted], [Redacted] was a federal holiday and should not have been considered in the rescission date calculation. |  |  |  | Reviewer Comment (2024-04-30): Re-executed Rescission provided to cure rescission timing.<br>Buyer Comment (2024-04-26): Updated NORTC executed when CD was executed [Redacted]<br>Reviewer Comment (2024-04-24): Borrower signed/dated the final CD on the [Redacted] instead of the closing date of [Redacted] which makes the transaction date for rescission [Redacted]. TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form.<br>Buyer Comment (2024-04-22): dates appear to be correct, form signed [Redacted], add [Redacted], (skip [Redacted] and [Redacted] for holiday) [Redacted] and [Redacted] at midnight is [Redacted] days. Please clarify dates. |  | 04/30/2024 |  | 2 C B |  | [redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
|  | 536671056 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2024-05-06): [Redacted] received Letter of Explanation, Payment History and Corrected PCCD.<br>Buyer Comment (2024-05-02): Cure and corrected CD<br>Reviewer Comment (2024-04-26): [Redacted] received rebuttal. The LE dated [Redacted] (seq. #2) Doc ID 0118 shows the loan amount of $[Redacted] as per which the changes was disclosed on LE dated [Redacted]. But the Second Appraisal fee was not added until [Redacted]. This is outside of the required three-day timeline for notification of borrower. Cure is required.<br>Buyer Comment (2024-04-25): the second appraisal was added when the loan amount increased over $[Redacted]mil on [Redacted], please see loan amounts on initial lock and updated lock previously uploaded to support reason for 2nd appraisal request and disclosure to borrower<br>Reviewer Comment (2024-04-23): [Redacted] received detailed rebuttal comment with supporting Rate lock document. However, the Loan amount over $[Redacted] million on LE dated [Redacted]. But, the 2nd Appraisal fee was not added until [Redacted]. This is outside of the required three-day timeline for notification of borrower. Cure is required.<br>Buyer Comment (2024-04-22): Initial Lock with loan amount under $[Redacted] million and LE, updated lock with loan amount over $[Redacted] million and updated CD with TRID cert disclosing additional fees and expedite audit cert supporting receipt of additional appraisal report fee due to increased loan amount |  | 05/06/2024 |  | 2 C B |  | [redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 536671056 |  |  |  | [redacted] |  | 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 Field Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2024-05-06): [Redacted] received Letter of Explanation, Payment History and Corrected PCCD.<br>Buyer Comment (2024-05-02): Cure and corrected CD<br>Reviewer Comment (2024-04-26): [Redacted] received rebuttal. The LE dated [Redacted] (seq. #2) Doc ID 0118 shows the loan amount of $[Redacted] as per which the changes was disclosed on LE dated [Redacted]. But the Appraisal field review fee was not added until [Redacted]. This is outside of the required three-day timeline for notification of borrower. Cure is required.<br>Buyer Comment (2024-04-25): the second appraisal was added when the loan amount increased over $[Redacted]mil on [Redacted], please see loan amounts on initial lock and updated lock previously uploaded to support reason for 2nd appraisal request and disclosure to borrower<br>Reviewer Comment (2024-04-23): [Redacted] received detailed rebuttal comment with supporting Rate lock document. However, the Loan amount over $[Redacted] million on LE dated [Redacted]. But, the Appraisal field review fee was not added until [Redacted]. This is outside of the required three-day timeline for notification of borrower. Cure is required.<br>Buyer Comment (2024-04-22): Initial Lock with loan amount under $[Redacted] million and LE, updated lock with loan amount over $[Redacted] million and updated CD with TRID cert disclosing additional fees and expedite audit cert supporting receipt of added desk review due to increased loan amount |  | 05/06/2024 |  | 2 C B |  | [redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 536671056 |  |  |  | [redacted] |  | 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 loan file is missing verification of the borrower's business within [Redacted] business days of the Note date. |  |  |  | Reviewer Comment (2024-04-24): Verification of the business provided, system cleared.<br>Buyer Comment (2024-04-22): VVOE dated w/in 10 days of Note uploaded | 04/24/2024 |  |  | 1 B A C |  | [redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 536671056 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The loan file is missing verification of the borrower's business within [Redacted] business days of the Note date. |  |  |  | Reviewer Comment (2024-04-24): Verification of the business provided, system cleared.<br>Buyer Comment (2024-04-22): VVOE completed w/in 10 days of Note uploaded | 04/24/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 536671056 |  |  |  | [redacted] |  | 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 loan file is missing verification of the borrower's business within [Redacted] business days of the Note date. |  |  |  | Reviewer Comment (2024-04-24): Verification of the business provided, system cleared.<br>Buyer Comment (2024-04-22): VVOE dated w/in 10 days of Note uploaded | 04/24/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 536671056 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The loan file is missing verification of the borrower's business within [Redacted] business days of the Note date. |  |  |  | Reviewer Comment (2024-04-24): Received VVOE within 10 days Validity. Exception Cleared.<br>Buyer Comment (2024-04-22): VVOE dated w/in 10 days of Note uploaded | 04/24/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 536671056 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The loan file is missing verification of the borrower's business within [Redacted] business days of the Note date. |  |  |  | Reviewer Comment (2024-04-24): Received VVOE within 10 days Validity. Exception Cleared.<br>Buyer Comment (2024-04-22): VVOE with business verified by third party uploaded | 04/24/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 565253621 |  |  |  | [redacted] |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Loan file only contains 1 month bank statement for account [Redacted]. Guidelines require 2 months. |  |  |  | Reviewer Comment (2024-07-19): 2 months bank statement received. Exception Cleared.<br>Buyer Comment (2024-07-18): Additional statement uploaded. | 07/19/2024 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 565253621 |  |  |  | [redacted] |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title policy amount not provided. |  |  |  | Reviewer Comment (2024-07-19): Final Title Policy received, exception cleared.<br>Buyer Comment (2024-07-18): Final title policy uploaded. | 07/19/2024 |  |  | 1 B A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 565253621 |  |  |  | [redacted] |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2024-07-19): Final Title Policy received, exception cleared. | 07/19/2024 |  |  | 1 A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 565253621 |  |  |  | [redacted] |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Loan file only contains 1 month bank statement for account [Redacted]. Guidelines require 2 months. |  |  |  | Reviewer Comment (2024-07-19): 2 months bank statement received. Exception Cleared.<br>Buyer Comment (2024-07-18): Additional bank statement uploaded. | 07/19/2024 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 565253621 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Borrower is short funds to close. The 1008 indicates the borrower's parents are gifting the funds to close and they would be deposited directly to closing agent, however, there is no gift letter and no evidence of the transaction in the file. Additionally, the 1003 reflects [Redacted] account [Redacted], but there are not documents for this file in the account. |  |  |  | Reviewer Comment (2024-08-28): Exception Cleared, Gift Letter is received with amount of $[Redacted].<br>Buyer Comment (2024-08-27): Gift letter for $[Redacted] uploaded.<br>Reviewer Comment (2024-08-23): Gift letter provided is of $[Redacted] , however borrower has received gift of $[Redacted] & $[Redacted] and bank statement proof of $[Redacted] is provided. Required Gift letter of $[Redacted] amount. Exception Remains.<br>Buyer Comment (2024-08-22): Gift letters and donor statements uploaded. | 08/28/2024 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 565253621 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee increased on [Redacted] Loan Estimate and again on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2024-07-22): [Redacted] received rate lock. COC and email conversation for increase in fee.<br>Buyer Comment (2024-07-18): TRID Cert reflecting VCOC and rate lock confirmation confirming extension fees added uploaded. | 07/22/2024 |  |  | 1 C A |  | [redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 565253621 |  |  |  | [redacted] |  | 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. | Borrower is short funds to close and funds for required reserves. The 1008 indicates the borrower's parents are gifting the funds to close and they would be deposited directly to closing agent, however, there is no gift letter and no evidence of the transaction in the file. Additionally, the 1003 reflects [Redacted] account [Redacted], but there are not documents for this file in the account. |  |  |  | Reviewer Comment (2024-08-28): Exception Cleared, Gift Letter is received with amount of $[Redacted].<br>Buyer Comment (2024-08-27): Gift letter for $[Redacted] uploaded.<br>Reviewer Comment (2024-08-23): Gift letter provided is of $[Redacted] , however borrower has received gift of $[Redacted] & $[Redacted] and bank statement proof of $[Redacted] is provided. Required Gift letter of $[Redacted] amount. Exception Remains.<br>Buyer Comment (2024-08-22): Gift letters and donor statements uploaded. | 08/28/2024 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 565253621 |  |  |  | [redacted] |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Account [Redacted] appears as an asset account on the final 1003, yet no documentation provided. Provide 60 days statements or corrected 1003. |  |  |  | Reviewer Comment (2024-07-19): 4 months bank statement provided. Exception Cleared.<br>Buyer Comment (2024-07-18): 60 days statements and transaction history with most recent balance uploaded. | 07/19/2024 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 565253621 |  |  |  | [redacted] |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Gift funds appears as an asset source on the final 1003, yet no documentation provided. Provide Guidelines required documents to support assets or corrected 1003. |  |  |  | Reviewer Comment (2024-08-28): Exception Cleared, Gift Letter is received with amount of $[Redacted].<br>Buyer Comment (2024-08-27): Gift letter for $[Redacted] uploaded.<br>Reviewer Comment (2024-08-23): Gift letter provided is of $[Redacted] , however borrower has received gift of $[Redacted] & $[Redacted] and bank statement proof of $[Redacted] is provided. Required Gift letter of $[Redacted] amount. Exception Remains.<br>Buyer Comment (2024-08-22): Gift letters and donor statements uploaded. | 08/28/2024 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 565253621 |  |  |  | [redacted] |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Gift funds appears as an asset source on the final 1003, yet no documentation provided. Provide Guidelines required documents to support assets or corrected 1003. |  |  |  | Reviewer Comment (2024-08-28): Exception Cleared, Gift Letter is received with amount of $[Redacted].<br>Buyer Comment (2024-08-27): Gift letter for $[Redacted] uploaded.<br>Reviewer Comment (2024-08-23): Gift letter provided is of $[Redacted] , however borrower has received gift of $[Redacted] & $[Redacted] and bank statement proof of $[Redacted] is provided. Required Gift letter of $[Redacted] amount. Exception Remains.<br>Buyer Comment (2024-08-22): Gift letters and donor statements uploaded. | 08/28/2024 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 565253621 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan file missing asset documentation for gift funds, account [Redacted] and [Redacted]. Waterfall exception, see individual exceptions. |  |  |  | Reviewer Comment (2024-07-19): 2 months bank statement received. Exception Cleared. | 07/19/2024 |  |  | 1 B A C |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
|  | 565253621 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. | Loan file missing asset documentation for gift funds, account [Redacted] and [Redacted]. Waterfall exception, see individual exceptions. |  |  |  | Reviewer Comment (2024-07-19): 2 months bank statement received. Exception Cleared. | 07/19/2024 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 565253621 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. | Loan file missing asset documentation for gift funds, account [Redacted] and [Redacted]. Waterfall exception, see individual exceptions. |  |  |  | Reviewer Comment (2024-08-28): Exception Cleared, Gift Letter is received with amount of $[Redacted].<br>Buyer Comment (2024-08-27): Gift letter for $[Redacted] uploaded.<br>Reviewer Comment (2024-08-23): Gift letter provided is of $[Redacted] , however borrower has received gift of $[Redacted] & $[Redacted] and bank statement proof of $[Redacted] is provided. Required Gift letter of $[Redacted] amount. Exception Remains.<br>Buyer Comment (2024-08-22): Gift letters and donor statements uploaded. | 08/28/2024 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 565253621 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Loan file missing asset documentation for gift funds, account [Redacted] and [Redacted]. Waterfall exception, see individual exceptions. |  |  |  | Reviewer Comment (2024-08-28): Exception Cleared, Gift Letter is received with amount of $[Redacted].<br>Reviewer Comment (2024-08-23): Gift letter provided is of $[Redacted] , however borrower has received gift of $[Redacted] & $[Redacted] and bank statement proof of $[Redacted] is provided. Required Gift letter of $[Redacted] amount. Exception Remains. | 08/28/2024 |  |  | 1 A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 580122020 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-08-22): [Redacted] received rebuttal and valid COC document.<br>Buyer Comment (2024-08-20): Please note, VCOC reflects a UPE was approved and approval reflects the same as well. No cure required.<br>Reviewer Comment (2024-08-15): [Redacted]: The COC dated [Redacted] that was provided in the trailing images was also provided in the original loan package indicates Change to credit for interest Rate chosen and there seems to be no changes in interest rate and it does not explain the need for the decrease in the Lender Credit amount on [Redacted]. Please provide documentation of the reason for the decrease, or PCCD, LOE, copy of the refund check, and proof of mailing.<br>Buyer Comment (2024-08-14): Disclosure tracking details reflecting VCOC uploaded. | 08/22/2024 |  |  | 1 C A |  | [redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 580122020 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 4506-T ([Redacted]) and CPA letter dated [Redacted] are missing. |  |  |  | Reviewer Comment (2024-08-16): Received 4506-C and CPA letter, information validated accordingly. Exception Cleared.<br>Buyer Comment (2024-08-14): CPA letter dated [Redacted] and 4506C uploaded. | 08/16/2024 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 580122020 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Signed and dated 4506-T, and CPA letter dated [Redacted] are missing. missing from file. |  |  |  | Reviewer Comment (2024-08-16): Received 4506-C and CPA letter, information validated accordingly. Exception Cleared.<br>Buyer Comment (2024-08-14): CPA letter dated [Redacted] and 4506C uploaded. | 08/16/2024 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 580122020 |  |  |  | [redacted] |  | 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. | Signed and dated 4506-T, and CPA letter dated [Redacted] are missing. missing from file. |  |  |  | Reviewer Comment (2024-08-16): Received 4506-C and CPA letter, information validated accordingly. Exception Cleared.<br>Buyer Comment (2024-08-14): CPA letter dated [Redacted] and 4506C uploaded. | 08/16/2024 |  |  | 1 B A C |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 580122020 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Signed and dated 4506-T, and CPA letter dated [Redacted] are missing. missing from file. |  |  |  | Reviewer Comment (2024-08-16): Received 4506-C and CPA letter, information validated accordingly. Exception Cleared.<br>Buyer Comment (2024-08-14): CPA letter dated [Redacted] and 4506C uploaded. | 08/16/2024 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 580122020 |  |  |  | [redacted] |  | 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. | Signed and dated 4506-T, and CPA letter dated [Redacted] are missing. missing from file. |  |  |  | Reviewer Comment (2024-08-16): Received 4506-C and CPA letter, information validated accordingly. Exception Cleared.<br>Buyer Comment (2024-08-14): CPA letter dated [Redacted] and 4506C uploaded. | 08/16/2024 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 580122020 |  |  |  | [redacted] |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. |  | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS) | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-11-25): Lender Exception with Compensating Factors provided.<br>Reviewer Comment (2024-08-08): Lender Exception with Compensating Factors. |  |  | 11/25/2024 | 2 B |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 580122020 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. |  | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS) | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-11-25): Lender Exception with Compensating Factors provided.<br>Reviewer Comment (2024-08-08): Lender Exception with Compensating Factors. |  |  | 11/25/2024 | 2 B |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 580122020 |  |  |  | [redacted] |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Retirement account entered on 1003 as usable assets. Loan file missing all documentation on this account. Please provide 2 months most recent statements for the American Century account or updated 1003. |  |  |  | Reviewer Comment (2024-12-09): Exception cleared - On the as per corrected 1003, retirement assets is not included assets.<br>Buyer Comment (2024-12-05): Please note, 1003 is not required to be signed. Please escalate to [Redacted]/[Redacted].<br>Reviewer Comment (2024-12-03): Provided 1003 is not signed and dated. Exception remains.<br>Buyer Comment (2024-12-02): 1003 removing retirement account uploaded. | 12/09/2024 |  |  | 1 A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 580122020 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [Redacted] | SitusAMC,Originator | Reviewer Comment (2024-12-12): Property Inspection provided pre end date.<br>Buyer Comment (2024-12-02): Disaster reinspection report uploaded. |  |  | 12/12/2024 | 2 B |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 580122020 |  |  |  | [redacted] |  | 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. | Insufficient assets affecting Loan Designation. |  |  |  | Reviewer Comment (2024-12-09): Exception cleared - On the as per corrected 1003, retirement assets is not included assets.<br>Buyer Comment (2024-12-02): 1003 removing retirement account uploaded. | 12/09/2024 |  |  | 1 A |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
|  | 580122020 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. | Insufficient assets affecting ATR. |  |  |  | Reviewer Comment (2024-12-09): Exception cleared - On the as per corrected 1003, retirement assets is not included assets.<br>Buyer Comment (2024-12-02): 1003 removing retirement account uploaded. | 12/09/2024 |  |  | 1 A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 580122020 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Insufficient assets affecting ATR. |  |  |  | Reviewer Comment (2024-12-09): Exception cleared - On the as per corrected 1003, retirement assets is not included assets. | 12/09/2024 |  |  | 1 A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 535662777 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow borrower previously on the title on a Non-Arm's Length Transaction (Guideline do not allow a borrower who was previously on the title in the past [Redacted] months on a Non-Arm's Length Transaction) | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors.<br>Low housing ratio of [Redacted]% or less. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-08-08): Lender Exception with Compensating Factors. |  |  | 08/08/2024 | 2 B |  | [redacted] | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 586242968 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Required mortgage statement to verify if taxes and insurance are escrowed in P&I. And Lease agreement to consider rental income. |  |  |  | Reviewer Comment (2024-09-18): Lease and mortgage statement are received. Exception cleared.<br>Buyer Comment (2024-09-16): Lease and mortgage statement uploaded. | 09/18/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 586242968 |  |  |  | [redacted] |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  | Reviewer Comment (2024-09-13): Exception cleared - Dwelling amount is coving the loan amount.<br>Buyer Comment (2024-09-11): Please see image D0105 reflecting sufficient coverage of $[Redacted]. Loan amount is $[Redacted]. | 09/13/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 586242968 |  |  |  | [redacted] |  | 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. | Rental income was entered with vacancy method. Missing form 1007/1025 or lease agreement for [Redacted] in the Income/REO section |  |  |  | Reviewer Comment (2024-09-18): Lease and mortgage statement are received. Exception cleared.<br>Buyer Comment (2024-09-16): Lease and mortgage statement uploaded. | 09/18/2024 |  |  | 1 B A C |  | [redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
|  | 586242968 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO [Redacted] % Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. | Rental income was entered with vacancy method. Missing form 1007/1025 or lease agreement for [Redacted] in the Income/REO section. |  |  |  | Reviewer Comment (2024-09-18): Lease and mortgage statement are received. Exception cleared.<br>Buyer Comment (2024-09-16): Lease and mortgage statement uploaded. | 09/18/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 586242968 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Rental income was entered with vacancy method. Missing form 1007/1025 or lease agreement for[Redacted] in the Income/REO section |  |  |  | Reviewer Comment (2024-09-18): Lease and mortgage statement are received. Exception cleared. | 09/18/2024 |  |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 584508593 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]plus 10% or $[Redacted] . Insufficient or no cure was provided to the borrower. | $[Redacted] violation due to increase in Recording Fees. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-09-05): [Redacted] received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction resulting in a cured the exception.<br>Buyer Comment (2024-09-04): PCCD and payment history reflecting PR uploaded.<br>Reviewer Comment (2024-08-23): [Redacted]: On Initial LE Title - Guaranty fee $[Redacted] and Recording fee $[Redacted]. The Total of [Redacted]% Tolerance fee on LE is $[Redacted]+[Redacted]% ($[Redacted])=$[Redacted]. whereas on Final CD Title - Guaranty fee $[Redacted] and Recording fee $[Redacted] on Final CD total of [Redacted]% Tolerance is $[Redacted]. Recording fee increased of $[Redacted] without valid COC, this is causing the fees were exceeds [Redacted]% tolerance of $[Redacted] (ILE $[Redacted]+[Redacted]% ($[Redacted])=$[Redacted]-$[Redacted]). Provide refund cure of $[Redacted] with Cure documents to complete remediation.<br>Buyer Comment (2024-08-21): Could you please verify the cure request for this file? by looking at the initial LE dated [Redacted] the recording fees were disclosed at $[Redacted] X [Redacted]% Max allowed = $[Redacted]. The final CD dated [Redacted] shows the recording fees at $[Redacted]. The cure required to this file is $[Redacted]. |  | 09/05/2024 |  | 2 C B |  | [redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 576781615 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. CU and LCA results are contradictory. Missing Secondary Valuation. Sec ID: 98 | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-08-22): Secondary valuation not required since the Loan amount is less than $[Redacted] also CU score is less than [Redacted]. actual CU is [Redacted], Exception Cleared.<br>Buyer Comment (2024-08-21): No need for a secondary valuation since the Loan amount is less than $[Redacted] also CU score is less than [Redacted]. actual CU is [Redacted]. Please see attached documents | 08/22/2024 |  |  | 1 A D |  | [redacted] | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 576781615 |  |  |  | [redacted] |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The Borrower does not meet the reserves requirements as the Guidelines require 6 months and the Borrower has 3 months verified. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Residual income > $[Redacted]. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-08-19): Lender exception with compensating factors. |  |  | 08/19/2024 | 2 B |  | [redacted] | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 576781615 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | The Borrower does not meet the reserves requirements as the Guidelines require 6 months and the Borrower has 3 months verified. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Residual income > $[Redacted]. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-08-19): Lender exception with compensating factors. |  |  | 08/19/2024 | 2 B |  | [redacted] | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 576781615 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The Borrower does not have 2 years existence for Business used in Income calculations, as it was formed on [Redacted]. Due to the start date of Business a combination of bank statements are from two different Self-employed Businesses. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Residual income > $[Redacted]. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-08-19): Lender exception with compensating factors. |  |  | 08/19/2024 | 2 B |  | [redacted] | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 576781615 |  |  |  | [redacted] |  | 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 Borrower does not have 2 years existence for Business used in Income calculations, as it was formed on [Redacted]. Due to the start date of Business a combination of bank statements are from two different Self-employed Businesses. The Borrower does not meet the reserves requirements as the Guidelines require 6 months and the Borrower has 3 months verified. |  |  |  | Reviewer Comment (2024-08-19): Lender exception with compensating factors, system cleared. | 08/19/2024 |  |  | 1 B A C |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes |
|  | 576781615 |  |  |  | [redacted] |  | 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 Borrower does not have 2 years existence for Business used in Income calculations, as it was formed on [Redacted]. Due to the start date of Business a combination of bank statements are from two different Self-employed Businesses. The Borrower does not meet the reserves requirements as the Guidelines require 6 months and the Borrower has 3 months verified. |  |  |  | Reviewer Comment (2024-08-19): Lender exception with compensating factors, system cleared. | 08/19/2024 |  |  | 1 C A |  | [redacted] | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 576781615 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The Borrower does not have 2 years existence for Business used in Income calculations, as it was formed on [Redacted]. Due to the start date of Business a combination of bank statements are from two different Self-employed Businesses. The Borrower does not meet the reserves requirements as the Guidelines require 6 months and the Borrower has 3 months verified. |  |  |  | Reviewer Comment (2024-08-19): Lender exception with compensating factors, system cleared. | 08/19/2024 |  |  | 1 C A |  | [redacted] | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 576781615 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Changed in the Lender Credit amount did not have a valid Changed Circumstance completed within three days of change. The Changed Circumstance within the loan file was completed 4 days prior to issued changed on the Closing Disclosure. |  |  |  | Reviewer Comment (2024-09-04): [Redacted] received additional information for rebuttal comment and screen print lieu of valid changed circumstance.<br>Buyer Comment (2024-08-30): Document ID # 139 mentioned in previous communication is actually a COC dated [Redacted] Please see attached. I would like to explain kindly that the documents included in the original binder were added as a mistake from our PC. These two documents belong to a different loan information. Please see the attached document. Thank you.<br>Reviewer Comment (2024-08-28): [Redacted] received rebuttal, DOC Id 139 shows COC dated [Redacted] for lock extension. However, no CD available in file within 3 days of COC. Please provide any missing CD sent within 3 days of COC to re-evaluate the exception.<br>Buyer Comment (2024-08-27): I reviewed the original binder but was unable to find such COC letters that are been mentioned. Please advise page # where is located these two COC letters from the original binder. Additionally Please see the attached documents that include tracking history showing all LEs and CDs generated and submitted to our borrower. if you need an attestation letter after to indicate pages #s that are located in the COC letters.<br>Reviewer Comment (2024-08-23): [Redacted]: The valid COC dated [Redacted] that was provided in the trailing images was also provided in the original loan package for a Rate lock extended, but there is no CD dated within that time frame. Provide any missing CD to associate with the changed circumstance or provide changed circumstance for the CD dated [Redacted] or cure is required.<br>Buyer Comment (2024-08-21): No additional cure is needed. Lender credit for $[Redacted] was applied to the file due to a Rate Lock caused because file was approved for a Lender exception. Please see attached documents including CD dated [Redacted], valid COC, proof of delivery, and screenshots showing a Lender exception. | 09/04/2024 |  |  | 1 C A |  | [redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 576781615 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The Changed in the Loan Discount did not have a valid Changed Circumstance completed within three days of change. The Changed Circumstance within the loan file was completed 4 days prior to issued changed on the Closing Disclosure. |  |  |  | Reviewer Comment (2024-09-04): [Redacted] received additional information for rebuttal comment and screen print lieu of valid changed circumstance.<br>Buyer Comment (2024-08-30): Document ID # 139 mentioned in previous communication is actually a COC dated [Redacted] Please see attached. I would like to explain kindly that the documents included in the original binder were added as a mistake from our PC. These two documents belong to a different loan information. Please see the attached document. Thank you.<br>Reviewer Comment (2024-08-28): [Redacted] received rebuttal, DOC Id 139 shows COC dated [Redacted] for lock extension. However, no CD available in file within 3 days of COC. Please provide any missing CD sent within 3 days of COC to re-evaluate the exception.<br>Buyer Comment (2024-08-27): I reviewed the original binder but was unable to find such COC letters that are been mentioned. Please advise page # where is located these two COC letters from the original binder. Additionally Please see the attached documents that include tracking history showing all LEs and CDs generated and submitted to our borrower. if you need an attestation letter after to indicate pages #s that are located in the COC letters.<br>Reviewer Comment (2024-08-23): [Redacted]: The valid COC dated [Redacted] that was provided in the trailing images was also provided in the original loan package for a Rate lock extended, but there is no CD dated within that time frame. Provide any missing CD to associate with the changed circumstance or provide changed circumstance for the CD dated [Redacted] or cure is required.<br>Buyer Comment (2024-08-21): No additional cure is needed. Discount points fees were increased from $[Redacted] to $[Redacted] due to a Rate Lock caused because the file was approved for a Lender exception. Please see the attached documents including CD dated [Redacted], valid COC, proof of delivery, and screenshots showing a Lender exception. | 09/04/2024 |  |  | 1 C A |  | [redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 576781615 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The credit report fee increased to $[Redacted] from baseline of $[Redacted] without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-09-05): [Redacted] received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction resulting in a cured the exception.<br>Buyer Comment (2024-09-04): PCCD and payment history reflecting PR uploaded. |  | 09/05/2024 |  | 2 C B |  | [redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 576781615 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]plus 10% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-09-05): [Redacted] received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction resulting in a cured the exception.<br>Buyer Comment (2024-09-04): PCCD and payment history reflecting PR uploaded. |  | 09/05/2024 |  | 2 C B |  | [redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 502760453 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-08-28): Sufficient Cure Provided At Closing |  | 08/28/2024 |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Home Improvement | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 502760453 |  |  |  | [redacted] |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | The Credit Report is dated [Redacted] and the Note is dated [Redacted], which exceeds the allowable document age for the Credit Report in the guidelines of 90 days. | Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS)<br>Low housing ratio oof [Redacted]% or less. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-09-19): Lender Exception with Compensating Factors.<br>Buyer Comment (2024-09-11): PC Exception Approval for expired CR uploaded. |  |  | 09/19/2024 | 2 C B |  | [redacted] | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
|  | 545739764 |  |  |  | [redacted] |  | 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. | Guidelines require 6 months in reserves and loan reflects [Redacted] months. |  |  |  | Reviewer Comment (2024-09-05): Lender exception with compensating factors, system cleared. | 09/05/2024 |  |  | 1 B A C |  | [redacted] | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 545739764 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Guidelines require 6 months in reserves and loan reflects [Redacted] months. |  |  |  | Reviewer Comment (2024-09-05): Lender exception with compensating factors, system cleared. | 09/05/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 545739764 |  |  |  | [redacted] |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Guidelines require 6 months in reserves and loan reflects [Redacted] months. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | [Redacted]+ years on job.<br>Residual income > $[Redacted].<br>Low default risk with substantial equity, LTV [Redacted]% lower than matrix<br>Excellent Credit Management with FICO [Redacted]+<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-09-05): Lender exception with compensating factors. |  |  | 09/05/2024 | 2 B |  | [redacted] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 545739764 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Guidelines require 6 months in reserves and loan reflects [Redacted] months. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | [Redacted]+ years on job.<br>Residual income > $[Redacted].<br>Low default risk with substantial equity, LTV [Redacted]% lower than matrix<br>Excellent Credit Management with FICO [Redacted]+<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-09-05): Lender exception with compensating factors. |  |  | 09/05/2024 | 2 B |  | [redacted] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 545739764 |  |  |  | [redacted] |  | 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. | Guidelines require 6 months in reserves and loan reflects [Redacted] months. |  |  |  | Reviewer Comment (2024-09-05): Lender exception with compensating factors, system cleared. | 09/05/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 518944157 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2024-09-11): Exception cleared - Fannie Mae Collateral underwriter property report received with CU score and updated [Redacted].<br>Buyer Comment (2024-09-10): Appraisal review CU uploaded. | 09/11/2024 |  |  | 1 D A |  | [redacted] | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
|  | 518944157 |  |  |  | [redacted] |  | 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. | Incorrect Notice of Right to Cancel form type utilized. |  |  |  | Buyer Comment (2024-09-05): accept |  |  | 09/05/2024 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Non QM | Non QM | Yes |
|  | 586465197 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The Hazard Insurance evidence is missing from the loan file. |  |  |  | Reviewer Comment (2024-09-18): Exception cleared. Received document and updated correctly.<br>Buyer Comment (2024-09-16): The HOI documents are located on pages # 336 to 340 from the original Binder. Also, see the HOI and property taxes attached. | 09/18/2024 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Cash-out - Other | C B A | Non QM | N/A | No |
|  | 586465197 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines require project approval on all condo's. The Subject Property is a non-Warrantable condo. | Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS)<br>Low housing ratio of [Redacted]% or less.<br>Excellent Credit management with FICO [Redacted]+ | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator<br>Originator | Reviewer Comment (2024-09-27): Lender exception with compensating factors.<br>Buyer Comment (2024-09-25): Please see Non Agency Loan Approval form attached showing that the file got approved for Non Warrantable Condo<br>Reviewer Comment (2024-09-10): Lender Exception with Compensating Factors. |  |  | 09/27/2024 | 2 B |  | [redacted] | Investment | Refinance - Cash-out - Other | C B A | Non QM | N/A | No |
|  | 586465197 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) |  |  |  |  | Reviewer Comment (2024-09-23): Captured correct Hazard Insurance for subject property as per document on file. and calculated Rental income as per Comparable rent schedule on file. Exception Cleared. | 09/23/2024 |  |  | 1 A |  | [redacted] | Investment | Refinance - Cash-out - Other | C B A | Non QM | N/A | No |
|  | 586465197 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | DTI increased after adding Tax and Insurance amount on REO property which is Primary residence. |  |  |  | Reviewer Comment (2024-09-23): Captured correct Hazard Insurance for subject property as per document on file. and calculated Rental income as per Comparable rent schedule on file. Exception Cleared<br>Buyer Comment (2024-09-20): Could you please consider the following calculations? The rental income is $[Redacted] less the vacancy factor [Redacted]% = $[Redacted] less PITIA for the subject $[Redacted] = a negative income of $[Redacted] + expenses from the primary resident $[Redacted] = $[Redacted] / by income $[Redacted] = [Redacted]% | 09/23/2024 |  |  | 1 A |  | [redacted] | Investment | Refinance - Cash-out - Other | C B A | Non QM | N/A | No |
|  | 510127824 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Subject Property located is identified as a rural property, rural properties are ineligible. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS) | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-09-10): Lender Exception with Compensating Factors. |  |  | 09/10/2024 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 510127824 |  |  |  | [redacted] |  | 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 $[Redacted]exceeds tolerance of $[Redacted]plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower. | Sufficient Principal Reduction provided on PCCD. |  |  |  | Reviewer Comment (2024-09-17): Sufficient Cure Provided within 60 Days of Closing |  | 09/17/2024 |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Other | 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 A | Non QM | Non QM | Yes |
|  | 510127824 |  |  |  | [redacted] |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. | Sufficient Principal Reduction provided on PCCD. |  |  |  | Reviewer Comment (2024-09-17): Sufficient Cure Provided within 60 Days of Closing |  | 09/17/2024 |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Other | 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 A | Non QM | Non QM | Yes |
|  | 555400093 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Secondary valuation is missing. UCDP not provided in file. |  |  |  | Reviewer Comment (2024-09-16): Document received to verify UCDP score. Details verified and updated. Exception cleared.<br>Buyer Comment (2024-09-13): Appraisal Review CU uploaded. | 09/16/2024 |  |  | 1 D A |  | [redacted] | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 555400093 |  |  |  | [redacted] |  | 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. | The initial closing disclosure [Redacted] was not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2024-09-16): [Redacted] received disclosure tracking for initial CD.<br>Buyer Comment (2024-09-13): Disclosure tracking details initial CD uploaded. | 09/16/2024 |  |  | 1 C A |  | [redacted] | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
|  | 553642280 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Evidence of appraisal delivery on [Redacted], the appraisal is dated [Redacted]. |  |  |  | Buyer Comment (2024-09-18): Approve |  |  | 09/18/2024 | 2 B |  | [redacted] | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 591897819 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on the Final Closing Disclosure. File does not contain a valid COC for this fee, nor cure provided at closing. |  |  |  | Reviewer Comment (2024-09-19): [Redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2024-09-18): Could you please review this one more time this exception? The original binder pages 762 through 769 includes PCCD and Pymt History showing a cure for $[Redacted] for an increase in credit report. see attached documents. |  | 09/19/2024 |  | 2 C B |  | [redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 591897819 |  |  |  | [redacted] |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | The Credit Scores were lower once an updated credit report was pulled on [Redacted]. To use the expanded DTI of [Redacted]% the credit score must have a minimum of [Redacted]. The Borrowers credit score is [Redacted]. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-10-17): System cleared after Lender Exception with Compensating Factors provided.<br>Buyer Comment (2024-10-10): Please see Non Agency Loan Approval attached exception approved for FICO score [Redacted] to be less than the guidelines of [Redacted]<br>Reviewer Comment (2024-10-01): As per the latest credit report borrower credit score is [Redacted] which is not meet the requirement, Exception remains.<br>Buyer Comment (2024-09-27): Could you please kindly review the Credit report attached? Bwr # 1 has 688 with Equifax; [Redacted] with Transunion and [Redacted] with Experian Media score is [Redacted] Points.<br>Reviewer Comment (2024-09-23): Credit score are correctly captured as per latest credit report which shows Fico [Redacted] . minimum fico for [Redacted] is required for expanded DTI. We would require lender exception to accept Fico score below [Redacted] or for expanded DTI of [Redacted]% .Exception remains<br>Buyer Comment (2024-09-19): The Credit was updated on [Redacted] and the mid score was 688 please see the credit report attached. |  |  | 10/17/2024 | 2 C B |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 591897819 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The Credit Scores were lower once an updated credit report was pulled on [Redacted]. To use the expanded DTI of [Redacted]% the credit score must have a minimum of [Redacted]. The Borrowers credit score is [Redacted]. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-10-17): Lender Exception with Compensating Factors provided.<br>Buyer Comment (2024-10-10): Please see Non Agency Loan Approval attached exception approved for FICO score [Redacted] to be less than the guidelines of [Redacted]<br>Reviewer Comment (2024-10-01): As per the latest credit report borrower credit score is [Redacted] which is not meet the requirement, Exception remains.<br>Buyer Comment (2024-09-27): Could you please kindly review the Credit report attached? Bwr # 1 has [Redacted] with Equifax; [Redacted] with Transunion and [Redacted] with Experian Media score is [Redacted] Points.<br>Reviewer Comment (2024-09-23): Credit score are correctly captured as per latest credit report which shows Fico [Redacted] . minimum fico for [Redacted] is required for expanded DTI. We would require lender exception to accept Fico score below [Redacted] or for expanded DTI of [Redacted]% .Exception remains<br>Buyer Comment (2024-09-19): The Credit was updated on [Redacted] and the mid score was 688 please see the credit report attached. |  |  | 10/17/2024 | 2 C B |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 591897819 |  |  |  | [redacted] |  | 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 Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-09-19): Sufficient Cure Provided within 60 Days of Closing |  | 09/19/2024 |  | 1 A |  | [redacted] | 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) B A | Non QM | Non QM | Yes |
|  | 594362850 |  |  |  | [redacted] |  | 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 Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-09-17): Sufficient Cure Provided within 60 Days of Closing |  | 09/17/2024 |  | 1 A |  | [redacted] | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Non QM | Non QM | Yes |
|  | 564984100 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-10-09): [Redacted] received detailed commentary to validate the available COC for change in loan from Home Equity [Redacted]Yr to Refinance [Redacted]Yr.<br>Buyer Comment (2024-10-07): Please see Initial LE attached showing that loan was initially started as Home Equity Loan with a [Redacted] yrs term with a different settlement charges then the next LE dated [Redacted] showed a new loan program as Refi Cash Out and [Redacted] yrs term.<br>Reviewer Comment (2024-10-07): [Redacted] received Changed Circumstance dated [Redacted], but it does not give sufficient information on why the 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.<br>Buyer Comment (2024-10-04): Please see the CD dated [Redacted] and valid COC, proof of delivery, and other documents attached showing that the increase in settlement charges was caused by changes in the loan amount, Loan program, and Loan type, | 10/09/2024 |  |  | 1 C A |  | [redacted] | 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 | Non QM | Non QM | Yes |
|  | 564984100 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The credit report fee increased from $[Redacted] to $[Redacted] without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-10-09): [Redacted] received detailed commentary to validate the available COC for change in loan from Home Equity [Redacted] to Refinance [Redacted]. | 10/09/2024 |  |  | 1 C A |  | [redacted] | 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 | Non QM | Non QM | Yes |
|  | 564984100 |  |  |  | [redacted] |  | 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 - Settlement / Closing / Escrow Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Insufficient or no cure was provided to the borrower. | The Title-Settlement-Closing fee increased from $[Redacted] to $[Redacted] without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-10-09): [Redacted] received detailed commentary to validate the available COC for change in loan from Home Equity [Redacted] to Refinance [Redacted].<br>Buyer Comment (2024-10-07): Please see Initial LE attached showing that loan was initially started as Home Equity Loan with a [Redacted] yrs term with a different settlement charges then the next LE dated [Redacted] showed a new loan program as Refi Cash Out and [Redacted] yrs term.<br>Reviewer Comment (2024-10-07): [Redacted] received Changed Circumstance dated [Redacted], but it does not give sufficient information on why the 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.<br>Buyer Comment (2024-10-04): Please see the CD dated [Redacted] and valid COC, proof of delivery, and other documents attached showing that the increase in settlement charges was caused by changes in the loan amount, Loan program, and Loan type, | 10/09/2024 |  |  | 1 C A |  | [redacted] | 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 | Non QM | Non QM | Yes |
|  | 564984100 |  |  |  | [redacted] |  | 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 - Endorsement Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The Title-Endorsement fee was added in the amount of $[Redacted] without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-10-09): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2024-10-07): Please see Initial LE attached showing that loan was initially started as Home Equity Loan with a [Redacted] yrs term with a different settlement charges then the next LE dated [Redacted] showed a new loan program as Refi Cash Out and [Redacted] yrs term.<br>Reviewer Comment (2024-10-07): [Redacted] received Changed Circumstance dated [Redacted], 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.<br>Buyer Comment (2024-10-04): Please see the CD dated [Redacted] and valid COC, proof of delivery, and other documents attached showing that the increase in settlement charges was caused by changes in the loan amount, Loan program, and Loan type, | 10/09/2024 |  |  | 1 C A |  | [redacted] | 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 | Non QM | Non QM | Yes |
|  | 564984100 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The Title-Examination Fee was added in the amount of $[Redacted] without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-10-09): [Redacted] received detailed commentary to validate the available COC for change in loan from Home Equity [Redacted] to Refinance [Redacted].<br>Buyer Comment (2024-10-07): Please see Initial LE attached showing that loan was initially started as Home Equity Loan with a [Redacted] yrs term with a different settlement charges then the next LE dated [Redacted] showed a new loan program as Refi Cash Out and [Redacted] yrs term.<br>Reviewer Comment (2024-10-07): [Redacted] received Changed Circumstance dated [Redacted], 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.<br>Buyer Comment (2024-10-04): Please see the CD dated [Redacted] and valid COC, proof of delivery, and other documents attached showing that the increase in settlement charges was caused by changes in the loan amount, Loan program, and Loan type, | 10/09/2024 |  |  | 1 C A |  | [redacted] | 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 | Non QM | Non QM | Yes |
|  | 564984100 |  |  |  | [redacted] |  | 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 - Lender's Title Insurance. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The Lender's Title insurance fee was added without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-10-09): [Redacted] received detailed commentary to validate the available COC for change in loan from Home Equity [Redacted] to Refinance [Redacted].<br>Buyer Comment (2024-10-07): Please see Initial LE attached showing that loan was initially started as Home Equity Loan with a [Redacted] yrs term with a different settlement charges then the next LE dated [Redacted] showed a new loan program as Refi Cash Out and [Redacted] yrs term.<br>Reviewer Comment (2024-10-07): [Redacted] received Changed Circumstance dated [Redacted], 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.<br>Buyer Comment (2024-10-04): Please see the CD dated [Redacted] and valid COC, proof of delivery, and other documents attached showing that the increase in settlement charges was caused by changes in the loan amount, Loan program, and Loan type, | 10/09/2024 |  |  | 1 C A |  | [redacted] | 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 | Non QM | Non QM | Yes |
|  | 564984100 |  |  |  | [redacted] |  | 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 - Notary Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | A Notary Fee was added without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-10-09): [Redacted] received detailed commentary to validate the available COC for change in loan from Home Equity [Redacted] to Refinance [Redacted].<br>Buyer Comment (2024-10-07): Please see Initial LE attached showing that loan was initially started as Home Equity Loan with a [Redacted] yrs term with a different settlement charges then the next LE dated [Redacted] showed a new loan program as Refi Cash Out and [Redacted] yrs term.<br>Reviewer Comment (2024-10-07): [Redacted] received Changed Circumstance dated [Redacted], 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.<br>Buyer Comment (2024-10-04): Please see the CD dated [Redacted] and valid COC, proof of delivery, and other documents attached showing that the increase in settlement charges was caused by changes in the loan amount, Loan program, and Loan type, | 10/09/2024 |  |  | 1 C A |  | [redacted] | 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 | Non QM | Non QM | Yes |
|  | 564984100 |  |  |  | [redacted] |  | 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 Flood Certification (Life Of Loan). Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Flood Cert fee increased from $[Redacted] to $[Redacted] without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-10-09): [Redacted] received detailed commentary to validate the available COC for change in loan from Home Equity [Redacted] to Refinance [Redacted]. | 10/09/2024 |  |  | 1 C A |  | [redacted] | 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 | Non QM | Non QM | Yes |
|  | 564984100 |  |  |  | [redacted] |  | 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 Title - Endorsement Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-10-09): Sufficient Cure Provided At Closing |  | 10/09/2024 |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 564984100 |  |  |  | [redacted] |  | 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 Title - Insurance Binder Fee. Fee Amount of $[Redacted]exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-10-09): Sufficient Cure Provided At Closing |  | 10/09/2024 |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 538729443 |  |  |  | [redacted] |  | Compliance | Compliance | State Compliance | State Defect | ([redacted]50(a)(6)) [redacted] Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided Timely) | [Redacted] Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not signed by lender at or before closing. | Lender signed after note date. |  |  |  | Reviewer Comment (2024-10-18): Documentation provided. Cleared.<br>Buyer Comment (2024-10-11): Please see an additional Fair Market Value document attached<br>Reviewer Comment (2024-10-10): Document is in file and signed by borrower and lender however, lender signature was not dated at or before closing it reflects post closing.<br>Buyer Comment (2024-10-03): Could you kindly check page # 456 of the original binder or either your document # 68- D0105 or 68-DO105? The lender and borrower acknowledgment regarding fair market value of homestead property document signed by bwr and lender | 10/18/2024 |  |  | 1 C A |  | [redacted] | 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 B A | Non QM | Non QM | Yes |
|  | 538729443 |  |  |  | [redacted] |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | The maximum LTV for a cash out refinance with credit score of [Redacted] is [Redacted]%. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>Miscellaneous<br>Miscellaneous | Borrower has been on job [Redacted]+ years.<br>Residual income is >$[Redacted].<br>Prior homeownership experience (No FC or Short Sale).<br>Low housing ration of [Redacted]% or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-10-01): Lender exception with compensating factors. |  |  | 10/01/2024 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 538729443 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | The maximum LTV for a cash out refinance with credit score of [Redacted] is [Redacted]%. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>Miscellaneous<br>Miscellaneous | Borrower has been on job [Redacted]+ years.<br>Residual income is >$[Redacted].<br>Prior homeownership experience (No FC or Short Sale).<br>Low housing ration of [Redacted]% or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-10-01): Lender exception with compensating factors. |  |  | 10/01/2024 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 537185484 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  | Reviewer Comment (2024-10-10): Received updated escrow statement.<br>Buyer Comment (2024-10-04): Initial escrow acct disclosure uploaded. | 10/10/2024 |  |  | 1 B A |  | [redacted] | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
|  | 537185484 |  |  |  | [redacted] |  | 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 Monitoring Service. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Monitoring Service. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. No cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-10-14): [Redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2024-10-11): PCCD and payment history reflecting PR uploaded. |  | 10/14/2024 |  | 2 C B |  | [redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 537185484 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed 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 [Redacted]). The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $[Redacted] threshold. | Total payments is under disclosed. |  |  |  | Reviewer Comment (2024-10-25): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD.<br>Buyer Comment (2024-10-24): PCCD, LOE, cure check and proof of delivery uploaded.<br>Reviewer Comment (2024-10-14): [Redacted] received Corrected CD and LOE to borrower. Missing copy of cure refund check to borrower for total underdisclosure of $[Redacted] and proof of mailing to finalize cure. If a cure applied to the principal balance, this is not allowed on a material disclosure violation and must be cured via cure refund check.<br>Buyer Comment (2024-10-11): PCCD and payment history reflecting PR uploaded. |  | 10/25/2024 |  | 2 C B |  | [redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
|  | 537185484 |  |  |  | [redacted] |  | 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 - Recording Service Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Fee exceeds tolerance. |  |  |  | Reviewer Comment (2024-10-14): [Redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2024-10-11): PCCD and payment history reflecting PR uploaded. |  | 10/14/2024 |  | 2 C B |  | [redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 569570597 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2024-10-14): CU score updated, Exception Cleared.<br>Buyer Comment (2024-10-10): Appraisal review CU uploaded. | 10/14/2024 |  |  | 1 D A |  | [redacted] | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
|  | 569570597 |  |  |  | [redacted] |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Hazard Insurance Policy Effective Date [Redacted], Disbursement Date: [Redacted]. Acceptable per guidelines. |  |  |  | Reviewer Comment (2024-10-14): Hazard insurance effective date is prior to the loan disbursement date therefore the exception is cleared.<br>Buyer Comment (2024-10-10): Please note, effective date is prior to disbursement date and reviewer states acceptable per guidelines. Please cancel exception. | 10/14/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
|  | 569570597 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted]incorrectly disclosed whether the loan allows for Partial Payments. | The Final CD does not disclose "Partial Payments" section on page 4. |  |  |  | Reviewer Comment (2024-10-11): [Redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2024-10-10): PCCD, LOE and proof of delivery uploaded. |  | 10/11/2024 |  | 2 C B |  | [redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
|  | 516411388 |  |  |  | [redacted] |  | 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. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Buyer Comment (2024-10-10): Approve |  |  | 10/10/2024 | 2 B |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 516411388 |  |  |  | [redacted] |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | Red flag indicates open on the Fraud Report. |  |  |  | Reviewer Comment (2024-10-23): Cleared report provided, exception cleared.<br>Buyer Comment (2024-10-21): Updated FG uploaded.<br>Reviewer Comment (2024-10-17): Alert time stamped [Redacted] pm has comments but is still reflecting as open.<br>Buyer Comment (2024-10-10): Please reference what has not been addressed. All red flags have been cleared. | 10/23/2024 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 578445682 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  | Reviewer Comment (2024-11-11): Signed disclosure provided, exception cleared.<br>Buyer Comment (2024-11-05): Executed Affiliated Business Arrangement Disclosure uploaded | 11/11/2024 |  |  | 1 B A |  | [redacted] | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 506657386 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | The Post Closing Disclosure issued on [Redacted] reflects the escrow deposit as $[Redacted] and the Initial Escrow disclosure reflects a deposit of $[Redacted]. |  |  |  | Reviewer Comment (2024-11-22): IEAD received, system cleared.<br>Buyer Comment (2024-11-08): IEAD uploaded. | 11/22/2024 |  |  | 1 B A |  | [redacted] | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
|  | 506657386 |  |  |  | [redacted] |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The credit report fee increased from $[Redacted] to $[Redacted] without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-11-11): [Redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2024-11-08): Please see image D0373 PCCD dated [Redacted] reflecting PR issued. Please also see image D0396 payment history reflecting PR. |  | 11/11/2024 |  | 2 C B |  | [redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 506657386 |  |  |  | [redacted] |  | 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 Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-11-11): Sufficient Cure Provided within 60 Days of Closing |  | 11/11/2024 |  | 1 A |  | [redacted] | 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) B A | Non QM | Non QM | Yes |
|  | 589482142 |  |  |  | [redacted] |  | 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 $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | The Recording Fee was increased to $[Redacted] on the Closing Disclosure issued on [Redacted] . The loan file does not contain a Changed Circumstance regarding the increased fee. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-11-11): [Redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2024-11-08): Please refer to image D0358 PCCD dated [Redacted] reflecting PR issued and image D0371 payment history reflecting PR included in part of the initial package uploaded. |  | 11/11/2024 |  | 2 C B |  | [redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 589482142 |  |  |  | [redacted] |  | 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 $[Redacted]exceeds tolerance of $[Redacted]plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-11-11): Sufficient Cure Provided within 60 Days of Closing |  | 11/11/2024 |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Other | 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 A | Non QM | Non QM | Yes |
|  | 537733325 |  |  |  | [redacted] |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Borrower is using business funds for cash to close; file is missing cash flow analysis for business asset or letter from a CPA or borrower verifying withdrawal of funds for the transaction will not have a negative impact on the business. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Residual income > $[Redacted].<br>Low default risk with substantial equity, LTV [Redacted]% lower than matrix.<br>Excellent credit management with FICO [Redacted]+.<br>Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-04-03): CF Update.<br>Reviewer Comment (2025-01-21): Lender exception with compensating factors.<br>Buyer Comment (2025-01-07): CCM exception approval uploaded.<br>Reviewer Comment (2024-11-25): As per guidelines, a letter from a CPA or borrower must be obtained verifying that the withdrawal of funds for the transaction will not have a negative impact on the business. There is no indication that we can use business funds without letter mentioned above for other business account than what we used for qualifying. Kindly provide the CPA letter or cash flow to verify use of business funds. Exception remains.<br>Buyer Comment (2024-11-19): Cash flow analysis is not required as the business assets are from a different business than the account used for income qualifying.<br>Reviewer Comment (2024-11-15): Please provide Cash flow analysis which shows that no negative impact on the business, Exception Remains.<br>Buyer Comment (2024-11-15): Please note, the business funds used for closing are from a separate business than what was used for qualifying. CPA letter addressing ownership of business funds used for closing is sufficient. Withdraw of funds affecting business is not required as it is not the business used for income qualification. |  |  | 01/21/2025 | 2 C B |  | [redacted] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 537733325 |  |  |  | [redacted] |  | 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. | Borrower is using business funds for cash to close; file is missing cash flow analysis for business asset or letter from a CPA or borrower verifying withdrawal of funds for the transaction will not have a negative impact on the business. |  |  |  | Reviewer Comment (2025-01-21): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-01-07): CCM exception approval uploaded.<br>Reviewer Comment (2024-11-27): Guidelines pg 81 do not differentiate that an account not used for income does not require CPA or cash flow analysis.<br>Buyer Comment (2024-11-15): Please note, the business funds used for closing are from a separate business than what was used for qualifying. CPA letter addressing ownership of business funds used for closing is sufficient. Withdraw of funds affecting business is not required as it is not the business used for income qualification. | 01/21/2025 |  |  | 1 B A C |  | [redacted] | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 537733325 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Borrower is using business funds for cash to close; file is missing cash flow analysis for business asset or letter from a CPA or borrower verifying withdrawal of funds for the transaction will not have a negative impact on the business. |  |  |  | Reviewer Comment (2025-01-21): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-01-07): CCM exception approval uploaded.<br>Reviewer Comment (2024-11-27): Guidelines pg 81 do not differentiate that an account not used for income does not require CPA or cash flow analysis.<br>Buyer Comment (2024-11-15): Please note, the business funds used for closing are from a separate business than what was used for qualifying. CPA letter addressing ownership of business funds used for closing is sufficient. Withdraw of funds affecting business is not required as it is not the business used for income qualification. | 01/21/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 537733325 |  |  |  | [redacted] |  | 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. | Borrower is using business funds for cash to close; file is missing cash flow analysis for business asset or letter from a CPA or borrower verifying withdrawal of funds for the transaction will not have a negative impact on the business. |  |  |  | Reviewer Comment (2025-01-21): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-01-07): CCM exception approval uploaded.<br>Reviewer Comment (2024-11-27): Guidelines pg 81 do not differentiate that an account not used for income does not require CPA or cash flow analysis.<br>Buyer Comment (2024-11-15): Please note, the business funds used for closing are from a separate business than what was used for qualifying. CPA letter addressing ownership of business funds used for closing is sufficient. Withdraw of funds affecting business is not required as it is not the business used for income qualification. | 01/21/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 526078841 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] 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 [Redacted]). | The final signed and dated Closing Disclosure reflects a Title-Title Services Lenders Fee in the amount of $[Redacted]. A Title-Service fee is an APR fee and it was not included within the APR Calculations. |  |  |  | Reviewer Comment (2024-12-11): [Redacted] received PCCD LOE, copy of refund check and, proof of delivery.<br>Buyer Comment (2024-12-10): PCCD, LOE, cure check and proof of delivery uploaded. |  | 12/11/2024 |  | 2 C B |  | [redacted] | Second Home | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
|  | 526078841 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[Redacted] 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 $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | The final signed and dated Closing Disclosure reflects a Title-Title Services Lenders Fee in the amount of $[Redacted]. A Title-Service fee is an APR fee and it was not included within the APR Calculations. |  |  |  | Reviewer Comment (2024-12-11): [Redacted] received PCCD, LOE, Copy of refund check and proof of delivery.<br>Buyer Comment (2024-12-10): PCCD, LOE, cure check and proof of delivery uploaded. |  | 12/11/2024 |  | 2 C B |  | [redacted] | Second Home | 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 (required on rescindable transactions) B | Non QM | Non QM | Yes |
|  | 526078841 |  |  |  | [redacted] |  | 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 ___. | The maximum cash-out allowed is $[Redacted] and the Borrower is receiving $[Redacted] cash-out. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Prior Homeownership Experience (No FC or SS).<br>Housing Ratio [Redacted]% or less. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-12-19): Lender Exception with Compensating Factors provided.<br>Buyer Comment (2024-12-13): Updated UPE approved PTC by CCM uploaded.<br>Reviewer Comment (2024-12-10): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: HUD-1 total cash-out of $[Redacted] is greater than Guideline total cash-out of $[Redacted].<br>Reviewer Comment (2024-12-10): Lender Exception does not state what it is for. Exception Comment section empty. Approval states what is making loan ineligible, but not which items are covered by the Lender Exception.<br>Buyer Comment (2024-11-26): UPE approved PTC by CCM uploaded. |  |  | 12/19/2024 | 2 C B |  | [redacted] | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 526078841 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The maximum cash-out allowed is $[Redacted] and the Borrower is receiving $[Redacted] cash-out. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Prior Homeownership Experience (No FC or SS).<br>Housing Ratio [Redacted]% or less. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-12-19): Lender Exception with Compensating Factors provided.<br>Buyer Comment (2024-12-13): Updated UPE approved PTC by CCM uploaded.<br>Reviewer Comment (2024-12-10): Lender Exception does not state what it is for. Exception Comment section empty. Approval states what is making loan ineligible, but not which items are covered by the Lender Exception.<br>Buyer Comment (2024-11-26): UPE approved PTC by CCM uploaded. |  |  | 12/19/2024 | 2 C B |  | [redacted] | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 596411007 |  |  |  | [redacted] |  | 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. | Creditor did not provide a copy of each valuation (Report Date [Redacted]) to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2024-12-12): Delivery provided.<br>Buyer Comment (2024-12-03): Waterfall of [Redacted]. | 12/12/2024 |  |  | 1 B A |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 596411007 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2024-12-04): Received appraisal delivery, Exception cleared.<br>Buyer Comment (2024-12-03): Waterfall of [Redacted]. | 12/04/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 596411007 |  |  |  | [redacted] |  | 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. | Creditor did not provide a copy of each valuation (Report Date [Redacted]) to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2024-12-04): Received appraisal delivery, Exception cleared.<br>Buyer Comment (2024-12-03): Attached internal records showing first version of appraisal was sent to borrower on [Redacted] and update was sent [Redacted]. | 12/04/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 596411007 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed 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 [Redacted]). The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $[Redacted] threshold. | Final Closing Disclosure provided on [Redacted] 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 [Redacted]). The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $[Redacted] threshold. |  |  |  | Reviewer Comment (2025-01-24): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-01-23): Completed cure attached including tracking info, plus revised and executed NORTC. |  | 01/24/2025 |  | 2 C B |  | [redacted] | 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 i(required on rescindable transactions) B | Non QM | Non QM | Yes |
|  | 596411007 |  |  |  | [redacted] |  | 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. | 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. |  |  |  | Buyer Comment (2024-11-27): accept |  |  | 11/27/2024 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
|  | 596411007 |  |  |  | [redacted] |  | 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 revised valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary/[Redacted]) |  |  |  | Reviewer Comment (2024-12-12): Delivery provided. | 12/12/2024 |  |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 596411007 |  |  |  | [redacted] |  | 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 Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-12-04): Sufficient Cure Provided within 60 Days of Closing |  | 12/04/2024 |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Other | 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 A | Non QM | Non QM | Yes |
|  | 586722707 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-11-21): Sufficient Cure Provided At Closing |  | 11/21/2024 |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 586722707 |  |  |  | [redacted] |  | 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. |  |  |  |  | Reviewer Comment (2024-12-12): Documents provided exception clear.<br>Buyer Comment (2024-11-27): Appraisal proof of delivery uploaded. | 12/12/2024 |  |  | 1 B A |  | [redacted] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 507325904 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. |  |  |  | Reviewer Comment (2024-12-30): Exception Cleared - IRA account for [redacted] considered as [Redacted]% usability and exclude from closing.<br>Buyer Comment (2024-12-27): [Redacted] is only utilizing [Redacted]% of the value of the [Redacted] account, which is comprised of stocks. [Redacted]% of the value of these assets should be considered when used for reserves. After correcting for this, reserves are met.<br>Reviewer Comment (2024-12-23): Provided Account statement # [Redacted] #[Redacted] has a negative balance on [Redacted], Require additional asset having positive balance to cover reserves requirement - Exception remains<br>Buyer Comment (2024-12-17): Please see the attached additional bank account statement with $[Redacted]. This is sufficient to meet the reserves requirement. | 12/30/2024 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 507325904 |  |  |  | [redacted] |  | 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. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. |  |  |  | Reviewer Comment (2024-12-30): Exception Cleared - IRA account for [redacted] considered as [Redacted]% usability and exclude from closing.<br>Buyer Comment (2024-12-27): Please see finding [Redacted].<br>Reviewer Comment (2024-12-23): Provided Account statement # [Redacted] #[Redacted] has a negative balance on [Redacted], Require additional asset having positive balance to cover reserves requirement - Exception remains<br>Buyer Comment (2024-12-17): Please see finding [Redacted]. | 12/30/2024 |  |  | 1 B A C |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 507325904 |  |  |  | [redacted] |  | 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. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. |  |  |  | Reviewer Comment (2024-12-30): Exception Cleared - IRA account for [redacted] considered as [Redacted]% usability and exclude from closing.<br>Buyer Comment (2024-12-27): Please see finding [Redacted].<br>Reviewer Comment (2024-12-23): Provided Account statement # [Redacted] Bank #[Redacted] has a negative balance on [Redacted], Require additional asset having positive balance to cover reserves requirement - Exception remains<br>Buyer Comment (2024-12-17): Please see finding [Redacted]. | 12/30/2024 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 566070134 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2025-01-07): PDI provided. Clear. Cleared.<br>Buyer Comment (2024-12-30): Disaster reinspection report uploaded. | 01/07/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 566070134 |  |  |  | [redacted] |  | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  | Evidence of Taxpayer Consent is not provided. |  |  |  | Reviewer Comment (2024-12-29): Documents received, system cleared.<br>Buyer Comment (2024-12-17): 4506 uploaded. | 12/29/2024 |  |  | 1 B A |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 566070134 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  | Reviewer Comment (2024-12-29): Documents received, system cleared.<br>Buyer Comment (2024-12-17): Initial escrow acct disclosure uploaded. | 12/29/2024 |  |  | 1 B A |  | [redacted] | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
|  | 566070134 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-12-24): [Redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2024-12-23): PCCD and payment history reflecting PR uploaded. |  | 12/24/2024 |  | 2 C B |  | [redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 517153442 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Primary full appraisal provided. |  |  |  | Reviewer Comment (2024-12-29): Documents received, system cleared.<br>Buyer Comment (2024-12-17): Appraisal CU uploaded. | 12/29/2024 |  |  | 1 D A |  | [redacted] | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
|  | 517153442 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are overdisclosed. | Final Closing Disclosure reflects No Escrows on page 1, however page 4 Escrow box account section completed instead of will not have escrow box. |  |  |  | Reviewer Comment (2024-12-20): [Redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2024-12-19): PCCD and LOE uploaded. |  | 12/20/2024 |  | 2 C B |  | [redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
|  | 517153442 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed. | Final Closing Disclosure reflects No Escrows on page 1, however page 4 Escrow box account section completed instead of will not have escrow box. |  |  |  | Reviewer Comment (2024-12-20): [Redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2024-12-19): PCCD and LOE uploaded. |  | 12/20/2024 |  | 2 C B |  | [redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
|  | 517153442 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted]incorrectly disclosed whether the loan allows for Partial Payments. | In Final closing Disclosure page 4 Partial Payments section not completed. |  |  |  | Reviewer Comment (2024-12-20): [Redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2024-12-19): PCCD and LOE uploaded. |  | 12/20/2024 |  | 2 C B |  | [redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
|  | 517153442 |  |  |  | [redacted] |  | 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 [Redacted]incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure reflects No Escrows on page 1, however page 4 Escrow box account section completed instead of will not have escrow box. |  |  |  | Reviewer Comment (2024-12-20): [Redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2024-12-19): PCCD and LOE uploaded. |  | 12/20/2024 |  | 2 C B |  | [redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
|  | 517153442 |  |  |  | [redacted] |  | 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 [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure reflects No Escrows on page 1, however page 4 Escrow box account section completed instead of will not have escrow box. |  |  |  | Reviewer Comment (2024-12-20): [Redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2024-12-19): PCCD and LOE uploaded. |  | 12/20/2024 |  | 2 C B |  | [redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
|  | 520701673 |  |  |  | [redacted] |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Lender exception comp factor credit score needs to be corrected to [Redacted]. Representative FICO score of [Redacted] is less than Guideline representative FICO score of [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS)<br>Low housing ratio of [Redacted]% or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-01-23): Lender exception with compensating factors.<br>Buyer Comment (2025-01-13): Revised exception approval uploaded.<br>Reviewer Comment (2025-01-13): Exception remains as page two of exception still states FICO of [Redacted] when the actual FICO score is [Redacted]. Lender exception needs to be corrected to reflect [Redacted] FICO on page two of exception.<br>Buyer Comment (2024-12-26): Please see image D0302 page 2 reflecting underwriting exception approval approved by CCM for FICO requirement. |  |  | 01/23/2025 | 2 C B |  | [redacted] | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
|  | 565143912 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. |  |  |  | Reviewer Comment (2024-12-26): [Redacted] received proof of receipt.<br>Buyer Comment (2024-12-26): Please see image D0282, borrower viewed LE on [Redacted] and [Redacted] is included in the waiting period. | 12/26/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | No Defined Cure B A | Non QM | Non QM | No |
|  | 565143912 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted] . Insufficient or no cure was provided to the borrower. | [Redacted]% tolerance was exceeded by $[Redacted] due to increase of Recording Fee. $[Redacted] No valid COC provided, nor evidence of cure in file. a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2024-12-27): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2024-12-26): PCCD reflecting cure uploaded. | 12/27/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 565143912 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Title - Abstract / Title Search was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2024-12-26): Upon further review consumer within [Redacted]% tolerance requirements.<br>Buyer Comment (2024-12-26): PCCD reflecting fees in Section C and are not subject to a cure. | 12/26/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 565143912 |  |  |  | [redacted] |  | 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 - Attorney Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Title - Attorney Review Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2024-12-26): Upon further review consumer within [Redacted]% tolerance requirements.<br>Buyer Comment (2024-12-26): PCCD reflecting fees in Section C and are not subject to a cure. | 12/26/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 565143912 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Required cash to close plus reserves is $[Redacted] and verified cash to close is $[Redacted]. Assets listed on file 1003 application were verified. |  |  |  | Reviewer Comment (2024-12-30): Reserves requirement met exception cleared.<br>Buyer Comment (2024-12-26): Appraisal invoice reflecting fee paid by cc. Borrower is not short reserves. | 12/30/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 565143912 |  |  |  | [redacted] |  | 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. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Required cash to close plus reserves is $[Redacted] and verified cash to close is $[Redacted]. Assets listed on file 1003 application were verified. |  |  |  | Reviewer Comment (2024-12-30): Reserves requirement met exception cleared.<br>Buyer Comment (2024-12-26): Reserves exception addressed and uploaded. | 12/30/2024 |  |  | 1 B A C |  | [redacted] | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 565143912 |  |  |  | [redacted] |  | 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. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Required cash to close plus reserves is $[Redacted] and verified cash to close is $[Redacted]. Assets listed on file 1003 application were verified. |  |  |  | Reviewer Comment (2024-12-30): Reserves requirement met exception cleared.<br>Buyer Comment (2024-12-26): Reserves exception addressed and uploaded. | 12/30/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 565143912 |  |  |  | [redacted] |  | 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. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/[Redacted]) |  |  |  | Reviewer Comment (2024-12-26): [Redacted] received proof of receipt.<br>Buyer Comment (2024-12-26): Please see image D0283 reflecting initial CD viewed by borrower at least 3 days prior to consummation. | 12/26/2024 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | No Defined Cure B A | Non QM | Non QM | No |
|  | 565143912 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Buyer Comment (2025-01-06): Approve<br>Buyer Comment (2024-12-26): Proof appraisal delivered uploaded. |  |  | 01/06/2025 | 2 B |  | [redacted] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 565143912 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-12-27): Sufficient Cure Provided At Closing |  | 12/27/2024 |  | 1 A |  | [redacted] | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 530189681 |  |  |  | [redacted] |  | 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 Re-Issue Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Credit Report Re-Issue Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-01-13): [Redacted] received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2025-01-09): Completed cure attached. |  | 01/13/2025 |  | 2 C B |  | [redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 530189681 |  |  |  | [redacted] |  | 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 Credit Report Re-Issue Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-01-13): Sufficient Cure Provided within 60 Days of Closing |  | 01/13/2025 |  | 1 A |  | [redacted] | 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) B A | Non QM | Non QM | Yes |
|  | 586251131 |  |  |  | [redacted] |  | 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. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2025-01-14): Documents received, system cleared.<br>Buyer Comment (2025-01-13): Please see attached, appraisal was mailed to the borrower. (Email states emailed but is a typo) Appraisal delivered to the borrower via mail and waiting period is met.<br>Reviewer Comment (2024-12-30): Delivery receipt of appraisal received for appraisal dated [Redacted]. Preliminary appraisal required. Exception remains<br>Buyer Comment (2024-12-27): Appraisal proof of delivery uploaded. | 01/14/2025 |  |  | 1 B A |  | [redacted] | Primary | Refinance - Cash-out - Debt Consolidation | C A | Non QM | Non QM | No |
|  | 586251131 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. |  |  |  | Reviewer Comment (2025-01-14): Documents received, system cleared.<br>Buyer Comment (2025-01-13): Please see attached, appraisal was mailed to the borrower. (Email states emailed but is a typo) Appraisal delivered to the borrower via mail and waiting period is met.<br>Reviewer Comment (2024-12-30): Delivery receipt of appraisal received for appraisal dated [Redacted]. Preliminary appraisal required. Exception remains<br>Buyer Comment (2024-12-27): Appraisal proof of delivery uploaded. | 01/14/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Debt Consolidation | C A | Non QM | Non QM | No |
|  | 586251131 |  |  |  | [redacted] |  | 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. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2025-01-14): Documents received, system cleared.<br>Buyer Comment (2025-01-13): Please see attached, appraisal was mailed to the borrower. (Email states emailed but is a typo) Appraisal delivered to the borrower via mail and waiting period is met.<br>Reviewer Comment (2024-12-30): Delivery receipt of appraisal received for appraisal dated [Redacted]. Preliminary appraisal required. Exception remains<br>Buyer Comment (2024-12-27): Appraisal proof of delivery uploaded. | 01/14/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Debt Consolidation | C A | Non QM | Non QM | No |
|  | 586251131 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Disbursement date after 3 business days from transaction date. |  |  |  | Reviewer Comment (2025-01-14): Documents received, system cleared.<br>Buyer Comment (2024-12-27): Pease note, borrower signed on [Redacted] and loan disbursed on [Redacted]. Waiting period has been met. | 01/14/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
|  | 586251131 |  |  |  | [redacted] |  | 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). | Disbursement date after 3 business days from transaction date. |  |  |  | Reviewer Comment (2025-01-14): Documents received, system cleared.<br>Buyer Comment (2024-12-27): Pease note, borrower signed on [Redacted] and loan disbursed on [Redacted]. Waiting period has been met. | 01/14/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
|  | 588530139 |  |  |  | [redacted] |  | Compliance | Compliance | State Compliance | Misc. State Level | [redacted] CMPA Home Loan Toolkit Status | [Redacted] Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. | Home loan tool kit is missing. |  |  |  | Buyer Comment (2024-12-27): Approve |  |  | 12/27/2024 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 550712258 |  |  |  | [redacted] |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Policy amount is not given on Title Preliminary document. |  |  |  | Reviewer Comment (2025-01-21): Escrow instructions provided, exception cleared.<br>Buyer Comment (2025-01-07): Please see attached, page 2, item 1 specifying title policy amount. | 01/21/2025 |  |  | 1 B A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 550712258 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted] . Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-01-31): [Redacted] received Letter of Explanation, Pay history and Corrected CD.<br>Buyer Comment (2025-01-30): Attached completed cure. |  | 01/31/2025 |  | 2 C B |  | [redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 595758756 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-01-22): Tax verification received and updated. Exception cleared<br>Buyer Comment (2025-01-16): Evidence of taxes uploaded. | 01/22/2025 |  |  | 1 C A |  | [redacted] | Second Home | Purchase | C B A | Non QM | Non QM | No |
|  | 595758756 |  |  |  | [redacted] |  | 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. | Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. |  |  |  | Buyer Comment (2025-01-16): Approve |  |  | 01/16/2025 | 2 B |  | [redacted] | Second Home | Purchase | C B A | Non QM | Non QM | No |
|  | 595758756 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  | Reviewer Comment (2025-01-26): Documents received, system cleared.<br>Buyer Comment (2025-01-16): Please refer to image D0360, page 2 that reflects disclosure included with the initial disclosure package. | 01/26/2025 |  |  | 1 B A |  | [redacted] | Second Home | Purchase | C B A | Non QM | Non QM | No |
|  | 595758756 |  |  |  | [redacted] |  | Compliance | Compliance | State Compliance | State Late Charge | [redacted] Late Charge Percent and Amount Testing | [Redacted] Late Charge: Note late charge amount of $[Redacted] exceeds the state maximum of $[Redacted]. | Note late charge amount of $[Redacted] exceeds the state maximum of $[Redacted]. The Note does contain the statement: In no event will any late charge under this Section 6(A) exceed $[Redacted]. |  |  |  | Buyer Comment (2025-01-16): Approve |  |  | 01/16/2025 | 2 B |  | [redacted] | Second Home | Purchase | C B A | Non QM | Non QM | No |
|  | 521889068 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The file is missing a valid Change of Circumstance for the increase in Discount Points. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-01-03): Sufficient Cure Provided At Closing |  | 01/03/2025 |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 521889068 |  |  |  | [redacted] |  | 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 Re-Issue Fee. Fee Amount of $[Redacted]exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-01-06): Sufficient Cure Provided At Closing |  | 01/06/2025 |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 599524552 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  | Reviewer Comment (2025-01-23): Documents received, system cleared.<br>Buyer Comment (2025-01-13): Please refer to image D0302, page 11 reflecting the disclosure included with initial disclosures. | 01/23/2025 |  |  | 1 B A |  | [redacted] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 581534575 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  | Reviewer Comment (2025-01-28): Exception cleared - Business Narrative is not required.<br>Buyer Comment (2025-01-27): Please clarify what reviewer is requesting. Business narrative is not referenced in guidelines. | 01/28/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 581534575 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Business has been in existence for less than [Redacted] years required by guidelines. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Excellent Credit Management with FICO [Redacted]+ | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-13): Lender Exception with Compensating Factors provided. |  |  | 01/13/2025 | 2 B |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 581534575 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing Business Narrative as required by guidelines. |  |  |  | Reviewer Comment (2025-01-28): Exception cleared - Business Narrative is not required. | 01/28/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 581534575 |  |  |  | [redacted] |  | 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. | Loan Designation discrepancy due to missing business narrative. |  |  |  | Reviewer Comment (2025-01-28): Exception cleared - Business Narrative is not required. | 01/28/2025 |  |  | 1 B A C |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 581534575 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | File is missing Business Narrative as required by guidelines. |  |  |  | Reviewer Comment (2025-01-28): Exception cleared - Business Narrative is not required. | 01/28/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 581534575 |  |  |  | [redacted] |  | 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. | File is missing Business Narrative as required by guidelines. |  |  |  | Reviewer Comment (2025-01-28): Exception cleared - Business Narrative is not required. | 01/28/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 581534575 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide updated asset balance on 1003 for account # [Redacted]. Statement dated [Redacted] reflects $[Redacted] balance. |  |  |  | Reviewer Comment (2025-01-28): Exception cleared - The 1003 balance is dated [Redacted] and we have updated bank statement of balance $[Redacted]. No updated 1003 is require.<br>Buyer Comment (2025-01-27): The difference of $.[Redacted] cents is immaterial and correction is not required. | 01/28/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 564800206 |  |  |  | [redacted] |  | 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 [Redacted] 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. | Flood Insurance was escrowed as reflected on the final signed and dated Closing Disclosure. |  |  |  | Buyer Comment (2025-01-16): Approve<br>Reviewer Comment (2025-01-16): Graded to EV2-B as the Flood Insurance is being disclosed to the consumer, just in the incorrect line item as it should be part of Homeowners insurance, but instead was disclosed under other.<br>Buyer Comment (2025-01-15): Please note, CD reviewer is referencing reflects HOI not escrowed. "Other" HOA/Flood reflects a s "some" escrowed as flood insurance is being escrowed. |  |  | 01/16/2025 | 2 B |  | [redacted] | Primary | Purchase | Good Faith Redisclosure B A | Non QM | Non QM | Yes |
|  | 582388728 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Third party verification is missing for previous business, [Redacted]. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Residual income >$[Redacted].<br>Borrower's own funds used for down payment & closing (No gifts or dpa).<br>Excellent credit management with FICO [Redacted]+.<br>Low default risk with equity, LTV [Redacted]% lower than matrix. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-24): Lender exception with compensating factors.<br>Buyer Comment (2025-01-15): Please refer to image D0205, page 1 & 2 reflecting UPE approved PTC by CCM included with initial file upload. |  |  | 01/24/2025 | 2 C B |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 582388728 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Business has been in existence for less than [Redacted] years and self-employment history is less than the required [Redacted] years. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Residual income >$[Redacted].<br>Borrower's own funds used for down payment & closing (No gifts or dpa).<br>Excellent credit management with FICO [Redacted]+.<br>Low default risk with equity, LTV [Redacted]% lower than matrix. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-24): Lender exception with compensating factors.<br>Buyer Comment (2025-01-15): Please refer to image D0205, page 1 & 2 reflecting UPE approved PTC by CCM included with initial file upload. |  |  | 01/24/2025 | 2 C B |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 582388728 |  |  |  | [redacted] |  | 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. | Business has been in existence for less than [Redacted] years and self-employment history is less than the required [Redacted] years. |  |  |  | Reviewer Comment (2025-01-24): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-01-15): Please refer to image D0205, page 1 & 2 reflecting UPE approved PTC by CCM included with initial file upload. | 01/24/2025 |  |  | 1 B A C |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 582388728 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Business has been in existence for less than [Redacted] years and self-employment history is less than the required [Redacted] years. |  |  |  | Reviewer Comment (2025-01-24): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-01-15): Please refer to image D0205, page 1 & 2 reflecting UPE approved PTC by CCM included with initial file upload. | 01/24/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 582388728 |  |  |  | [redacted] |  | 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. | Business has been in existence for less than [Redacted] years and self-employment history is less than the required [Redacted] years. |  |  |  | Reviewer Comment (2025-01-24): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-01-15): Please refer to image D0205, page 1 & 2 reflecting UPE approved PTC by CCM included with initial file upload. | 01/24/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 564866668 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  | Reviewer Comment (2025-02-19): Documents received, system cleared.<br>Buyer Comment (2025-02-12): Attached is the closing version of the document which appears to match the consummation CD. | 02/19/2025 |  |  | 1 B A |  | [redacted] | Primary | Refinance - Cash-out - Home Improvement | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
|  | 564866668 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-02-27): [Redacted] received LOX for rebuttal response with supporting documents for valid Changed circumstance.<br>Buyer Comment (2025-02-25): Attached.<br>Reviewer Comment (2025-02-21): [Redacted] received snip of email however, from document we are unable to identify the loan number/borrower name/property address to validate the change. Please provide complete snip to validate the COC.<br>Buyer Comment (2025-02-20): Attached is the UW commentary documenting when the information became known to [Redacted]. Disclosure was within the required timeframe. Expiration of an appraisal and recertification in order to comport with guidelines constitute a valid change of circumstance.<br>Reviewer Comment (2025-02-13): [Redacted] received rebuttal comment. However, there seems to be no valid COC in the loan file for the same in ordered to associate the corresponding CD to re-baseline this exception. Provide valid COC for the same or Cure is required to borrower with Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check.<br>Buyer Comment (2025-02-12): The appraisal review fee was disclosed on [Redacted]; the change of circumstance was the extension of the application process. The appraisal was expired and so required this recertification of value in order to comport with guidelines. | 02/27/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Home Improvement | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 564866668 |  |  |  | [redacted] |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-02-21): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-02-20): Guidelines require a soft pull credit report within [Redacted] days of closing. Thus, once the closing date was set the soft pull was ordered and [Redacted] disclosed the fee amount when it became known.<br>Reviewer Comment (2025-02-13): [Redacted] received rebuttal comment. However, there seems to be no valid COC in the loan file for the same in ordered to associate the corresponding CD to re-baseline this exception. Provide valid COC with additional information for the additional credit report fee $[Redacted] added or Cure is required to borrower with Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check.<br>Buyer Comment (2025-02-12): [Redacted] already cured $[Redacted] for the increase to the credit report fee. The additional and separate $[Redacted] credit soft pull fee became known on [Redacted] and was disclosed on [Redacted]; the change of circumstance was the extension of the application process. In order to comply with guidelines, [Redacted] was required to obtain a new soft pull for the delayed closing date. |  | 02/21/2025 |  | 2 C B |  | [redacted] | Primary | Refinance - Cash-out - Home Improvement | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 564866668 |  |  |  | [redacted] |  | 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 Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-02-27): Sufficient Cure Provided within 60 Days of Closing |  | 02/27/2025 |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Home Improvement | 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 A | Non QM | Non QM | Yes |
|  | 504667687 |  |  |  | [redacted] |  | 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. | Appraisal report was emailed on [Redacted]. File is missing evidence of actual receipt three business days prior to closing. |  |  |  | Reviewer Comment (2025-02-07): Appraisal Delivery Report document received, and information updated. Exception Cleared.<br>Buyer Comment (2025-02-06): uploaded appraisal delivery | 02/07/2025 |  |  | 1 B A |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 504667687 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | FACTA Credit Score Disclosure was not provided 3 days after application. |  |  |  | Buyer Comment (2025-02-18): \*<br>Reviewer Comment (2025-02-18): Disclosure received but not provided 3 days after the application.<br>Buyer Comment (2025-02-06): Credit score disc and [Redacted] fair credit reporting disc uploaded |  |  | 02/18/2025 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 504667687 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-02-07): Appraisal Delivery Report document received, and information updated. Exception Cleared.<br>Buyer Comment (2025-02-06): uploaded appraisal delivery | 02/07/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 504667687 |  |  |  | [redacted] |  | 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. | Appraisal report was emailed on [Redacted]. File is missing evidence of actual receipt three business days prior to closing. |  |  |  | Reviewer Comment (2025-02-07): Appraisal Delivery Report document received, and information updated. Exception Cleared.<br>Buyer Comment (2025-02-06): Evidence of appraisal delivery | 02/07/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 501446689 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Final 1003 does not reflect [Redacted] years residential history. Borrower has lived in current address for [Redacted] year and [Redacted] months only. |  |  |  | Reviewer Comment (2025-03-08): Correct 1003 application and rent free letter of explanation provided<br>Buyer Comment (2025-03-05): borrower loe<br>Buyer Comment (2025-03-05): rent free letter with move in date<br>Buyer Comment (2025-03-05): updated 1003 | 03/08/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 501870915 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [Redacted]% tolerance was exceeded by $[Redacted]‬ due to Credit Report Fee. Specific credit of $[Redacted]‬ has been provided as cure at closing. |  |  |  | Reviewer Comment (2025-01-27): Sufficient Cure Provided At Closing |  | 01/27/2025 |  | 1 A |  | [redacted] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 542494620 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | The subject property is located in a FEMA disaster that does not have a declared end date. |  |  |  | Reviewer Comment (2025-02-19): PDI report provided with effective date after disaster declaration date and with no damages reported from disaster.<br>Buyer Comment (2025-02-12): Attached. | 02/19/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 542494620 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 4506-C forms are missing for borrower. |  |  |  | Reviewer Comment (2025-02-07): 4506-C for borrower received and updated .Exception cleared<br>Buyer Comment (2025-02-06): Attached. | 02/07/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 542494620 |  |  |  | [redacted] |  | 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. |  |  |  |  | Reviewer Comment (2025-02-07): 4506-C for borrower received and updated .Exception cleared<br>Buyer Comment (2025-02-06): Waterfall finding? | 02/07/2025 |  |  | 1 B A C |  | [redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 542494620 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Form 4506-C missing from file. |  |  |  | Reviewer Comment (2025-02-07): 4506-C for borrower received and updated .Exception cleared<br>Buyer Comment (2025-02-06): Attached to finding [Redacted]. | 02/07/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 542494620 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Form 4506-Cs missing from file. |  |  |  | Reviewer Comment (2025-02-07): 4506-C for borrower received and updated .Exception cleared<br>Buyer Comment (2025-02-06): Attached to finding [Redacted]. | 02/07/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 542494620 |  |  |  | [redacted] |  | 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. | Form 4506-Cs are missing from file. |  |  |  | Reviewer Comment (2025-02-07): 4506-C for borrower received and updated .Exception cleared<br>Buyer Comment (2025-02-06): Attached to finding [Redacted]. | 02/07/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 542494620 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-02-07): Sufficient Cure Provided At Closing |  | 02/07/2025 |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 522188874 |  |  |  | [redacted] |  | 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. | Appraisal report dated [Redacted] missing evidence of receipt |  |  |  | Reviewer Comment (2025-02-18): Delivery provided, system cleared.<br>Buyer Comment (2025-02-10): Uploaded evidence of appraisal delivery for report dated [Redacted] | 02/18/2025 |  |  | 1 B A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 522188874 |  |  |  | [redacted] |  | 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. | Appraisal report dated [Redacted] missing evidence of receipt |  |  |  | Reviewer Comment (2025-02-24): Documents received, system cleared.<br>Buyer Comment (2025-02-20): Please see email from borrower confirming receipt of appraisal report dated [Redacted]<br>Reviewer Comment (2025-02-18): Delivery provided reflected the same appraisal date. Please provide delivery of the additional appraisal report with an effective date of [Redacted].<br>Buyer Comment (2025-02-10): Appraisal delivery uploaded | 02/24/2025 |  |  | 1 B A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 522188874 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[Redacted] on the Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a Valid change of circumstance for this fee, nor evidence of cure in file |  |  |  | Reviewer Comment (2025-02-26): [Redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-02-25): pccd with cover letter uploaded<br>Buyer Comment (2025-02-25): principal reduction uploaded |  | 02/26/2025 |  | 2 C B |  | [redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 522188874 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was last disclosed as $[Redacted] on the Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a Valid change of circumstance for this fee, nor evidence of cure in file |  |  |  | Reviewer Comment (2025-02-11): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-02-10): Post consummation CD with second appraisal report credit applied | 02/11/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 522188874 |  |  |  | [redacted] |  | 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. | Missing verification of business existence required within [Redacted] business days of<br> closing |  |  |  | Reviewer Comment (2025-02-10): Dated business entity of listing received and updated. Exception cleared.<br>Buyer Comment (2025-02-07): VVOE completed [Redacted] business days prior to closing | 02/10/2025 |  |  | 1 B A C |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 522188874 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing verification of business existence required within [Redacted] business days of<br> closing |  |  |  | Reviewer Comment (2025-02-10): Dated business entity of listing received and updated. Exception cleared.<br>Buyer Comment (2025-02-07): VVOE completed [Redacted] business days prior to closing | 02/10/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 522188874 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing verification of business existence required within [Redacted] business days of closing |  |  |  | Reviewer Comment (2025-02-10): Dated business entity of listing received and updated. Exception cleared.<br>Buyer Comment (2025-02-07): VVOE completed [Redacted] business days prior to closing | 02/10/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 522188874 |  |  |  | [redacted] |  | 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. | Missing verification of business existence required within [Redacted] business days of<br> closing |  |  |  | Reviewer Comment (2025-02-10): Dated business entity of listing received and updated. Exception cleared.<br>Buyer Comment (2025-02-07): VVOE completed [Redacted] business days prior to closing | 02/10/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 522188874 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing verification of business existence required within [Redacted] business days of closing |  |  |  | Reviewer Comment (2025-02-10): Dated business entity of listing received and updated. Exception cleared.<br>Buyer Comment (2025-02-07): VVOE completed [Redacted] business days prior to closing | 02/10/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 522188874 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | Buyer Comment (2025-02-25): accept ev2 grade<br>Reviewer Comment (2025-02-24): Exception remains EV2. Email from borrower (page 741 / D0331) states final appraisal with effective date of [Redacted] and report date of [Redacted] was received on [Redacted] which is prior to final report date of [Redacted] and not three business days prior to consummation date. We have proof of borrower receipt of appraisal with effective date of [Redacted] and report date of [Redacted] per pages 733 and 740 / D0325 and D0331). |  |  | 02/25/2025 | 2 B |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 516073566 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Insufficient or no cure was provided to the borrower. | $[Redacted] violation due to increase in due to increases in Recording Fees and Title - Document Preparation Fee. |  |  |  | Reviewer Comment (2025-03-11): [Redacted] received Letter of Explanation, principal reduction and Corrected CD.<br>Buyer Comment (2025-03-10): Attached cure documentation, cured $[Redacted] total.<br>Reviewer Comment (2025-02-24): [Redacted]: Title - document Preparation fee of $[Redacted] disclosed is in section B of CD and not disclosed any of the LE's and recording fee increase of $[Redacted] from $[Redacted], which causing the fees were exceeds of [Redacted]% tolerance and refund cure required of $[Redacted] (ILE $[Redacted] (recording fee + Guaranty fee) + [Redacted]%($[Redacted]) = $[Redacted] - $[Redacted] FCD (Doc Pre fee + Guaranty fee + recording fee) with cure documents consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check.<br>Buyer Comment (2025-02-20): Please clarify, as initial commentary shows only $[Redacted] needed for cure but reply now states $[Redacted] is needed.<br>Reviewer Comment (2025-02-13): [Redacted] Final CD reflects Cure of $[Redacted]; whereas require cure for [Redacted]% tolerance fees is $[Redacted]. Title Document preparation fee, Recording fee and Title Guaranty fee falls under [Redacted]% tolerance fees. Kindly provide Valid COC or provide Cure Docs. Cure Docs consists of PCCD, LOE, Refund Check and Proof of Mailing.<br>Buyer Comment (2025-02-12): A $16 credit was applied on the Funder CD. |  | 03/11/2025 |  | 2 C B |  | [redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 516073566 |  |  |  | [redacted] |  | 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 - Endorsement Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. The Title - Endorsement Fee increased without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-03-11): [Redacted] received Letter of Explanation, principal reduction and Corrected CD.<br>Buyer Comment (2025-03-10): Cure attached to [Redacted].<br>Reviewer Comment (2025-02-24): [Redacted] received valid rebuttal comment. However, provided COC indicates that Revision requested by the consumer. But there seems to be no supporting document in the loan file for the borrower request to change. 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. along with required QCD documents and to provide information supporting lender's knowledge of when they became aware of the fee or Cure is due to borrower. Otherwise, cure is required to borrower.<br>Buyer Comment (2025-02-20): The title to the subject property was previously held only by coborrower [Redacted], and at application he was not a coborrower on the loan. Rather, the [Redacted] intended to leave [Redacted] as the sole title holder but have [Redacted] as the sole name on the loan. This request was reviewed by operations and internal notes show the request was considered with the possibility of requiring a quit claim deed to [Redacted] recorded prior to closing. Ultimately, [Redacted] signed on to the loan and this became the case as of the [Redacted] disclosure as documented. The vesting was also changed to include [Redacted] on title with this transaction. The structural change to the transaction was the change of circumstance allowing the fee increase.<br>Reviewer Comment (2025-02-13): [Redacted] COC dated [Redacted] states borrower added is not valid reason for increased Title - Endorsement fee. 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 consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-02-12): The title insurance price increased to $[Redacted] on [Redacted] when the coborrower, [Redacted], was added to the transaction. This was the changed circumstance increasing the price of that fee. The fee subsequently decreased, which does not require a cure. |  | 03/11/2025 |  | 2 C B |  | [redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 516073566 |  |  |  | [redacted] |  | 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 - Lender's Title Insurance. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. The Title Insurance Fee increased without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-03-11): [Redacted] received Letter of Explanation, principal reduction and Corrected CD.<br>Buyer Comment (2025-03-10): Cure attached to [Redacted]<br>Reviewer Comment (2025-02-13): [Redacted] COC dated [Redacted] states borrower added is not valid reason for increased Title - Lender title fee. 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 consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-02-12): The title insurance price increased on [Redacted] when the coborrower, [Redacted], was added to the transaction. This was the changed circumstance increasing the price of that fee. |  | 03/11/2025 |  | 2 C B |  | [redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 558961368 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. |  |  |  | Reviewer Comment (2025-10-01): The client accepts as is.<br>Reviewer Comment (2025-05-19): Client accepts as is.<br>Buyer Comment (2025-05-15): Please accept as a level 2<br>Reviewer Comment (2025-05-13): Borrower is still required to receive the notice of being in a flood zone from the lender, exception remains.<br>Buyer Comment (2025-05-09): per correspondent "This is a condo - all condo payments/documents are made through the HOA." |  |  | 10/01/2025 | 2 B |  | [redacted] | Second Home | Refinance - Rate/Term | B A | Non QM | Non QM | No |
|  | 513442271 |  |  |  | [redacted] |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-05-14): Received and associated Title Commitment with title policy amount $[Redacted]. Exception cleared.<br>Buyer Comment (2025-05-13): Please see attached | 05/14/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 513442271 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing 12 month primary housing pay history. |  |  |  | Reviewer Comment (2025-05-27): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-22): 1003 showing no primary housing expense<br>Reviewer Comment (2025-05-20): Please provide updated 1003 showing borrower lives rent free.<br>Buyer Comment (2025-05-16): Rent Free Letter<br>Reviewer Comment (2025-05-15): Please provide corrected final 1003 to reflect borrower living rent free.<br>Buyer Comment (2025-05-13): Please see attached LOX | 05/27/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 513442271 |  |  |  | [redacted] |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing evidence of receipt of the gift funds. |  |  |  | Reviewer Comment (2025-05-27): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-22): Gift funds of $[Redacted] is a combination of EMD of $[Redacted] and Gift Funds listed on Final CD under other credits in the amount of $[Redacted] = $[Redacted].<br> Total cash from borrower $[Redacted] - [Redacted] = $[Redacted] - $[Redacted] ([Redacted] checking) = $[Redacted].<br> Stock account of $[Redacted] - $[Redacted] ([Redacted] months reserves) = $[Redacted] \* [Redacted]% (Guidelines for eligible qualifying assets when using stocks) = $[Redacted].<br> Stocks that can be used for closing is $[Redacted] which is greater than remaining cash needed to close of $[Redacted].<br>Buyer Comment (2025-05-22): Please see LOE document 655 of 658<br>Reviewer Comment (2025-05-20): No new documentation provided.<br>Buyer Comment (2025-05-16): Gift Funds LOX<br>Buyer Comment (2025-05-16): Please see attached support documentation | 05/27/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 597710535 |  |  |  | [redacted] |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-05-28): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-28): Please see title attached showing $[Redacted]<br>Reviewer Comment (2025-05-15): Loan amount still incorrect on title, exception remains.<br>Buyer Comment (2025-05-13): See docs provided | 05/28/2025 |  |  | 1 B A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 597710535 |  |  |  | [redacted] |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | The Hazard Insurance Policy Effective Date is after the note or transaction date. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Over [Redacted]months of reserves | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-23): The client elects to waive.<br>Buyer Comment (2025-05-20): See docs provided<br>Reviewer Comment (2025-05-15): Insurance effective date still after disbursement date, exception remains.<br>Buyer Comment (2025-05-13): See docs provided |  |  | 05/23/2025 | 2 C B |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 514517098 |  |  |  | [redacted] |  | 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. | Third Party Verification of Employment not provided within 10 days |  |  |  | Reviewer Comment (2025-05-30): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-27): See Uploaded 3rd Party Verification of Employment | 05/30/2025 |  |  | 1 B A C |  | [redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
|  | 514517098 |  |  |  | [redacted] |  | 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. | Third Party Verification of Employment not provided within 10 days |  |  |  | Reviewer Comment (2025-05-30): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-27): See Uploaded 3rd Party Verification of Employment | 05/30/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 514517098 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Third Party Verification of Employment not provided within 10 days |  |  |  | Reviewer Comment (2025-05-30): Documentation provided; exception cleared. | 05/30/2025 |  |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 514517098 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception given for Ineligible Borrower as title is currently held in and will continued to be held in a irrevocable trust. Trust documentation in the loan file shows that trust is irrevocable. Borrower is requesting a C/O refinance to payoff ex-spouse remaining alimony as a lump sum payment while also getting approximately $[Redacted]. cash in hand which is being used as reserved at submission. Property is owned free and clear with the only lien on the property is the alimony owed to ex-spouse. Loan was submitted with additional assets listed on the application, but no statements were provided at submission; however, if needed it was disclosed that borrower has over [Redacted] in non-trust assets. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted]points. | [Redacted] months reserves<br>LTV/CLTV is [Redacted]% below guideline max.<br>LTV/CLTV is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-27): Lender exception in file.<br>Buyer Comment (2025-05-23): Approve Exception As-Is<br>Buyer Comment (2025-05-23): Approve Exception As Is, See uploaded Attorney Trust Review letter and Approved Exception. |  |  | 05/27/2025 | 2 C B |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 514517098 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Collateral Desktop Analysis was not disclosed on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-06-10): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-06-09): Curative docs attached<br>Reviewer Comment (2025-06-02): [Redacted] Received COC dated [Redacted] does not provide sufficient information for addition of Program participation fee. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/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>Buyer Comment (2025-05-30): See Uploaded CoC<br>Reviewer Comment (2025-05-28): [Redacted] received Changed Circumstance dated [Redacted], but the reason mentioned is not a valid on why the Program Participation 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>Buyer Comment (2025-05-27): See uploaded COCs, CDs and LEs |  | 06/10/2025 |  | 2 C B |  | [redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 558947007 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-30): Upon further review, sufficient cure provided at closing.<br>Buyer Comment (2025-05-29): A cure was given on the final CD (see attached page 2). With the [Redacted]% tolerance, the allowed amount charged was $[Redacted] - what was charged is $[Redacted] a credit was given for the increase above [Redacted]% in section J for the difference in the amount of $[Redacted]. | 05/30/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 558947007 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-30): Sufficient Cure Provided At Closing |  | 05/30/2025 |  | 1 A |  | [redacted] | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 548267582 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception granted for HOI expiring less than 60 days from closing. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-05-28): Lender exception in file. |  |  | 05/28/2025 | 2 B |  | [redacted] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 526610995 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing current year Tax Cert. |  |  |  | Reviewer Comment (2025-07-23): Received and associated Tax verification for the property at [Redacted]. Exception cleared.<br>Seller Comment (2025-07-21): See attached [Redacted] property taxes | 07/23/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 561636061 |  |  |  | [redacted] |  | 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 CD dated [Redacted] Issued less than 6 days prior to closing and received by the borrower less than 3 business days prior to closing date of [Redacted]. |  |  |  | Reviewer Comment (2025-07-25): [Redacted] received evidence for initial CD.<br>Seller Comment (2025-07-23): [Redacted] - Entered comments in [Redacted]. Uploaded LOX with snipits - Doc Magic eSign Console shows borrower viewed Initial CD issued [Redacted] on [Redacted], which at least three (3) business days prior to closing on [Redacted]. There is no timing violation - please review and clear. | 07/25/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 567843286 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | FTI using short term rental income on [Redacted], lender exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted]. | [Redacted] months reserves | Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-17): Lender exception in file. |  |  | 07/17/2025 | 2 B |  | [redacted] | Investment | Purchase | B A |  | N/A | No |
|  | 507876836 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for use of gift funds with [Redacted] < [Redacted]. | Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted]points. | LTV is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-18): Lender exception in file. |  |  | 07/18/2025 | 2 B |  | [redacted] | Investment | Purchase | B A |  | N/A | No |
|  | 564244746 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA verification document is missing to show expenses. |  |  |  | Reviewer Comment (2025-08-07): Received and associated Vacation Rental Income Statement for "[Redacted]". Exception Cleared.<br>Seller Comment (2025-08-05): Waterfall to [Redacted]<br>Seller Comment (2025-08-05): See attached [Redacted] listing and income receipt from [Redacted] to [Redacted]. Please cancel.<br>Reviewer Comment (2025-08-04): Please provide lease agreement for "[Redacted]". Exception remains.<br>Seller Comment (2025-07-31): See attached HOA dues documentation. Please cancel. | 08/07/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 564244746 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-08-07): Received and associated Vacation Rental Income Statement for "[Redacted]". Exception Cleared. | 08/07/2025 |  |  | 1 B A C |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | 564244746 |  |  |  | [redacted] |  | 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. | Unable to verify Real Estate Owned income ([Redacted]% Method) using reasonably reliable third-party records. |  |  |  | Reviewer Comment (2025-08-07): Received and associated Vacation Rental Income Statement for "[Redacted]". Exception Cleared.<br>Seller Comment (2025-08-05): Waterfall to [Redacted] | 08/07/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 554909758 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to allow title vesting in a layered entity where borrower is [Redacted]% owner while her father and mother/family are the other [Redacted]% owners through their entity. Approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves<br>LTV is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-23): Lender exception in file. |  |  | 07/23/2025 | 2 B |  | [redacted] | Investment | Purchase | B A |  | N/A | No |
|  | 580142449 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing 12 month pay history for primary. |  |  |  | Reviewer Comment (2025-08-13): Documentation provided; exception cleared.<br>Seller Comment (2025-08-11): See attached Credit Supplements showing borrowers pay history for [Redacted]. Please cancel | 08/13/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 564348317 |  |  |  | [redacted] |  | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | Closing Disclosure dated [Redacted] reflects a signed date of [Redacted]. |  |  |  | Reviewer Comment (2025-10-01): The client accepts as is.<br>Reviewer Comment (2025-08-05): Client accepts as is.<br>Seller Comment (2025-08-01): [Redacted] - Client accepts as is.<br>Reviewer Comment (2025-07-30): [Redacted] 50(a)(6) was met, and the dates on the CD must reflect the actual dates. This exception cannot be cured and can only be accepted as is. Backdating is not allowed for TRID.<br>Seller Comment (2025-07-30): [Redacted] - Entered comments in [Redacted]. Uploaded Lender Attestation advising - In accordance with [Redacted] Section 50(a)(6) requirements, [Redacted] is obligated to provide verifiable proof that the final Closing Disclosure (CD) and Form 1003 were delivered to the borrower no less than [Redacted] hours prior to closing. To satisfy the requirement, the Closing Disclosure reflects a closing date of [Redacted]; however, it was issued and signed by the borrower on [Redacted], which meets the [Redacted]-hour delivery requirement in full compliance with [Redacted] 50(a)(6) guidelines. |  |  | 10/01/2025 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 588856566 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to allow waiver on a Non HPML loan with less than a [Redacted] FICO score. Approval in File. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-28): The client elects to waive. |  |  | 07/28/2025 | 2 B |  | [redacted] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 517533680 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide a copy of the tax agent's (CPA) credentials as the ones in the file are cut off. |  |  |  | Reviewer Comment (2025-08-06): Documentation provided; exception cleared.<br>Seller Comment (2025-08-04): See attached CPA verification report. Please cancel | 08/06/2025 |  |  | 1 C A |  | [redacted] | Second Home | Purchase | C A | Non QM | Non QM | No |
|  | 578776023 |  |  |  | [redacted] |  | 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 $[Redacted]exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-25): Sufficient Cure Provided At Closing |  | 07/25/2025 |  | 1 A |  | [redacted] | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 578776023 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of ___ is greater than Guideline maximum loan amount of ___. | Note loan amount of $[Redacted] is greater than Guideline maximum loan amount of $[Redacted]. Lender exception for $[Redacted] loan amount with max [Redacted]% LTV. Loan must be locked prior to or within [Redacted] business days of the approval date. Exception approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Over [Redacted] months of reserves | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-29): The client elects to waive. |  |  | 07/29/2025 | 2 B |  | [redacted] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 576826300 |  |  |  | [redacted] |  | Compliance | Compliance | State Compliance | Misc. State Level | [redacted] Counseling Agencies Disclosure Not in File | [Redacted] - No evidence of required counseling disclosure language per [Redacted]. | No evidence of required counseling disclosure language per [Redacted]. |  |  |  | Reviewer Comment (2025-10-01): The client accepts as is<br>Reviewer Comment (2025-07-31): The client accepts this as is.<br>Seller Comment (2025-07-30): [Redacted] - Entered comments in [Redacted]. Client accepts as is. |  |  | 10/01/2025 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 576826300 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-25): Sufficient Cure Provided At Closing |  | 07/25/2025 |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 576826300 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for exceeding the maximum number of [Redacted] in past [Redacted] months. Contingent upon max [Redacted]% DTI and at least [Redacted] months reserves. Approval in file. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Disposable Income: $[Redacted] | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-29): The client elects to waive. |  |  | 07/29/2025 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 521120706 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  |  |  |  |  | Reviewer Comment (2025-08-11): PDI was in the file<br>Seller Comment (2025-08-06): FEMA Inspection is located on pages 1246-1252 in [Redacted] and the inspection was completed on [Redacted] after the FEMA Disaster occurred. Please cancel | 08/11/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 521120706 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2025-08-20): [Redacted] received PCCD, LOE, proof of mailing & copy of refund check<br>Seller Comment (2025-08-19): Uploaded Revised LOX issued [Redacted], Revised PCCD issued [Redacted] & [Redacted] Proof of Mailing. The LOX & PCCD issued [Redacted] referenced and disclosed the $[Redacted] tolerance cure on Page 3, Section K - the tolerance cure was correctly disclosed on Page 2, Section J per the revised PCCD issued [Redacted] with LOX to borrower.<br>Seller Comment (2025-08-19): [Redacted] - Entered comments in [Redacted]. Uploaded LOX, PCCD, Copy of Refund Check in the amount of $[Redacted] from broker to remedy tolerance cure for credit report fee, Copy of Refund Check from [Redacted] in the amount of $[Redacted] to remedy tolerance cure for Appraisal Re-Cert Fee, UPS Shipping Label & UPS Proof of Delivery on [Redacted]. |  | 08/20/2025 |  | 2 C B |  | [redacted] | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 521120706 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [Redacted] | SitusAMC | Reviewer Comment (2025-08-20): Property inspected after declaration date, prior to end date. |  |  | 08/20/2025 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 517643461 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-30): Sufficient Cure Provided At Closing |  | 07/30/2025 |  | 1 A |  | [redacted] | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 561719326 |  |  |  | [redacted] |  | 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 Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-01): Sufficient Cure Provided At Closing |  | 08/01/2025 |  | 1 A |  | [redacted] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 504349710 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Single entry ownership on a non-warrantable condo exceeds [Redacted]% by an add'l [Redacted]%, lender exception in file. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<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 [Redacted] points. | $[Redacted]residual income.<br>[Redacted] months reserves<br>The LTV/CLTV is [Redacted]% below guideline max.<br>The LTV/CLTV is [Redacted]% below guideline max.<br>The DTI is [Redacted]% below guideline max.<br>The fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-08-05): Lender exception in file. |  |  | 08/05/2025 | 2 B |  | [redacted] | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 504349710 |  |  |  | [redacted] |  | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Delayed Financing: Subject loan did not close within the required time-frame (vs. previous transaction), per guideline requirements. |  | The subject loan did not close within [Redacted] months of the original purchase date and disbursement date of subject loan. |  |  |  | Reviewer Comment (2025-08-19): Client changed loan program to cash out.<br>Reviewer Comment (2025-08-18): Provide updated rate lock and updated lender exception reflecting cash out, lender exception in file reflects R/T and states loan must be locked prior to or within 10 business days of the approval date or lender exception is no longer valid.<br>Seller Comment (2025-08-14): Corrected 1008, this should have been a cash out given timing | 08/19/2025 |  |  | 1 C A |  | [redacted] | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 530093741 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  | Reviewer Comment (2025-06-25): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-23): See docs provided | 06/25/2025 |  |  | 1 D A |  | [redacted] | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 530093741 |  |  |  | [redacted] |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing asset documentation. |  |  |  | Reviewer Comment (2025-06-25): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-23): See docs provided | 06/25/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 530093741 |  |  |  | [redacted] |  | 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 calculated dti exceeds [Redacted]%. Also, missing asset documentation. |  |  |  | Reviewer Comment (2025-07-02): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-30): Lease is not required - rental was calculated using the tax returns that were provided.<br>Reviewer Comment (2025-06-30): Missing lease agreement for [Redacted]. EMD unsourced.<br>Buyer Comment (2025-06-27): See REO docs<br>Reviewer Comment (2025-06-25): Missing lease agreement for [Redacted].<br>Buyer Comment (2025-06-23): See docs provided | 07/02/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 530093741 |  |  |  | [redacted] |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | Missing asset documentation. |  |  |  | Reviewer Comment (2025-06-25): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-23): See docs provided | 06/25/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 530093741 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Tax, Insurance and HOA verifications. |  |  |  | Reviewer Comment (2025-06-25): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-23): See docs provided | 06/25/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 530093741 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Tax, Insurance and HOA verifications. Missing Lease agreement. |  |  |  | Reviewer Comment (2025-07-02): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-30): Lease is not required - rental was calculated using the tax returns that were provided.<br>Reviewer Comment (2025-06-30): Missing lease agreement for [Redacted].<br>Buyer Comment (2025-06-27): See REO docs<br>Reviewer Comment (2025-06-25): Missing lease agreement for [Redacted].<br>Reviewer Comment (2025-06-25): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: HOA Verification, Insurance Verification, Lease Agreement, Tax Verification<br>Buyer Comment (2025-06-23): See docs provided | 07/02/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 530093741 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Tax, Insurance and HOA verifications. Missing Mortgage statements for liens on property. |  |  |  | Reviewer Comment (2025-06-30): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-26): See insurance provided<br>Reviewer Comment (2025-06-25): Missing insurance verification for [Redacted].<br>Reviewer Comment (2025-06-25): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: HOA Verification, Insurance Verification, Statement, Tax Verification<br>Buyer Comment (2025-06-23): See docs provided | 06/30/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 530093741 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2025-06-20): Received and associated Hazard Insurance Policy and Replacement Cost Estimator. Exception cleared.<br>Buyer Comment (2025-06-18): See docs provided | 06/20/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 530093741 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Missing asset documentation to verify sufficient reserves to exclude monthly [Redacted] payment. Also, missing Lease agreement for [Redacted]. |  |  |  | Reviewer Comment (2025-07-02): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-30): Lease is not required - rental was calculated using the tax returns that were provided.<br>Reviewer Comment (2025-06-30): Missing lease agreement for [Redacted].<br>Buyer Comment (2025-06-27): See REO docs<br>Reviewer Comment (2025-06-25): Missing lease agreement for [Redacted].<br>Reviewer Comment (2025-06-25): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%.<br>Buyer Comment (2025-06-23): See docs provided | 07/02/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 530093741 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Missing asset documentation to verify sufficient reserves to exclude monthly [Redacted] payment. Also, missing Lease agreement for [Redacted]. |  |  |  | Reviewer Comment (2025-06-25): Asset documentation provided.<br>Buyer Comment (2025-06-23): See docs provided | 06/25/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 530093741 |  |  |  | [redacted] |  | 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 [Redacted]%, insufficient assets for reserves, and missing lease agreement for [Redacted]. |  |  |  | Reviewer Comment (2025-07-02): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-30): Lease is not required - rental was calculated using the tax returns that were provided.<br>Reviewer Comment (2025-06-30): Missing lease agreement for [Redacted].<br>Buyer Comment (2025-06-27): See REO docs<br>Reviewer Comment (2025-06-25): Missing lease agreement for [Redacted].<br>Buyer Comment (2025-06-23): See docs provided | 07/02/2025 |  |  | 1 B A C |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 530093741 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing rental history for current primary. |  |  |  | Reviewer Comment (2025-06-30): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-26): Please see bank statements involved. Each one shows the payments for the lease. The lease was previously provided and you can see the $[Redacted] initial payment on the [Redacted] statement for the first and last month and security deposit as well.<br>Reviewer Comment (2025-06-25): [Redacted] payment received, missing remaining rental history.<br>Buyer Comment (2025-06-23): See docs provided | 06/30/2025 |  |  | 1 A |  | [redacted] | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 530093741 |  |  |  | [redacted] |  | 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 [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Missing lease agreement for [Redacted]. |  |  |  | Reviewer Comment (2025-07-02): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-30): Lease is not required - rental was calculated using the tax returns that were provided.<br>Reviewer Comment (2025-06-30): Missing lease agreement for [Redacted].<br>Buyer Comment (2025-06-27): See REO docs | 07/02/2025 |  |  | 1 A |  | [redacted] | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 595357751 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Gift Funds of $[Redacted]. were used to qualify. Evidence of transfer of funds was not provided. |  |  |  | Reviewer Comment (2025-07-14): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-10): See docs provided<br>Reviewer Comment (2025-07-10): Unable to determine what amount was wired to title for subject, exception remains.<br>Buyer Comment (2025-07-08): Gift evidence uploaded<br>Buyer Comment (2025-07-08): Gift evidence attached | 07/14/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 595357751 |  |  |  | [redacted] |  | 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 loan is an ATR Risk due to missing asset documentation. Gift Funds of $[Redacted]. were used to qualify. Evidence of transfer of funds was not provided. |  |  |  | Reviewer Comment (2025-07-14): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-10): See docs provided | 07/14/2025 |  |  | 1 B A C |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 595357751 |  |  |  | [redacted] |  | 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 loan is an ATR Risk due to missing asset documentation. Gift Funds of $[Redacted]. were used to qualify. Evidence of transfer of funds was not provided. |  |  |  | Reviewer Comment (2025-07-14): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-10): See docs provided<br>Reviewer Comment (2025-07-10): Unable to determine what amount was wired to title for subject, exception remains.<br>Buyer Comment (2025-07-08): Gift evidence uploaded | 07/14/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 595357751 |  |  |  | [redacted] |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $[Redacted] is less than Cash From Borrower $[Redacted]. Gift Funds of $[Redacted]. were used to qualify. Evidence of transfer of funds was not provided. |  |  |  | Reviewer Comment (2025-07-14): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-10): See docs provided<br>Reviewer Comment (2025-07-10): Unable to determine what amount was wired to title for subject, exception remains.<br>Buyer Comment (2025-07-08): Gift evidence uploaded | 07/14/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 585630452 |  |  |  | [redacted] |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing CPA letter that states use of business funds will not negatively impact businesses. |  |  |  | Reviewer Comment (2025-07-14): Received and associated Cash Flow analysis and LOE from Borrower. Sufficient assets for closing verified. Exception cleared.<br>Buyer Comment (2025-07-14): LOE from Borrower<br>Buyer Comment (2025-07-11): Cash flow analysis<br>Reviewer Comment (2025-07-11): Received document does not mentioned use of business funds will not have a negative impact on the business. Please Provide "Cash flow analysis and Borrower letter OR CPA Letter" that stating use of business funds will not have a negative impact on the business. Exception remains<br>Buyer Comment (2025-07-09): LOE | 07/14/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 585630452 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Please provide additional asset document to meet PITIA Reserves Months, as per current asset [Redacted] months available but as per guidelines [Redacted] months required. Exception remains. |  |  |  | Reviewer Comment (2025-07-16): Documentation provided; exception cleared. | 07/16/2025 |  |  | 1 A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 552974262 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation. |  |  |  | Reviewer Comment (2025-07-16): Received secondary valuation CDA with value $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-07-14): CDA supporting value. | 07/16/2025 |  |  | 1 D A |  | [redacted] | Primary | Purchase | D B A C | Non QM | Non QM | No |
|  | 552974262 |  |  |  | [redacted] |  | 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 $-[Redacted]exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The COC provided does not give a valid reason for lender credit decrease. |  |  |  | Reviewer Comment (2025-07-18): [Redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-07-17): TRID cure docs attached<br>Reviewer Comment (2025-07-17): [Redacted] received rebuttal comment and as per COC dated [Redacted] the lender credit reduced due to realtor rebate disclosed last minutes. However, reason provided is not sufficient to understand how pricing changed due to realtor rebate. Please provide more information to validate the reason or cure would be required.<br>Buyer Comment (2025-07-16): Lender credit reduced because all closing costs were covered with credits between lender and realtor. Borrower only brought remaining down payment to closing. |  | 07/18/2025 |  | 2 C B |  | [redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 567462621 |  |  |  | [redacted] |  | 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 [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Most Recent Tax Returns missing in file. |  |  |  | Reviewer Comment (2025-10-01): The client accepts as is<br>Reviewer Comment (2025-07-18): Client accepts as is.<br>Buyer Comment (2025-07-16): Accepted as is: Tax returns in file for [Redacted]. Tax extension was filed timely for [Redacted] and prior to closing. |  |  | 10/01/2025 | 2 B |  | [redacted] | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 559045194 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  |  |  |  |  | Reviewer Comment (2025-07-21): Received and associated The Work Number - Employment Only for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-07-17): See docs provided | 07/21/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 562407052 |  |  |  | [redacted] |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-07-22): Documentation provided; exception cleared. | 07/22/2025 |  |  | 1 A |  | [redacted] | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 562407052 |  |  |  | [redacted] |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  | Reviewer Comment (2025-07-22): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-18): title attached | 07/22/2025 |  |  | 1 B A |  | [redacted] | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 501442923 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-07-17): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-15): See appraisal delivery | 07/17/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 501442923 |  |  |  | [redacted] |  | 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. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-07-17): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-15): See appraisal delivery | 07/17/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 501442923 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide explanation for the different names of the business entities. [Redacted]. reflects inactive, and opened [Redacted]. [Redacted]. reflects active but opened [Redacted]. Also, verify correct name of entity being used to qualify. |  |  |  | Reviewer Comment (2025-07-21): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-17): see docs provided | 07/21/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 501442923 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide wire, or donor check for the gift funds of $[Redacted] provided to title company. |  |  |  | Reviewer Comment (2025-07-17): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-16): proof of gift uploaded | 07/17/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 501999874 |  |  |  | [redacted] |  | 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 [Redacted] disclosed an inaccurate APR of [Redacted]% compared to the actual APR at consummation of [Redacted]% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | Most recent Closing Disclosure received at least 3 days prior to closing dated [Redacted] disclosed an inaccurate APR of [Redacted]% compared to the actual APR at consummation of [Redacted]% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2025-07-18): Within tolerance with odd days interest ignored for purposes of calculating APR as permitted under [Redacted](c)<br>Buyer Comment (2025-07-17): [Redacted] CD and COC<br>Buyer Comment (2025-07-17): [Redacted] CD with tracking details<br>Reviewer Comment (2025-07-15): [Redacted](f)(1)(i) and (ii) require that the consumer receives accurate disclosures with the actual terms of the transaction at least three (3) specific/precise business days prior to consummation. If the APR disclosed on the initial CD becomes inaccurate as defined under [Redacted], revised disclosures with an 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 ([Redacted]%) changed more than the [Redacted]%(regular transaction) threshold compared to the actual/calculated APR at consummation ([Redacted]%) and a revised disclosure with accurate APR was not received by the consumer at least 3 business days prior to consummation. | 07/18/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C A | Non QM | Non QM | No |
|  | 501999874 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | Corrected Closing Disclosure provided on or after [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation |  |  |  | Reviewer Comment (2025-07-18): [Redacted] received updated CD dated [Redacted].<br>Buyer Comment (2025-07-17): Documents uploaded to [Redacted] | 07/18/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C A | Non QM | Non QM | No |
|  | 591602605 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing evidence of receipt of proceeds from sale of home. |  |  |  | Reviewer Comment (2025-07-24): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-22): See docs provided | 07/24/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 591602605 |  |  |  | [redacted] |  | 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. | Missing evidence of receipt of proceeds from sale of home, resulting in insufficient assets for reserves. |  |  |  | Reviewer Comment (2025-07-24): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-22): See docs provided | 07/24/2025 |  |  | 1 B A C |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 591602605 |  |  |  | [redacted] |  | 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. | Missing evidence of receipt of proceeds from sale of home, resulting in insufficient assets for reserves. |  |  |  | Reviewer Comment (2025-07-24): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-22): See docs provided | 07/24/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 591602605 |  |  |  | [redacted] |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing evidence of receipt of proceeds from sale of home. |  |  |  | Reviewer Comment (2025-07-24): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-22): See docs provided | 07/24/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 518375301 |  |  |  | [redacted] |  | 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. | Closing Disclosure not provided to Borrower at least three business days prior to closing. |  |  |  | Reviewer Comment (2025-07-18): [Redacted] received initial CD.<br>Buyer Comment (2025-07-17): Uploaded Initial CD | 07/18/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
|  | 534222983 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-17): Sufficient Cure Provided At Closing |  | 07/17/2025 |  | 1 A |  | [redacted] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 534222983 |  |  |  | [redacted] |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-17): Sufficient Cure Provided At Closing |  | 07/17/2025 |  | 1 A |  | [redacted] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 534222983 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing Rent Free Letter for [Redacted]. |  |  |  | Reviewer Comment (2025-07-23): Received and associated Rent Free Letter. Exception Cleared.<br>Buyer Comment (2025-07-21): uploaded<br>Buyer Comment (2025-07-19): rent free letter attached | 07/23/2025 |  |  | 1 C A D |  | [redacted] | Primary | Purchase | D A | Non QM | Non QM | No |
|  | 535823393 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to allow supplemental asset utilization subject to: Proceeds from sale of current primary in the amount of $[Redacted] must be placed in a 6 month CD with the [redacted] on the same day of closing of the subject property. Other reserves must remain at 24 months and DTI not to exceed [Redacted]% and max LTV of [Redacted]%. Approval in file. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [Redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | $[Redacted] residual income.<br>[Redacted] months reserves | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-22): Lender exception in file.<br>Buyer Comment (2025-07-18): Accept exception As-IS, See uploaded Exception Approval |  |  | 07/22/2025 | 2 C B |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 535823393 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Evidence of deposit of $[Redacted] in a [Redacted] month CD with the [Redacted] was not provided and is required as a condition of a Lender approved exception in file. |  |  |  | Reviewer Comment (2025-07-22): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-18): See uploaded verification of CD Deposit<br>Buyer Comment (2025-07-18): See uploaded CD Deposit | 07/22/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 563956723 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-16): Sufficient Cure Provided At Closing |  | 07/16/2025 |  | 1 A |  | [redacted] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 563956723 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing [Redacted] Business Narrative or a similar form |  |  |  | Reviewer Comment (2025-07-23): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-21): narrative uploaded | 07/23/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 563956723 |  |  |  | [redacted] |  | 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. |  |  |  |  | Reviewer Comment (2025-07-23): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-21): This is an access alt income non qm product | 07/23/2025 |  |  | 1 B A C |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 563956723 |  |  |  | [redacted] |  | 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. | Missing [Redacted] Business Narrative or a similar form |  |  |  | Reviewer Comment (2025-07-23): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-21): narrative uploaded | 07/23/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 546300618 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of HOA Verification |  |  |  | Reviewer Comment (2025-07-25): Received and associated HOA Verification for the property at [Redacted]. Exception cleared.<br>Buyer Comment (2025-07-23): See docs provided | 07/25/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | D A | Non QM | Non QM | No |
|  | 546300618 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Purchase Agreement / Sales Contract is missing |  |  |  | Reviewer Comment (2025-07-25): Received and associated Purchase Agreement / Sales Contract. Exception Cleared.<br>Buyer Comment (2025-07-23): See docs provided | 07/25/2025 |  |  | 1 D A |  | [redacted] | Primary | Purchase | D A | Non QM | Non QM | No |
|  | 524462099 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing complete [Redacted] months bank statements by [Redacted] days in [Redacted], lender exception in file. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted]residual income.<br>[Redacted] months reserves<br>Dti is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-18): Lender exception in file. |  |  | 07/18/2025 | 2 B |  | [redacted] | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 508807828 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing a copy of Business Narrative. |  |  |  | Reviewer Comment (2025-07-24): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-22): See business narrative provided | 07/24/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 508807828 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to missing Business Narrative for Bank statement income. |  |  |  | Reviewer Comment (2025-07-24): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-22): See business narrative provided | 07/24/2025 |  |  | 1 B A C |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 508807828 |  |  |  | [redacted] |  | 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. | Waterfall due to missing Business Narrative for Bank statement income. |  |  |  | Reviewer Comment (2025-07-24): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-22): See business narrative provided | 07/24/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 511311032 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | One business open for [Redacted] months, lender exception in file. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted]K residual income<br>[Redacted]months reserves<br>DTI is [Redacted]% below guideline max.<br>Fico is [Redacted]points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-20): Lender exception in file. |  |  | 07/20/2025 | 2 B |  | [redacted] | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 592851231 |  |  |  | [redacted] |  | 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 [Redacted] 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 Loan Estimate dated [Redacted] was electronically provided prior to borrower's consent to receive electronic disclosures. |  |  |  | Reviewer Comment (2025-07-25): [Redacted] received disclosure tracking suffice<br>Buyer Comment (2025-07-23): see e-consent in tracking | 07/25/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 569419312 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-07-25): [Redacted] received valid COC dated [Redacted]<br>Buyer Comment (2025-07-24): COC | 07/25/2025 |  |  | 1 C A |  | [redacted] | 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 | Non QM | Non QM | Yes |
|  | 550037429 |  |  |  | [redacted] |  | 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 (2025-07-24): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-22): See uploaded final LE and Rate lock confirmation | 07/24/2025 |  |  | 1 B A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 550037429 |  |  |  | [redacted] |  | 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. | Closing Disclosure not provided to Borrower at least three business days prior to closing. |  |  |  | Reviewer Comment (2025-07-23): [Redacted] received CD dated [Redacted]<br>Buyer Comment (2025-07-22): See Uploaded Initial CD | 07/23/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
|  | 550037429 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a corrected CD that reflects funds for borrower on page 3, currently it reflects $[Redacted] which is incorrect. |  |  |  | Reviewer Comment (2025-07-28): Documentation provided, exception cleared.<br>Buyer Comment (2025-07-28): See Uploaded, Corrected Final CD page 3<br>Buyer Comment (2025-07-24): Please review again, Final CD reflects cash back to the borrower [Redacted] $[Redacted]<br>Reviewer Comment (2025-07-24): The same CD was provided, exception remains.<br>Buyer Comment (2025-07-22): See Uploaded Final CD | 07/28/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 557856058 |  |  |  | [redacted] |  | 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. | Missing Initial Closing Disclosure dated at least three (3) business days prior to closing date of [Redacted]. |  |  |  | Reviewer Comment (2025-07-25): [Redacted] received CD dated [Redacted]<br>Buyer Comment (2025-07-23): See uploaded Initial CD | 07/25/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | No Defined Cure A | Non QM | Non QM | No |
|  | 557856058 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing 12 months rental history for current primary. |  |  |  | Reviewer Comment (2025-07-28): Documentation provided, exception cleared.<br>Buyer Comment (2025-07-28): Borrower owned prior to subject- refer to 1003 and property report uploaded<br>Reviewer Comment (2025-07-25): The borrower has only owned the subject for 6 months per the 1003 and credit report. Borrower rented prior to buying subject. A 12 month housing history is required, exception remains.<br>Buyer Comment (2025-07-23): See Uploaded Credit report showing Subject Mortgage creditor [Redacted]L which is being paid off by subject transaction. Date opened [Redacted]. No Rental History required.<br>Buyer Comment (2025-07-23): See Uploaded Credit report showing Subject prior creditor [Redacted] which is being paid off by subject transaction. Date opened [Redacted]. No Rental History required. | 07/28/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 570643383 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Final 1003 is missing. |  |  |  | Reviewer Comment (2025-07-24): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-22): See uploaded Lenders final 1003 | 07/24/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 563266988 |  |  |  | [redacted] |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted] Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-07-21): Received and associated Updated Hazard Insurance Policy. Exception Cleared.<br>Buyer Comment (2025-07-17): please see attached | 07/21/2025 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 555162165 |  |  |  | [redacted] |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-07-28): Received and associated Title Final with title policy amount $[Redacted]. Exception cleared. | 07/28/2025 |  |  | 1 A |  | [redacted] | Investment | Purchase | B A |  | N/A | No |
|  | 555162165 |  |  |  | [redacted] |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | 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 (2025-07-28): Received and associated Title Final with title policy amount $[Redacted]. Exception cleared.<br>Buyer Comment (2025-07-24): title uploaded | 07/28/2025 |  |  | 1 B A |  | [redacted] | Investment | Purchase | B A |  | N/A | No |
|  | 562077871 |  |  |  | [redacted] |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy has a coverage amount of $[Redacted] this is less than the note amount of $[Redacted] Please provide an updated title Commitment or final title. |  |  |  | Reviewer Comment (2025-07-22): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-18): See updated Title Commitment | 07/22/2025 |  |  | 1 B A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 562077871 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-07-25): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-07-23): cert uploaded | 07/25/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 520680515 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to allow transfer of Foreign Assets into [Redacted] account less than [Redacted] days prior to closing subject to all documentation to support transfer from [Redacted] to [Redacted] Institution provided and evidence funds have cleared and are available prior to closing. Approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-10): Lender exception in file. |  |  | 07/10/2025 | 2 B |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 520680515 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a corrected 1003 to reflect borrower being a non-permanent resident alien. |  |  |  | Reviewer Comment (2025-07-16): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-14): 1003 | 07/16/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 520800425 |  |  |  | [redacted] |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-07-16): Received Escrow Instruction document with title policy amount $[Redacted]. Exception cleared.<br>Buyer Comment (2025-07-14): attached<br>Buyer Comment (2025-07-14): Escrow instructions | 07/16/2025 |  |  | 1 B A |  | [redacted] | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 519228870 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Borrower has stated in Letter of explanation that property is newly leased .Lease agreement and proof of receipt of security deposit is required and was not provided. |  |  |  | Reviewer Comment (2025-07-24): Received and associated Lease agreement and proof of receipt. Exception Cleared.<br>Buyer Comment (2025-07-22): see uploaded docs | 07/24/2025 |  |  | 1 C A D |  | [redacted] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 519228870 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | Preliminary Title in file shows delinquent taxes in the amount of $[Redacted] with late charges. Borrower stated in undated letter in file that the taxes would be paid at closing. Payoffs of taxes were not shown on HUD-1 provided. Evidence of payment of delinquent taxes was not provided. |  |  |  | Reviewer Comment (2025-07-21): Taxes paid at closing.<br>Buyer Comment (2025-07-17): Final Settlement Statement | 07/21/2025 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 530753030 |  |  |  | [redacted] |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient. |  |  |  | Reviewer Comment (2025-07-18): Received and Associated Replacement Cost Estimator document with $[Redacted]. Exception cleared.<br>Buyer Comment (2025-07-16): RCEs. [Redacted] starts on page 7.<br>Buyer Comment (2025-07-16): Property type verifying [Redacted] is [Redacted] | 07/18/2025 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 538384340 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-07-18): A Desk Review was provided.<br>Buyer Comment (2025-07-16): field review attached | 07/18/2025 |  |  | 1 D A |  | [redacted] | Investment | Refinance - Rate/Term | D A C |  | N/A | No |
|  | 538384340 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | Missing Closing Protection Letter. |  |  |  | Reviewer Comment (2025-07-18): Received and associated Closing Protection Letter. Exception Cleared.<br>Buyer Comment (2025-07-16): please see attached | 07/18/2025 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Rate/Term | D A C |  | N/A | No |
|  | 538384340 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing LOE to explain why subject is vacant. |  |  |  | Reviewer Comment (2025-07-18): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-17): Letter for vacancy | 07/18/2025 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Rate/Term | D A C |  | N/A | No |
|  | 586932935 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Appraisal shows property is vacant. No lease agreement in file. A letter of explanation for why the property is vacant is required. |  |  |  | Reviewer Comment (2025-07-18): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-17): Letter for vacancy | 07/18/2025 |  |  | 1 C A D |  | [redacted] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
|  | 586932935 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  |  |  |  | Reviewer Comment (2025-07-18): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-17): CPL | 07/18/2025 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
|  | 579329285 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Appraisal shows subject property is Vacant. No Lease agreement in file. A letter of explanation for why the property is vacant is required. |  |  |  | Reviewer Comment (2025-07-18): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-17): Letter for vacancy | 07/18/2025 |  |  | 1 C A D |  | [redacted] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
|  | 579329285 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  |  |  |  | Reviewer Comment (2025-07-18): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-17): Closing protection letter | 07/18/2025 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
|  | 579329285 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-07-18): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-17): Verification of good standing | 07/18/2025 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
|  | 587080888 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-07-21): Received and associated Business Entity Listing for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-07-17): Secretary of state showing good standing<br>Buyer Comment (2025-07-17): please see cert attached | 07/21/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 508296292 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing LOE for subject being vacant. |  |  |  | Reviewer Comment (2025-07-18): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-17): Letter for vacancy | 07/18/2025 |  |  | 1 C A D |  | [redacted] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
|  | 508296292 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  |  |  |  | Reviewer Comment (2025-07-18): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-17): CPL | 07/18/2025 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
|  | 508296292 |  |  |  | [redacted] |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  |  |  |  |  | Reviewer Comment (2025-07-18): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-17): Attached<br>Buyer Comment (2025-07-17): Final CD | 07/18/2025 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
|  | 521679192 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-07-25): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-07-23): See docs provided | 07/25/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 520903780 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for non-warrantable condo with excessive master insurance deductible of [Redacted]%. Approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves<br>LTV is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-22): Lender exception in file. |  |  | 07/22/2025 | 2 B |  | [redacted] | Investment | Purchase | B A |  | N/A | No |
|  | 515629004 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-07-28): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-07-24): See Uploaded Business Purpose and Occupancy Affidavit | 07/28/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 558549897 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-07-28): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-07-24): See Uploaded Business purpose and occupancy affidavit | 07/28/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 525916289 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-07-24): Received and associated Fraud Report. Exception Cleared.<br>Buyer Comment (2025-07-22): Uploaded Drive Report to TPR for review.<br>Buyer Comment (2025-07-22): See Uploaded Drive Report | 07/24/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 509907803 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Note loan amount of $[Redacted] is less than Guideline minimum loan amount of $[Redacted]. Lender exception and approval for Minimum loan amount of $[Redacted]. | Borrower's Experience/Track Record<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted]. | Borrower's Experience/Track Record. The borrower has [Redacted] Years of Experience. Currently holds [Redacted] Properties and has Completed [Redacted] Properties. | Aggregator<br>SitusAMC | Reviewer Comment (2025-08-04): The client elects to waive. |  |  | 08/04/2025 | 2 B |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 509907803 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for property in [Redacted] condition. Approval in file. | Borrower's Experience/Track Record<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted]. | Borrower's Experience/Track Record. The borrower has [Redacted] Years of Experience. Currently holds [Redacted] Properties and has Completed [Redacted] Properties. | Aggregator<br>SitusAMC | Reviewer Comment (2025-08-04): The client elects to waive. |  |  | 08/04/2025 | 2 B |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 509907803 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Other Assets of $[Redacted] and $[Redacted] were shown on Final 1003 use4d to qualify. No asset documentation was provided to support these assets. |  |  |  | Reviewer Comment (2025-09-11): Received and associated Operating Agreement. Exception cleared.<br>Seller Comment (2025-09-09): Waterfall to #[Redacted]<br>Reviewer Comment (2025-09-05): No document upload. Please provide the Evidence of Access to Funds document, including the borrower's percentage of business ownership to meet assets requirement. Exception remains<br>Seller Comment (2025-09-03): Waterfall to #[Redacted]<br>Reviewer Comment (2025-08-12): Received Closing Disclosure which is showing Borrower name under business name for "[Redacted] for Property "[Redacted]," and "[Redacted]" is showing Borrower name under business name for "[Redacted]". Please provide the Evidence of Access to Funds document, including the borrower's percentage of business ownership. Exception remains<br>Seller Comment (2025-08-08): Waterfall to #[Redacted] | 09/11/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 509907803 |  |  |  | [redacted] |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Other Assets of $[Redacted] and $[Redacted] were shown on Final 1003 use4d to qualify. No asset documentation was provided to support these assets. |  |  |  | Reviewer Comment (2025-09-11): Received and associated Operating Agreement. Exception cleared.<br>Seller Comment (2025-09-09): Waterfall to #[Redacted]<br>Reviewer Comment (2025-09-05): No document upload. Please provide the Evidence of Access to Funds document, including the borrower's percentage of business ownership to meet assets requirement. Exception remains<br>Seller Comment (2025-09-03): Waterfall to #[Redacted]<br>Reviewer Comment (2025-08-12): Received Closing Disclosure which is showing Borrower name under business name for "[Redacted] for Property "[Redacted]," and "[Redacted]" is showing Borrower name under business name for "[Redacted]". Please provide the Evidence of Access to Funds document, including the borrower's percentage of business ownership. Exception remains<br>Seller Comment (2025-08-08): Waterfall to #[Redacted] | 09/11/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 509907803 |  |  |  | [redacted] |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $[Redacted] is less than Cash From Borrower $[Redacted]. Other Assets of $[Redacted] and $[Redacted] were shown on Final 1003 use4d to qualify. No asset documentation was provided to support these assets. |  |  |  | Reviewer Comment (2025-09-11): Received and associated Operating Agreement. Exception cleared.<br>Seller Comment (2025-09-09): Waterfall to #[Redacted]<br>Reviewer Comment (2025-09-05): No document upload. Please provide the Evidence of Access to Funds document, including the borrower's percentage of business ownership to meet assets requirement. Exception remains<br>Seller Comment (2025-09-03): Waterfall to #[Redacted]<br>Reviewer Comment (2025-08-13): Received Closing disclosures for 2 other businesses which are '[Redacted] and [Redacted]'. Please provide the Evidence of Access to funds document with borrower's percentage of business ownership. Exception Remains.<br>Seller Comment (2025-08-11): Waterfall to #[Redacted] | 09/11/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 509907803 |  |  |  | [redacted] |  | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. |  | Guidelines require $[Redacted] of reserves, and verified reserves are $[Redacted]. Other Assets of $[Redacted] and $[Redacted] were shown on Final 1003 use4d to qualify. No asset documentation was provided to support these assets. |  |  |  | Reviewer Comment (2025-09-11): Received and associated Operating Agreement. Exception cleared.<br>Seller Comment (2025-09-11): See attached Operating Agreements. Please clear<br>Seller Comment (2025-09-11): See attached Operating Agreements. Please clear.<br>Reviewer Comment (2025-09-11): On Page 460 in [Redacted], the business name is listed as "[Redacted]". However, the Closing Disclosure reflects different borrower names under business entities for "[Redacted] and "S[Redacted]". Please provide the Evidence of Access to Funds document, including the borrower's percentage of ownership in each of the business entities mentioned. Exception remains<br>Seller Comment (2025-09-09): See page 460 in [Redacted] that contains the Operating agreement with percent owned and also cover the bank accounts for the LLC. Please clear.<br>Reviewer Comment (2025-08-12): Received Closing Disclosure which is showing Borrower name under business name for "[Redacted] for Property "[Redacted]," and "[Redacted]" is showing Borrower name under business name for "[Redacted]". Please provide the Evidence of Access to Funds document, including the borrower's percentage of business ownership. Exception remains<br>Seller Comment (2025-08-08): Waterfall to #[Redacted]<br>Seller Comment (2025-08-08): See attached Cashout CD's from loans [Redacted] & [Redacted] where borrower was using $[Redacted] cashout proceeds from each loan. | 09/11/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 529863192 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2025-08-11): Received and associated Hazard Insurance Policy. Exception Cleared.<br>Seller Comment (2025-08-08): See attached HOI policy. Please cancel | 08/11/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 574756055 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | Most recent property inspection report is dated [Redacted]. Disaster end date is [Redacted]. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [Redacted] | SitusAMC,Originator | Reviewer Comment (2025-08-19): Property inspected after disaster date prior to end date.<br>Seller Comment (2025-08-14): Please waive to a B grade.<br>Reviewer Comment (2025-08-13): This is a Securitization requirement; this can be waived to a B grade.<br>Seller Comment (2025-08-08): Per Announcement received by Arc anything dated after[Redacted] does not need to be inspected again. Inspection occurred on [Redacted]. Please cancel. |  |  | 08/19/2025 | 2 C B |  | [redacted] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 574756055 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-04): Sufficient Cure Provided At Closing |  | 08/04/2025 |  | 1 A |  | [redacted] | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 516668670 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to read the expiration date on the permanent resident alien card. |  |  |  | Reviewer Comment (2025-08-08): A clear copy of the Permanent Resident Alien card was provided<br>Seller Comment (2025-08-06): See attached Permanent Resident Alien card. Please cancel. | 08/08/2025 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 505801173 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception to use a Power of Attorney on a cash-out transaction for the borrower to sign for the other non-borrower title owner. Approval in file. Contingent on POA used is specific to property and transaction, and executed within at least 30 days prior to the note date. | Borrower has owned the subject property for at least [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves<br>LTV is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-08-06): Lender exception in file. |  |  | 08/06/2025 | 2 B |  | [redacted] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 570848965 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate resolution in file is not signed. |  |  |  | Reviewer Comment (2025-08-26): Received and associated Corporate Resolution. Exception Cleared.<br>Seller Comment (2025-08-25): See attached Corp Resolution. Please cancel. | 08/26/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 501916814 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved for the co-borrower being a first time home buyer. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-11): The client elects to waive. |  |  | 08/11/2025 | 2 B |  | [redacted] | Investment | Purchase | B A |  | N/A | No |
|  | 539030691 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved to allow purchase of 4-unit subject without the transfer of two lease agreements. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | [Redacted] FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-11): The client elects to waive. |  |  | 08/11/2025 | 2 B |  | [redacted] | Investment | Purchase | B A |  | N/A | No |
|  | 583994427 |  |  |  | [redacted] |  | 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 [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. |  |  |  |  | Reviewer Comment (2025-10-01): The client accepts as is. |  |  | 10/01/2025 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 583994427 |  |  |  | [redacted] |  | 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 [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. |  |  |  |  | Reviewer Comment (2025-10-01): The client accepts as is. |  |  | 10/01/2025 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 583994427 |  |  |  | [redacted] |  | 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 [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. |  |  |  |  | Reviewer Comment (2025-10-01): The client accepts as is. |  |  | 10/01/2025 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 568445464 |  |  |  | [redacted] |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Missing current lease agreement for subject. |  |  |  | Reviewer Comment (2025-07-31): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-28): Please see attached lease agreement. | 07/31/2025 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 519308693 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-07-30): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-07-28): Business Purpose & Occupancy Affidavit | 07/30/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | D A |  | N/A | No |
|  | 519308693 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  |  |  | Reviewer Comment (2025-07-30): Received and associated Note Addendum - Prepayment. Exception Cleared.<br>Buyer Comment (2025-07-28): Please see attached. | 07/30/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | D A |  | N/A | Yes |
|  | 519308693 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | The file is missing a copy of the Prepayment Rider. |  |  |  | Reviewer Comment (2025-07-30): Received and associated Prepayment Rider. Exception Cleared.<br>Buyer Comment (2025-07-28): Please see attached | 07/30/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | D A |  | N/A | No |
|  | 519308693 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-07-30): Received and associated Guarantor Agreement. Exception Cleared.<br>Buyer Comment (2025-07-28): Please see attached. | 07/30/2025 |  |  | 1 D A |  | [redacted] | Investment | Purchase | D A |  | N/A | No |
|  | 586796272 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to allow recreational lease maintained and operated by the developer contingent upon file being delivered under the Buy to Guide Program, minimum [Redacted] moths reserves and minimum [Redacted] [Redacted]., Max LTV [Redacted]% Approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-28): The client elects to waive. |  |  | 07/28/2025 | 2 B |  | [redacted] | Investment | Purchase | B A |  | N/A | No |
|  | 548036989 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The file is missing a copy of the Business Purpose Certificate. |  |  |  | Reviewer Comment (2025-08-01): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-07-30): Please see attached | 08/01/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 548036989 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | The file is missing a copy of the Non-Owner Occupancy Declaration. |  |  |  | Reviewer Comment (2025-08-01): Received and associated Non-Owner Occupancy Declaration. Exception Cleared.<br>Buyer Comment (2025-07-30): Please see attached | 08/01/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 595314167 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. | Missing business narrative, evidence of borrower's percentage of business ownership, and a third party verification dated within 30 days prior to the Note date. |  |  |  | Reviewer Comment (2025-07-28): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-24): Verification of employment | 07/28/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 595314167 |  |  |  | [redacted] |  | 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. | Missing business narrative, evidence of borrower's percentage of business ownership, and a third party verification dated within 30 days prior to the Note date. |  |  |  | Reviewer Comment (2025-07-28): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-24): All gift fund verification/emd, gift letter, business narrative, business ownership and verification uploaded. | 07/28/2025 |  |  | 1 B A C |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
|  | 595314167 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Missing business narrative, evidence of borrower's percentage of business ownership, and a third party verification dated within 30 days prior to the Note date. |  |  |  | Reviewer Comment (2025-07-28): Documentation provided; exception cleared. | 07/28/2025 |  |  | 1 A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 595314167 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing business narrative, evidence of borrower's percentage of business ownership, and a third party verification dated within 30 days prior to the Note date. |  |  |  | Reviewer Comment (2025-07-28): Received and associated Business Narrative for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-07-24): [Redacted]% owner verification.<br>Buyer Comment (2025-07-24): Business Narrative | 07/28/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 595314167 |  |  |  | [redacted] |  | 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 assets verified to meet closing and reserve requirements, and insufficient income documentation. |  |  |  | Reviewer Comment (2025-07-28): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-24): All gift fund verification/emd, gift letter, business narrative, business ownership and verification uploaded. | 07/28/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 595314167 |  |  |  | [redacted] |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The final Closing Disclosure reflects gift funds in the amounts of $[Redacted] and $[Redacted]; however, the file does not contain copies of the corresponding gift letters. |  |  |  | Reviewer Comment (2025-07-25): Received and associated Receipt of funds and Gift Letter$[Redacted] and $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-07-23): $[Redacted] is the EMD<br>Buyer Comment (2025-07-23): Receipt of funds and Gift letter for $[Redacted]. | 07/25/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 595314167 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing gift documentation, source of EMD, evidence of access to business funds. |  |  |  | Reviewer Comment (2025-07-28): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-24): All gift fund verification/emd, gift letter, business narrative, business ownership and verification uploaded. | 07/28/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 595314167 |  |  |  | [redacted] |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing gift documentation, source of EMD, evidence of access to business funds. |  |  |  | Reviewer Comment (2025-07-28): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-24): All gift fund verification/emd, gift letter, business narrative, business ownership and verification uploaded. | 07/28/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 595314167 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing Validation of the license/PTIN for the CPA. |  |  |  | Reviewer Comment (2025-07-30): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-28): CPA validation | 07/30/2025 |  |  | 1 A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 553350476 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing CPA validation. |  |  |  | Reviewer Comment (2025-07-30): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-29): Please see CPA verification<br>Reviewer Comment (2025-07-28): The exception is for the validity of the CDA, verification of his license, etc.<br>Buyer Comment (2025-07-24): See docs provided | 07/30/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 578531642 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | An [redacted] lender exception approved for use of gift funds transferred from foreign account, missing lender exception from Homebridge. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted] .<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | FICO [Redacted] | SitusAMC,Originator,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-31): The client elects to waive.<br>Buyer Comment (2025-07-30): Lender exception |  |  | 07/31/2025 | 2 C B |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 591900382 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing 12 month rental history for primary. |  |  |  | Reviewer Comment (2025-07-28): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-24): See docs provided<br>Buyer Comment (2025-07-24): Please see email from landlord/company that states they do not do verification on rentals. Also, please see printout from where borrower paid rents from his account. | 07/28/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 591900382 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing third party verification of business dated within 30 days prior to the note date. |  |  |  | Reviewer Comment (2025-07-28): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-25): please see uploaded docs | 07/28/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 581173070 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing source of gift via wire, donor check, etc. |  |  |  | Reviewer Comment (2025-08-05): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-01): Please see updated CD showing $[Redacted] in gift funds<br>Reviewer Comment (2025-07-30): The CD reflects receipt of gift funds in the amount of $[Redacted], however wire provided only reflects $[Redacted]. Provide corrected cd that reflects correct amount received from the borrower.<br>Buyer Comment (2025-07-29): Please see attached | 08/05/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 581173070 |  |  |  | [redacted] |  | 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. | Missing source of gift via wire, donor check, etc., resulting in insufficient assets for reserves. |  |  |  | Reviewer Comment (2025-08-05): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-01): Please see most recent uploaded CD for correct gift amount.<br>Reviewer Comment (2025-07-30): The CD reflects receipt of gift funds in the amount of $[Redacted], however wire provided only reflects $[Redacted]. Provide corrected cd that reflects correct amount received from the borrower.<br>Buyer Comment (2025-07-29): Please see gift wire uploaded to file. | 08/05/2025 |  |  | 1 B A C |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 581173070 |  |  |  | [redacted] |  | 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. | Missing source of gift via wire, donor check, etc., resulting in insufficient assets for reserves. |  |  |  | Reviewer Comment (2025-08-05): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-01): Please see recently uploaded CD showing [Redacted] gift amount<br>Reviewer Comment (2025-07-30): The CD reflects receipt of gift funds in the amount of $[Redacted], however wire provided only reflects $[Redacted]. Provide corrected cd that reflects correct amount received from the borrower.<br>Buyer Comment (2025-07-29): Please see gift wire uploaded to file. | 08/05/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 581173070 |  |  |  | [redacted] |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing source of gift via wire, donor check, etc., resulting in insufficient assets for closing and reserves. |  |  |  | Reviewer Comment (2025-08-05): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-01): Please see recently uploaded CD<br>Reviewer Comment (2025-07-30): The CD reflects receipt of gift funds in the amount of $[Redacted], however wire provided only reflects $[Redacted]. Provide corrected cd that reflects correct amount received from the borrower.<br>Buyer Comment (2025-07-29): Please see attached | 08/05/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 513124999 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing complete [Redacted] month housing history. Mortgage statement provided shows payment was returned, please verify no lates in last [Redacted] months. |  |  |  | Reviewer Comment (2025-07-29): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-25): Please see attached credit supplement. | 07/29/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 568520668 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing [Redacted] month housing history for departing residence. |  |  |  | Reviewer Comment (2025-07-30): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-28): Please see attached LOX | 07/30/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 568520668 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing evidence of borrower's percentage of business ownership. |  |  |  | Reviewer Comment (2025-07-30): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-28): Please see attached. | 07/30/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 548552933 |  |  |  | [redacted] |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  | Provide a copy of the borrower's current visa (front and back) or the I-797. |  |  |  | Reviewer Comment (2025-07-28): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-28): 1003 uploaded<br>Reviewer Comment (2025-07-28): Permanent resident alien card provided, requesting corrected 1003 to reflect permanent resident alien.<br>Buyer Comment (2025-07-25): See Uploaded Permanent Resident ID Card | 07/28/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 552942413 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing validity of CPA. |  |  |  | Reviewer Comment (2025-07-31): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-29): CPA Verification attached. | 07/31/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 536611750 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing letter from borrower stating that use of business funds will not negatively impact the business. |  |  |  | Reviewer Comment (2025-08-05): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-01): Please see attached | 08/05/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 536611750 |  |  |  | [redacted] |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | When using business funds as assets for closing, when the borrower owns[Redacted]% of the business, we need either a CPA letter stating no negative impacts to business or a cash flow analysis AND LOE from the borrower. Cash flow analysis in file, missing LOE from borrower that use of funds will not have a negative impact on business. |  |  |  | Reviewer Comment (2025-08-05): Documentation provided; exception cleared. | 08/05/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 571292212 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. |  |  |  |  | Reviewer Comment (2025-07-30): The Final Settlement Statement was provided reflecting a disbursement date of [Redacted]<br>Buyer Comment (2025-07-29): Please see attached settlement statement with disbursement date of [Redacted] | 07/30/2025 |  |  | 1 C A |  | [redacted] | 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 | Non QM | Non QM | Yes |
|  | 529986568 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Changed circumstance provided was after the date the fee was added to the Closing Disclosure.. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2025-08-06): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2025-08-04): Please see attached | 08/06/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 529986568 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Borrower has stated no primary housing expense on application. No rent free letter was provided. |  |  |  | Reviewer Comment (2025-08-06): Received and associated Rent Free Letter. Exception cleared.<br>Buyer Comment (2025-08-04): Please see attached | 08/06/2025 |  |  | 1 C A D |  | [redacted] | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 558289879 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for borrower to be treated as self employed with [Redacted]% ownership. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Over $[Redacted]in residual income | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-01): The client elects to waive. |  |  | 08/01/2025 | 2 B |  | [redacted] | Primary | Purchase | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 587223793 |  |  |  | [redacted] |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is blank. A Final Policy was not provided. |  |  |  | Reviewer Comment (2025-08-06): Received Escrow Instruction document with title policy amount $[Redacted]. Exception cleared.<br>Buyer Comment (2025-08-05): attached<br>Buyer Comment (2025-08-05): Escrow instructions with loan amount of $[Redacted]. | 08/06/2025 |  |  | 1 B A |  | [redacted] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 587223793 |  |  |  | [redacted] |  | 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 Document Preparation Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-01): Sufficient Cure Provided At Closing |  | 08/01/2025 |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 564049273 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | An [Redacted] lender exception is approved to allow use of asset utilization with less than 60 days seasoning, missing lender exception from [Redacted]. | Borrower has verified disposable income of at least $[Redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted] residual income.<br>The LTV/CLTV is [Redacted]% below guideline max.<br>The LTV/CLTV is [Redacted]% below guideline max.<br>The DTI is [Redacted]% below guideline max.<br>The fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-31): Lender exceptions in file.<br>Buyer Comment (2025-07-29): Please see attached |  |  | 07/31/2025 | 2 C B |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 581507600 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Business Narrative document in file was not signed and dated by the Borrower. |  |  |  | Reviewer Comment (2025-07-23): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-21): narrative uploaded | 07/23/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 581507600 |  |  |  | [redacted] |  | 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 loan is at ATR Risk due to incomplete income documentation. Business Narrative document provided was not signed and dated by the Borrower. |  |  |  | Reviewer Comment (2025-07-23): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-21): narrative uploaded | 07/23/2025 |  |  | 1 B A C |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 581507600 |  |  |  | [redacted] |  | 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 loan is at ATR Risk due to incomplete income documentation. Business Narrative document provided was not signed and dated by the Borrower. |  |  |  | Reviewer Comment (2025-07-23): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-21): narrative uploaded | 07/23/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 593493252 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. An updated post-closing CD issued on [Redacted] shows a Lender credit of $[Redacted]. |  |  |  | Reviewer Comment (2025-07-29): [Redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on Post CD) and supportig Final SS present in the loan file resulting in a cleared exception.<br>Buyer Comment (2025-07-28): PCCD is dated the same day as disbursement.<br>Reviewer Comment (2025-07-14): [Redacted] received rebuttal that cure provided on PCCD however, other cure documents are not provided like copy of refund check, proof of mailing and LOE to borrower. Please provide cure docs to cure this exception.<br>Buyer Comment (2025-07-11): PCCD shows cure. [Redacted] - [Redacted] = $[Redacted] cure due which is listed on the PCCD | 07/29/2025 |  |  | 1 C A |  | [redacted] | 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 | Non QM | Non QM | Yes |
|  | 593493252 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-07-29): Sufficient Cure Provided within 60 Days of Closing |  | 07/29/2025 |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Non QM | Non QM | Yes |
|  | 518477034 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2025-08-04): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-02): copy of lox, pccd, check, and ups label uploaded<br>Reviewer Comment (2025-07-31): [Redacted] received COC dated [Redacted] stating "complexity" however we required the reason as to what caused the property to be complex .Kindly provide detail reason for complexity in order to clear the exception<br>Buyer Comment (2025-07-30): Valid COC<br>Reviewer Comment (2025-07-29): [Redacted] received COC dated [Redacted] with reason for increased is due to VA appraisal requirement. However, the loan is conventional and the appraisal is also completed as per conventional. The reason provided is not sufficient as to how the VA cost requirement was affected the appraisal fee. Please provide information as to what changed circumstance occurred (as defined under [Redacted](e)(4)(A)-(F) that resulted in an increase in closing costs.<br>Buyer Comment (2025-07-28): Please see attached.<br>Reviewer Comment (2025-07-25): [Redacted] received COC dated [Redacted] but the reason provided on COC is not sufficient as to why the appraisal is required a higher fee than estimated. Please provide information as to what changed circumstance occurred (as defined under [Redacted](e)(4)(A)-(F) that resulted in an increase in closing costs.<br>Buyer Comment (2025-07-23): COC attached (last page) |  | 08/04/2025 |  | 2 C B |  | [redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 509589734 |  |  |  | [redacted] |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Missing closing statement from previous primary residence. |  |  |  | Reviewer Comment (2025-07-22): Received and associated final HUD. Exception Cleared.<br>Buyer Comment (2025-07-18): please see attached | 07/22/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 545620889 |  |  |  | [redacted] |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | The file was missing copy of Lender's Initial 1003. |  |  |  | Reviewer Comment (2025-07-21): Received and associated 1003 Initial - Lender's. Exception Cleared.<br>Buyer Comment (2025-07-17): See docs provided | 07/21/2025 |  |  | 1 B A |  | [redacted] | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 595668150 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing a copy of the Business Narrative. |  |  |  | Reviewer Comment (2025-07-24): Received and associated Business Narrative for [redacted]. Exception Cleared.<br>Buyer Comment (2025-07-22): See docs provided | 07/24/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 595668150 |  |  |  | [redacted] |  | 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. | Missing business narrative required per guidelines. |  |  |  | Reviewer Comment (2025-07-24): Received and associated Business Narrative for [redacted]. Exception Cleared. | 07/24/2025 |  |  | 1 B A C |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 595668150 |  |  |  | [redacted] |  | 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 [Redacted] 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. | Earliest consent to receive electronic disclosures is dated [Redacted] which is after the initial loan estimate was provided to the borrower. |  |  |  | Reviewer Comment (2025-07-18): [Redacted] received earliest e-consent dated [Redacted].<br>Buyer Comment (2025-07-17): See docs provided | 07/18/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 595668150 |  |  |  | [redacted] |  | 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. | Missing business narrative required per guidelines. |  |  |  | Reviewer Comment (2025-07-24): Received and associated Business Narrative for [Redacted]. Exception Cleared. | 07/24/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 595668150 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing signed and dated letter of explanation (LOE) from borrower stating relationship to seller and reason for the purchase; |  |  |  | Reviewer Comment (2025-08-11): A Relationship Letter was provided.<br>Buyer Comment (2025-08-07): See docs provided<br>Reviewer Comment (2025-08-04): The only thing provided was the gift letter. Need LOE from borrower stating relationship to the seller and reason for purchase, as required by the guidelines.<br>Buyer Comment (2025-07-31): Please expand on what you're requesting. The letter uploaded shows the buyer ([Redacted]) as the son to the seller ([Redacted]).<br>Reviewer Comment (2025-07-25): No new documentation provided.<br>Buyer Comment (2025-07-23): letter attached | 08/11/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 595668150 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing payoff statement showing the mortgage is current and no penalties/late fees are reflected. |  |  |  | Reviewer Comment (2025-07-25): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-23): statement attached | 07/25/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 566208359 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to consider subject property as suburban. Approval in file. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted]points. | $[Redacted]K disposable income.<br>[Redacted] months reserves<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-21): Lender exceptions in file.<br>Buyer Comment (2025-07-17): Lender's exception |  |  | 07/21/2025 | 2 C B |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 566208359 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | The borrower only owns [Redacted]% of the business. |  |  |  | Reviewer Comment (2025-08-07): Received and associated updated 1003 and 1008 with 12 months additional bank statements. Exception cleared.<br>Buyer Comment (2025-08-05): 12 months additional bank statements to match updated income calc, 1003, and 1008.<br>Buyer Comment (2025-08-05): Updated 1008<br>Buyer Comment (2025-08-05): Business narrative for additional business<br>Buyer Comment (2025-08-05): Updated 1003<br>Buyer Comment (2025-08-05): Income calc for additional business<br>Buyer Comment (2025-08-05): Access to funds<br>Buyer Comment (2025-08-05): Operating agreement | 08/07/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 566208359 |  |  |  | [redacted] |  | 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 borrower only owns [Redacted]% of the business, resulting in dti that exceeds [Redacted]%. |  |  |  | Reviewer Comment (2025-08-07): Received and associated updated 1003 and 1008 with 12 months additional bank statements. Exception cleared.<br>Buyer Comment (2025-08-05): Additional income docs uploaded to [Redacted] | 08/07/2025 |  |  | 1 B A C |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 566208359 |  |  |  | [redacted] |  | 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 borrower only owns [Redacted]% of the business, resulting in dti that exceeds [Redacted]%. |  |  |  | Reviewer Comment (2025-08-07): Received and associated updated 1003 and 1008 with 12 months additional bank statements. Exception cleared.<br>Buyer Comment (2025-08-05): Additional income docs uploaded to [Redacted] | 08/07/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 566208359 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | The borrower only owns [Redacted]% of the business, resulting in dti that exceeds [Redacted]%. |  |  |  | Reviewer Comment (2025-08-07): Received and associated updated 1003 and 1008 with 12 months additional bank statements. Exception cleared.<br>Buyer Comment (2025-08-05): Additional income docs uploaded to [Redacted] | 08/07/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 561541199 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-14): Sufficient Cure Provided At Closing |  | 07/14/2025 |  | 1 A |  | [redacted] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 524573409 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Co-borrower self-employed [Redacted] months, [Redacted] lender exception in file, missing lender exception from G Rate. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted]residual income<br>[Redacted] months reserves<br>DTI is [Redacted]% below guideline max.<br>Fico is [Redacted]points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-30): Lender exceptions in file.<br>Buyer Comment (2025-07-28): Please see lender exception. |  |  | 07/30/2025 | 2 C B |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 582262790 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  |  |  |  |  | Reviewer Comment (2025-07-23): Received and associated Rider - PUD. Exception Cleared.<br>Buyer Comment (2025-07-21): pud rider attached | 07/23/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 582262790 |  |  |  | [redacted] |  | 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. | Closing Disclosure not provided to Borrower at least three business days prior to closing. |  |  |  | Reviewer Comment (2025-07-22): [Redacted] received [Redacted] Initial CD, 3 business days prior to the consummation.<br>Buyer Comment (2025-07-21): CD proof uploaded | 07/22/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
|  | 582262790 |  |  |  | [redacted] |  | 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 Service Charges. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Realtor Transaction Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2025-08-01): [Redacted] received corrected PCCD and LOE<br>Buyer Comment (2025-07-30): See docs provided<br>Reviewer Comment (2025-07-29): [Redacted] received corrected PCCD with moving the fee in question to section H but there are more title fees have also changed on CD. TO finalize the PCCD provided please provide true and certified copy of final SS to verify the fees paid by borrower at closing.<br>Buyer Comment (2025-07-28): Please see updated CD.<br>Reviewer Comment (2025-07-22): [Redacted]: Realtor Transaction fee of $[Redacted] added is in sec C of Final CD and was not changed any of the LE's. Also, this fee is under the services borrower shopped. Provide corrected PCCD is issued with an LOE to move the fee from Section C to H. Otherwise a Cure is required to borrower.<br>Buyer Comment (2025-07-21): dispute attached | 08/01/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 577496740 |  |  |  | [redacted] |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-07-24): Received and associated Title Final with title policy amount $[Redacted]. Exception cleared. | 07/24/2025 |  |  | 1 A |  | [redacted] | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 577496740 |  |  |  | [redacted] |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary Title policy is within CA or NV and does not reflect a coverage amount(no final title policy in life ,unable to determine if Appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-07-24): Received and associated Title Final with title policy amount $[Redacted]. Exception cleared.<br>Buyer Comment (2025-07-22): final title uploaded | 07/24/2025 |  |  | 1 B A |  | [redacted] | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 514649782 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-23): Sufficient Cure Provided At Closing |  | 07/23/2025 |  | 1 A |  | [redacted] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 514649782 |  |  |  | [redacted] |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing 7 month rental history for current primary. |  |  |  | Reviewer Comment (2025-08-08): Received and associated Pay history for 7 months rental history for current primary. Exception cleared.<br>Buyer Comment (2025-08-07): See uploaded Rent payment verification spreadsheet verifying rent payments made from [Redacted] through [Redacted].<br>Reviewer Comment (2025-07-29): Please provide 7 months rental history for current primary house of "[Redacted]" for [Redacted]. Exception Remains.<br>Buyer Comment (2025-07-25): docs uploaded | 08/08/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 532976920 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | 1003 Final document not provided |  |  |  | Reviewer Comment (2025-07-30): Received and associated 1003 Final. Exception Cleared.<br>Buyer Comment (2025-07-28): See docs provided<br>Buyer Comment (2025-07-28): See documentation provided | 07/30/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 532976920 |  |  |  | [redacted] |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file disclosed $[Redacted] of title insurance coverage; however, this is less than the loan amount of $[Redacted] 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 (2025-07-30): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-28): See docs provided | 07/30/2025 |  |  | 1 B A |  | [redacted] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 532976920 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-16): Sufficient Cure Provided At Closing |  | 07/16/2025 |  | 1 A |  | [redacted] | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 522159328 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization Purposes. |  |  |  | Reviewer Comment (2025-08-05): Received secondary valuation CDA with value $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-08-04): CDA Supporting value | 08/05/2025 |  |  | 1 D A |  | [redacted] | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
|  | 522159328 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Loan Estimate [Redacted] not delivered or placed in the mail to Borrower(s) within three (3) business days of application date [Redacted]. |  |  |  | Reviewer Comment (2025-07-29): [Redacted] received [Redacted] Initial LE<br>Buyer Comment (2025-07-28): Initial LE issued and executed [Redacted]<br>Reviewer Comment (2025-07-24): Initial application date, per loan file, is [Redacted]. Please provide Initial LE for review.<br>Buyer Comment (2025-07-23): LE electronic delivery | 07/29/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
|  | 542496746 |  |  |  | [redacted] |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing evidence of access to business funds for closing. |  |  |  | Reviewer Comment (2025-08-08): Received and associated CPA Letter. Sufficient assets for closing requirement verified. Exception cleared.<br>Buyer Comment (2025-08-06): Access to funds | 08/08/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 526495521 |  |  |  | [redacted] |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | File is Missing a copy of [Redacted] [Redacted] Bank statement from [Redacted] account ending [Redacted]. |  |  |  | Reviewer Comment (2025-07-25): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-23): See docs provided | 07/25/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 526495521 |  |  |  | [redacted] |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | File is Missing a copy of E-sign Consent |  |  |  | Reviewer Comment (2025-07-25): Documentation provided, exception cleared.<br>Buyer Comment (2025-07-23): See docs provided | 07/25/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 526495521 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | File is Missing a copy of [Redacted] Bank statement from [Redacted] account ending [Redacted]. |  |  |  | Reviewer Comment (2025-07-30): Received and associated Business Narrative for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-07-28): Please see attached business narrative.<br>Reviewer Comment (2025-07-25): Business narrative not provided.<br>Buyer Comment (2025-07-23): See docs provided | 07/30/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 526495521 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to missing [Redacted] bank statement for acct ending [Redacted] used for [Redacted] month bank statement income. |  |  |  | Reviewer Comment (2025-07-30): Received and associated Business Narrative for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-07-28): Business narrative now in file. Thank you!<br>Buyer Comment (2025-07-28): Please see business narrative<br>Reviewer Comment (2025-07-25): Still missing business narrative, exception remains.<br>Buyer Comment (2025-07-23): See docs provided | 07/30/2025 |  |  | 1 B A C |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 526495521 |  |  |  | [redacted] |  | 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. | Waterfall due to missing [Redacted] bank statement for acct ending [Redacted] used for [Redacted] month bank statement income. |  |  |  | Reviewer Comment (2025-07-30): Received and associated Business Narrative for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-07-28): Business narrative now in file. Thank you!<br>Reviewer Comment (2025-07-25): Still missing business narrative, exception remains.<br>Buyer Comment (2025-07-23): See docs provided | 07/30/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 526495521 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing rent free letter. |  |  |  | Reviewer Comment (2025-07-25): Documentation provided.<br>Buyer Comment (2025-07-23): See docs provided | 07/25/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 526495521 |  |  |  | [redacted] |  | 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 [Redacted] 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. |  |  |  |  | Reviewer Comment (2025-07-29): SitusAMC Received earliest E-Consent.<br>Buyer Comment (2025-07-28): Please see attached. | 07/29/2025 |  |  | 1 A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 528687253 |  |  |  | [redacted] |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-07-25): Received and associated E-Sign Consent Agreement. Exception cleared.<br>Buyer Comment (2025-07-23): See docs provided | 07/25/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 528687253 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing complete rental payment history of primary residence with Lease agreement. |  |  |  | Reviewer Comment (2025-07-25): Received and associated Payment History and Lease agreement to verify 12 months rental history for Primary property. Exception Cleared.<br>Buyer Comment (2025-07-23): see docs provided | 07/25/2025 |  |  | 1 C A D |  | [redacted] | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 528687253 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing Business Narrative document. |  |  |  | Reviewer Comment (2025-07-28): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-24): See docs provided | 07/28/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 528687253 |  |  |  | [redacted] |  | 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. | Loan is an ATR risk due to missing income documentation. Missing Business Narrative document. |  |  |  | Reviewer Comment (2025-07-28): Documentation provided; exception cleared. | 07/28/2025 |  |  | 1 B A C |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 528687253 |  |  |  | [redacted] |  | 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. | Loan is an ATR risk due to missing income documentation. Missing Business Narrative document. |  |  |  | Reviewer Comment (2025-07-28): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-24): narrative attached | 07/28/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 592331954 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. |  |  |  |  | Reviewer Comment (2025-08-05): Documentation provided to support that disbursement did not occur until [Redacted] ([Redacted] wire returned to meet TILA requirements).<br>Buyer Comment (2025-08-01): Please see attached.<br>Reviewer Comment (2025-07-30): The settlement statement in file is showing that interest was collected starting on [Redacted] while the PCCD shows [Redacted]. If the wire disbursed on [Redacted], they should not collect interest until [Redacted] and we just want to be clear that actually occurred. If we can get a final settlement statement showing that interest did not start until [Redacted], that would get this issue addressed from our end.<br>Buyer Comment (2025-07-28): See docs provided<br>Reviewer Comment (2025-07-25): Is there any documented evidence of a wire being returned on [Redacted]? We need that to confirm disbursement did not occur on [Redacted]. Right now, disbursement is reflected as [Redacted] on the closing CD, the Freddie Mac Loan Closing Advisor that's dated [Redacted], Closing Instructions, and the Loan Detail Report (compliance report).<br>Buyer Comment (2025-07-23): See explanation provided | 08/05/2025 |  |  | 1 C A |  | [redacted] | 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 | Non QM | Non QM | Yes |
|  | 591808953 |  |  |  | [redacted] |  | 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 [Redacted] 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 Loan Estimate dated [Redacted] was electronically provided prior to borrower's consent to receive electronic disclosures. |  |  |  | Reviewer Comment (2025-07-30): [Redacted] received disclosure summary for the Consent package accepted by borrower on [Redacted].<br>Buyer Comment (2025-07-29): Please see attached disclosure tracking details. | 07/30/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 561429551 |  |  |  | [redacted] |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-07-25): Received and associated Title supplement reflecting title policy amount $[Redacted]. Exception cleared.<br>Buyer Comment (2025-07-23): See docs provided | 07/25/2025 |  |  | 1 B A |  | [redacted] | Primary | Purchase | D A | Non QM | Non QM | No |
|  | 561429551 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | The file is missing a copy of the Purchase Contract. |  |  |  | Reviewer Comment (2025-07-31): FSBO in [Redacted], so Escrow Instructions were used.<br>Buyer Comment (2025-07-28): This is a For Sale By Owner Property, the FSBO Escrow instructions should be sufficient.<br>Reviewer Comment (2025-07-23): Received Sale Escrow instruction document. Please provide Purchase Agreement. Exception remains.<br>Buyer Comment (2025-07-23): See contract provided<br>Buyer Comment (2025-07-21): see docs attached | 07/31/2025 |  |  | 1 D A |  | [redacted] | Primary | Purchase | D A | Non QM | Non QM | No |
|  | 579011833 |  |  |  | [redacted] |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-07-24): Received and associated E-Sign Consent Agreement. Exception cleared.<br>Buyer Comment (2025-07-22): See Uploaded E-Sign Consent | 07/24/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 570042770 |  |  |  | [redacted] |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | File is missing a copy of [Redacted] Bank statement from [Redacted] for account ending #[Redacted] |  |  |  | Reviewer Comment (2025-07-28): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-24): [Redacted] [Redacted] [Redacted] uploaded to [Redacted] | 07/28/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 570042770 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-23): Sufficient Cure Provided At Closing |  | 07/23/2025 |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 570042770 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | File is missing a copy of [Redacted] Bank statement from [Redacted] account ending #[Redacted] |  |  |  | Reviewer Comment (2025-07-28): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-24): [Redacted] [Redacted] | 07/28/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 570042770 |  |  |  | [redacted] |  | 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. | Missing complete [Redacted] months bank statements for [Redacted]. |  |  |  | Reviewer Comment (2025-07-28): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-24): [Redacted] [Redacted] uploaded to [Redacted] | 07/28/2025 |  |  | 1 B A C |  | [redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 570042770 |  |  |  | [redacted] |  | 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. | Missing complete [Redacted] months bank statements for [Redacted]. |  |  |  | Reviewer Comment (2025-07-28): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-24): [Redacted] [Redacted] uploaded to [Redacted] | 07/28/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 547253886 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Insurance and Tax Verifications. |  |  |  | Reviewer Comment (2025-07-28): Received and associated Tax Verification and Insurance Verification for the property at [Redacted]. Exception cleared.<br>Buyer Comment (2025-07-24): See Uploaded Tax and Insurance docs for [Redacted] | 07/28/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 547253886 |  |  |  | [redacted] |  | 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 [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. No reason was given on page 4 of the Final CD. |  |  |  | Reviewer Comment (2025-07-28): [Redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-07-25): See Uploaded LOX, COC and PCCD |  | 07/28/2025 |  | 2 C B |  | [redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
|  | 553825629 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-08-08): Received secondary valuation CDA with value $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-08-07): See CDA provided | 08/08/2025 |  |  | 1 D A |  | [redacted] | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
|  | 553825629 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Six months receipt of child support is required per fnma guidelines. |  |  |  | Reviewer Comment (2025-07-31): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-29): Six months receipt of child support | 07/31/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
|  | 596579174 |  |  |  | [redacted] |  | 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 (2025-07-31): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-29): See attached | 07/31/2025 |  |  | 1 B A |  | [redacted] | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 526556990 |  |  |  | [redacted] |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-07-30): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-30): esign uploaded | 07/30/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 526556990 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The 442 in file does not state whether or not the completion was done. |  |  |  | Reviewer Comment (2025-07-30): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-30): correct version with both check boxes<br>Buyer Comment (2025-07-30): the attached is checked for certification of completion. | 07/30/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 526556990 |  |  |  | [redacted] |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  | The appraisal dated [Redacted] has an effective date of [Redacted], which is more than 90 days prior to the Note date. |  |  |  | Reviewer Comment (2025-07-30): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-30): See Uploaded Appraisal Update and Completion Report dated [Redacted] | 07/30/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 538405680 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing a copy of the required fraud report including all interested parties to the transaction. |  |  |  | Reviewer Comment (2025-07-23): Received and associated Fraud Report. Exception Cleared.<br>Buyer Comment (2025-07-21): fraud report uploaded | 07/23/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 538405680 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower only has 2 credit scores. An [Redacted] lender exception was provided, however missing lender exception from G Rate. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [Redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted]K residual income<br>$[Redacted]reserves<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-25): Lender exceptions in file.<br>Buyer Comment (2025-07-23): See exception |  |  | 07/25/2025 | 2 C B |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 518062828 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to consider borrower mortgage history based on [Redacted]%% ownership of her primary residence. Approval subject to sufficient documentation to support ownership and timely payments to sister for mortgage. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-16): Lender exceptions in file. |  |  | 07/16/2025 | 2 B |  | [redacted] | Investment | Purchase | B A |  | N/A | No |
|  | 501044950 |  |  |  | [redacted] |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Missing a copy of the borrower's current permanent resident alien card. |  |  |  | Reviewer Comment (2025-07-28): Received and associated Permanent Resident Alien Card. Exception Cleared.<br>Buyer Comment (2025-07-24): See uploaded permanent resident alien registration card. | 07/28/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 501044950 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided |  | Missing a copy of the borrower's current permanent resident alien card. |  |  |  | Reviewer Comment (2025-07-28): Received and associated Permanent Resident Alien Card. Exception Cleared.<br>Buyer Comment (2025-07-24): See uploaded permanent resident alien registration card. | 07/28/2025 |  |  | 1 B A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 531356401 |  |  |  | [redacted] |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-08-12): Received and associated updated hazard Insurance policy with Replacement Cost Estimator. Exception cleared.<br>Buyer Comment (2025-08-08): please see docs uploaded | 08/12/2025 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 539484118 |  |  |  | [redacted] |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  |  |  |  |  | Reviewer Comment (2025-07-29): Received and associated Permanent Resident Alien Card. Exception Cleared.<br>Buyer Comment (2025-07-25): see uploaded docs | 07/29/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 544504794 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing letter of explanation explaining reason subject property is vacant. |  |  |  | Reviewer Comment (2025-07-23): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-21): See Uploaded LOX for explanation of vacancy<br>Buyer Comment (2025-07-21): See Uploaded LOX for vacancy | 07/23/2025 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 525621120 |  |  |  | [redacted] |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | Missing Cash-out Utilization Letter and Letter addressing why property is vacant. |  |  |  | Reviewer Comment (2025-07-24): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-07-22): Cash-out for business purpose. | 07/24/2025 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 598812258 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-08-06): Received and associated Operating Agreement document. Exception cleared.<br>Buyer Comment (2025-08-04): Please see attached operating agreement | 08/06/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 598812258 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-07-25): Received and associated Certificate of Good Standing. Exception cleared.<br>Buyer Comment (2025-07-23): cert uploaded | 07/25/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 535216076 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-08-08): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-07): please see attached | 08/08/2025 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 536447050 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved to allow proceeds from reserve mortgage to be used in lieu of 1031 funds. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-23): Lender exception in file. |  |  | 07/23/2025 | 2 B |  | [redacted] | Investment | Purchase | B A |  | N/A | No |
|  | 549560407 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-08-04): A Business Purpose Cert was provided.<br>Buyer Comment (2025-07-31): See Uploaded Business Purpose and Occupancy Affidavit | 08/04/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 549560407 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Complete Fraud report for each Borrower is required. |  |  |  | Reviewer Comment (2025-07-28): Received and associated Fraud Report. Exception Cleared.<br>Buyer Comment (2025-07-24): See Drive report uploaded to condition #[Redacted]<br>Buyer Comment (2025-07-24): See Uploaded Drive Report | 07/28/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 549560407 |  |  |  | [redacted] |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  |  |  | Reviewer Comment (2025-07-28): Received and associated Fraud Report. Exception Cleared.<br>Buyer Comment (2025-07-24): See Drive report uploaded to condition #[Redacted]<br>Buyer Comment (2025-07-24): See Uploaded Drive Report | 07/28/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 549560407 |  |  |  | [redacted] |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Complete Fraud report for each Borrower is required. |  |  |  | Reviewer Comment (2025-07-28): Received and associated Fraud Report. Exception Cleared.<br>Buyer Comment (2025-07-24): See Drive report uploaded to condition #[Redacted]<br>Buyer Comment (2025-07-24): See Uploaded Drive Report | 07/28/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 588811104 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-07-30): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-07-28): See Uploaded business purpose & occupancy affidavit | 07/30/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 530082925 |  |  |  | [redacted] |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | The Hazard Insurance Policy Effective Date is after the later of the disbursement, note or transaction date. Hazard Insurance Policy Effective Date [Redacted]; Disbursement Date: [Redacted]; Note Date: [Redacted]; Transaction Date: [Redacted] |  |  |  | Reviewer Comment (2025-07-28): Received signed final closing statement for subject property reflects disbursement date as [Redacted], Hazard insurance policy is active at closing. Exception cleared<br>Buyer Comment (2025-07-28): Please see attached settlement statement for proof of [Redacted] disbursement date.<br>Buyer Comment (2025-07-24): Washington state is a dry funding state. Attached are the Final Settlement Statements signed by Seller and Purchasers with a disbursement date of [Redacted]. | 07/28/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 533639691 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Insufficient or no cure was provided to the borrower. | [Redacted]% tolerance was exceeded by $[Redacted] No valid COC provided, cure provided at closing. |  |  |  | Reviewer Comment (2025-06-16): [Redacted] received LOE and PCCD.<br>Buyer Comment (2025-06-16): PCCD documentation (with final SS for supporting documentation) uploaded for review. |  | 06/16/2025 |  | 2 C B |  | [redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 594791031 |  |  |  | [redacted] |  | Compliance | Compliance | State Compliance | Misc. State Level | ([redacted]50(a)(6)) [redacted] Cash-out Loan (T-42 Endorsement Not Obtained) | [Redacted] Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the [Redacted] endorsement or the [Redacted] endorsement. (The loan is a [Redacted] Section 50 (a)(6) home equity loan.) | The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. |  |  |  | Reviewer Comment (2025-01-14): Total Title endorsement fee - $[Redacted] breakdown received, T-42 and T-42.1 Exceptions are included. Form T-64 also confirms the same, exception cleared.<br>Seller Comment (2025-01-10): Closing CD state's all the endorsements. The final title policy will include these endorsements however it will not be ready for [Redacted] days.<br> [Redacted] [Redacted]- CD REFLECTING ENDORSEMENTS.pdf (Unclassified) was uploaded | 01/14/2025 |  |  | 1 B A |  | [redacted] | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation D A | Non QM | Non QM | No |
|  | 594791031 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Point Fee disclosed as $[Redacted] on CD dated [Redacted], but disclosed as $[Redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-01-08): [Redacted] received valid COC document.<br>Seller Comment (2025-01-07): COC<br> [Redacted] - COC.pdf (Unclassified) was uploaded | 01/08/2025 |  |  | 1 C A |  | [redacted] | 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 | Non QM | Non QM | Yes |
|  | 594791031 |  |  |  | [redacted] |  | Compliance | Compliance | State Compliance | State Defect | ([redacted]50(a)(6)) [redacted] Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. | Acknowledgment of the Fair Market Value not properly executed by the Lender. |  |  |  | Reviewer Comment (2025-01-10): Updated Fair Market value provided and verified. Exception cleared.<br>Seller Comment (2025-01-09): [Redacted]- ACKNOWLEDGMENT OF FAIR MARKET VALUE.pdf (Unclassified) was uploaded | 01/10/2025 |  |  | 1 C A D |  | [redacted] | 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. | Non QM | Non QM | Yes |
|  | 566683788 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | CPA letter in file used for income documentation was dated [Redacted]. Note date is [Redacted]. The most recent income documentation must be dated no more than [Redacted] calendar days earlier than the date of the loan application, and not more than [Redacted] days earlier than the date of the Note. An updated CPA letter is required verifying the borrower's ownership percentage and length of ownership. |  |  |  | Reviewer Comment (2025-09-11): Received and associated CPA Letter. Exception Cleared.<br>Seller Comment (2025-09-10): See attached CPA letter. Please clear. | 09/11/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 566683788 |  |  |  | [redacted] |  | 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 loan is at ATR risk due to missing current income documentation. CPA letter in file used for income documentation was dated [Redacted]. Note date is [Redacted]. The most recent income documentation must be dated no more than [Redacted] calendar days earlier than the date of the loan application, and not more than [Redacted] days earlier than the date of the Note. An updated CPA letter is required verifying the borrower's ownership percentage and length of ownership. |  |  |  | Reviewer Comment (2025-09-11): Received and associated CPA Letter. Exception Cleared.<br>Seller Comment (2025-09-10): Waterfall to [Redacted] | 09/11/2025 |  |  | 1 B A C |  | [redacted] | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 566683788 |  |  |  | [redacted] |  | 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 loan is at ATR risk due to missing current income documentation. CPA letter in file used for income documentation was dated [Redacted]. Note date is [Redacted]. The most recent income documentation must be dated no more than [Redacted] calendar days earlier than the date of the loan application, and not more than [Redacted] days earlier than the date of the Note. An updated CPA letter is required verifying the borrower's ownership percentage and length of ownership. |  |  |  | Reviewer Comment (2025-09-11): Received and associated CPA Letter. Exception Cleared.<br>Seller Comment (2025-09-10): Waterfall to [Redacted] | 09/11/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 525627377 |  |  |  | [redacted] |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provide evidence the policy includes [Redacted]% replacement cost. |  |  |  | Reviewer Comment (2025-07-28): Received and Associated Replacement Cost Estimator document. Exception cleared.<br>Buyer Comment (2025-07-24): See docs provided | 07/28/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 525627377 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax and HOA verification were not provided. |  |  |  | Reviewer Comment (2025-08-01): Received and associated Tax Verification and HOA Verification for the property at [Redacted]. Exception cleared.<br>Buyer Comment (2025-07-30): Please see attached | 08/01/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 525627377 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing mortgage statement and HOA verification. |  |  |  | Reviewer Comment (2025-08-08): Received and associated Mortgage Statement and HOA Verification for the property at [Redacted]. Exception cleared.<br>Buyer Comment (2025-08-07): See docs provided | 08/08/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 525627377 |  |  |  | [redacted] |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing 12 month payment history for primary residence rental. |  |  |  | Reviewer Comment (2025-08-08): Received and associated Bank Statement, VOR and Rent-free Letter. Exception cleared.<br>Buyer Comment (2025-08-07): See docs provided<br>Reviewer Comment (2025-07-29): Received VOR is showing 9 months housing history, as per Guidelines 12 months primary housing history required. Please provide previous housing history for Co-Borrower ([Redacted]) listed in final 1003 for"[Redacted]", or "Rent free letter". Exception remains<br>Buyer Comment (2025-07-25): Please see attached VOR<br>Buyer Comment (2025-07-25): Please see attached VOR. | 08/08/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 592404353 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Pay History not provided |  | Missing 12 month housing history for current primary. |  |  |  | Reviewer Comment (2025-08-15): Received and associated Verification of Rent (VOR) and Rent Free Letter. Exception Cleared.<br>Buyer Comment (2025-08-13): Please see attached<br>Reviewer Comment (2025-08-01): As per guidelines Most recent 12 months cancelled checks, bank statements, or pay histories is Required. Exception remains.<br>Buyer Comment (2025-07-30): Housing history | 08/15/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 592404353 |  |  |  | [redacted] |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Gift Funds shown on Final 1003 and deposit has been sourced. Missing corresponding Gift Letter in the amount of $[Redacted]. |  |  |  | Reviewer Comment (2025-08-04): Received and associated Gift Letter. Exception Cleared.<br>Buyer Comment (2025-07-31): Gift letter | 08/04/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 553047933 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-29): Sufficient Cure Provided At Closing |  | 07/29/2025 |  | 1 A |  | [redacted] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 553047933 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of borrower's percentage of business ownership for [Redacted]. |  |  |  | Reviewer Comment (2025-08-11): CPA letter was provided.<br>Buyer Comment (2025-08-07): See docs provided<br>Reviewer Comment (2025-08-06): Documentation provided however validation of the CPA license/PTIN is required per guidelines.<br>Buyer Comment (2025-08-02): LOX uploaded applies to both conditions<br>Buyer Comment (2025-08-02): docs uploaded | 08/11/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 553047933 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of borrower's ownership percentage of [Redacted]. |  |  |  | Reviewer Comment (2025-08-11): CPA letter was provided.<br>Buyer Comment (2025-08-07): See docs provided<br>Reviewer Comment (2025-08-06): Documentation provided however validation of the CPA license/PTIN is required per guidelines. | 08/11/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 558320160 |  |  |  | [redacted] |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-08-05): Documentation provided; exception cleared. | 08/05/2025 |  |  | 1 A |  | [redacted] | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 558320160 |  |  |  | [redacted] |  | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]% Compliant Higher Priced Loan. |  |  |  |  | Reviewer Comment (2025-10-01): The client accepts as is.<br>Buyer Comment (2025-08-06): [redacted] HPML- NQM loan |  |  | 10/01/2025 | 2 B |  | [redacted] | Primary | Purchase | No obvious cure B A | Non QM | Non QM | No |
|  | 558320160 |  |  |  | [redacted] |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the title evidence in file. |  |  |  | Reviewer Comment (2025-08-05): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-01): See Uploaded Title documents | 08/05/2025 |  |  | 1 B A |  | [redacted] | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 519014390 |  |  |  | [redacted] |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR Provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-08-08): Received and associated Replacement Cost Estimate document. Exception Cleared.<br>Buyer Comment (2025-08-06): See docs provided | 08/08/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 511317210 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-14): [Redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-08-13): please see correct docs for borrower<br>Reviewer Comment (2025-08-08): [Redacted] received PCCD, LOE and proof of mailing, however, copy of refund check provided is not for this file as borrower name is different on check. Please provide copy of refund check to re-evaluate the exception.<br>Buyer Comment (2025-08-07): See docs provided |  | 08/14/2025 |  | 2 C B |  | [redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 500947140 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to consider property as Non-Rural due to no zoning. Exception is to [Redacted] guidelines only. Approval in file. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>DTI is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-08-07): Lender exception in file.<br>Buyer Comment (2025-08-05): See docs provided |  |  | 08/07/2025 | 2 C B |  | [redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 506962099 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-08-05): Received and associated UCDP Submission Summary Report document with score #[Redacted]. Exception Cleared.<br>Buyer Comment (2025-08-01): Attached<br>Buyer Comment (2025-08-01): Fannie UCDP summary score 1 | 08/05/2025 |  |  | 1 D A |  | [redacted] | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 506962099 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a final copy of the borrower's seller CD for REO sold, and funds being used for closing. |  |  |  | Reviewer Comment (2025-08-06): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-04): Please see attached | 08/06/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 504666911 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file does not contain the copy of the Business Narrative |  |  |  | Reviewer Comment (2025-08-15): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-14): See uploaded complete business narrative | 08/15/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 504666911 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | The file does not contain the copy of the final Approval |  |  |  | Reviewer Comment (2025-08-08): Received and associated Approval. Exception cleared.<br>Buyer Comment (2025-08-07): See Uploaded Loan Approval | 08/08/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 504666911 |  |  |  | [redacted] |  | 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. | Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2025-08-15): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-13): Please Review as Waterfall to condition #[Redacted]<br>Reviewer Comment (2025-08-05): Guidelines require two additional months PITI for every additional financed REO, [Redacted] months reserves required.<br>Buyer Comment (2025-08-01): [Redacted] guidelines require 9 months reserves. Reserve requirements have been met. Please Review for Clear. | 08/15/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 504666911 |  |  |  | [redacted] |  | 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. |  |  |  |  | Reviewer Comment (2025-08-15): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-13): Please Review as Waterfall to condition #[Redacted]<br>Reviewer Comment (2025-08-05): Guidelines require two additional months PITI for every additional financed REO, [Redacted] months reserves required.<br>Buyer Comment (2025-08-01): [Redacted] guidelines require 9 months reserves. Reserve requirements have been met. Please Review for Clear. | 08/15/2025 |  |  | 1 B A C |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 504666911 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. |  | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | [Redacted] FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-11): The client elects to waive.<br>Buyer Comment (2025-08-07): exception uploaded allowing [Redacted] mths vs [Redacted] mths<br>Reviewer Comment (2025-08-05): Guidelines require two additional months PITI for every additional financed REO, [Redacted] months reserves required.<br>Buyer Comment (2025-08-01): [Redacted] guidelines require 9 months reserves. Reserve requirements have been met. Please Review for Clear. |  |  | 08/11/2025 | 2 C B |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 571272653 |  |  |  | [redacted] |  | 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. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-08-07): [Redacted] received [Redacted] CD 3 business days prior to consummation.<br>Buyer Comment (2025-08-05): Please see attached initial CD dated [Redacted] | 08/07/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
|  | 570879052 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-30): Sufficient Cure Provided At Closing |  | 07/30/2025 |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 593770459 |  |  |  | [redacted] |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-08-05): Received and associated E-Sign Consent Agreement. Exception Cleared.<br>Buyer Comment (2025-08-04): Please see attached | 08/05/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 594218008 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Monthly Pension Income of $[Redacted] was claimed on Final 1003. The file is missing an Award Letter or other evidence of receipt and continuation. |  |  |  | Reviewer Comment (2025-08-15): Received and associated Award Letter & Paystub. Exception Cleared.<br>Buyer Comment (2025-08-13): See additional income docs.<br>Buyer Comment (2025-08-13): See signed statement provided for the $[Redacted]. Still waiting on documentation for the other pension $[Redacted].<br>Reviewer Comment (2025-08-08): The document provided reflects $[Redacted] per month and appears to be an annuity, and this is unsigned. Additional documentation is required. The Underwriter Summary reflects the annuity of $[Redacted] and pension from [Redacted] for $[Redacted], which is not in the file for B1, only B2.<br>Buyer Comment (2025-08-06): See docs provided | 08/15/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 594218008 |  |  |  | [redacted] |  | 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. | Loan designation discrepancy due to missing income documentation. Monthly Pension Income of $[Redacted] was claimed on Final 1003. The file is missing an Award Letter or other evidence of receipt and continuation. |  |  |  | Reviewer Comment (2025-08-18): Documentation provided; exception cleared.<br>Reviewer Comment (2025-08-08): The document provided reflects $[Redacted] per month and appears to be an annuity, and this is unsigned. Additional documentation is required. The Underwriter Summary reflects the annuity of $[Redacted] and pension from [Redacted] for $[Redacted], which is not in the file for B1, only B2.<br>Buyer Comment (2025-08-06): See docs provided | 08/18/2025 |  |  | 1 B A C |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 594218008 |  |  |  | [redacted] |  | 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 loan is at risk due to missing income documentation. Monthly Pension Income of $[Redacted] was claimed on Final 1003. The file is missing an Award Letter or other evidence of receipt and continuation. |  |  |  | Reviewer Comment (2025-08-18): Documentation provided; exception cleared.<br>Reviewer Comment (2025-08-08): The document provided reflects $[Redacted] per month and appears to be an annuity, and this is unsigned. Additional documentation is required. The Underwriter Summary reflects the annuity of $[Redacted] and pension from [Redacted] for $[Redacted], which is not in the file for B1, only B2.<br>Buyer Comment (2025-08-06): See docs provided | 08/18/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 535005728 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-08-05): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-02): docs uploaded | 08/05/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 544277298 |  |  |  | [redacted] |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-08-01): Received and associated Title Final with title policy amount $[Redacted]. Exception cleared. | 08/01/2025 |  |  | 1 A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 544277298 |  |  |  | [redacted] |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in the 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 (2025-08-01): Received and associated Title Final with title policy amount $[Redacted]. Exception cleared.<br>Buyer Comment (2025-07-30): title with loan amount uploaded | 08/01/2025 |  |  | 1 B A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 544277298 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The file was missing a copy of the Business Purpose Certificate. |  |  |  | Reviewer Comment (2025-08-01): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-07-30): Buss purpose cert uploaded | 08/01/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 596365095 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Secondary valuation is missing for securitization purposes |  |  |  | Reviewer Comment (2025-08-08): Received secondary valuation CDA with value $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-08-06): CDA | 08/08/2025 |  |  | 1 D A |  | [redacted] | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
|  | 596365095 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2025-08-13): Received Article of Organization and amendment for business name change. Exception Cleared.<br>Buyer Comment (2025-08-11): Please review page 30 to see business changed names from [Redacted].<br>Reviewer Comment (2025-08-07): Received Article of Organization with incorrect business name. Please provide Article of Organization with the name of '[Redacted]'. Exception remains.<br>Buyer Comment (2025-08-05): Formation doc | 08/13/2025 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
|  | 596365095 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating agreement was not provided in the file. |  |  |  | Reviewer Comment (2025-08-07): Received and Associated Operating agreement. Exception Cleared.<br>Buyer Comment (2025-08-05): Operating agreement | 08/07/2025 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
|  | 596365095 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2025-08-07): Received and Associated Corporate Resolution. Exception Cleared.<br>Buyer Comment (2025-08-05): Corporate resolution | 08/07/2025 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
|  | 596365095 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved to allow escrow waiver on non HPML loan. | Borrower has owned the subject property for at least [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | [Redacted] months reserves.<br>LTV is [Redacted]% below guideline max. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-28): Lender exception in file. |  |  | 07/28/2025 | 2 B |  | [redacted] | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
|  | 530224622 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-08-06): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-05): See docs provided | 08/06/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 541396386 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  |  |  |  |  | Reviewer Comment (2025-08-08): PDI with no visible damage was provided.<br>Buyer Comment (2025-08-06): Disaster inspection<br>Buyer Comment (2025-08-05): [Redacted] disaster announcement. In file appraisal inspection date: [Redacted]. Please clear. | 08/08/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 541396386 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-08-04): Received and associated Loan Underwriting and Transmittal Summary (1008) / MCAW. Exception Cleared<br>Buyer Comment (2025-07-31): Attached<br>Buyer Comment (2025-07-31): 1008 | 08/04/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 516557177 |  |  |  | [redacted] |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-08-05): Received and associated Title Final with title policy amount $[Redacted]. Exception cleared. | 08/05/2025 |  |  | 1 A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 516557177 |  |  |  | [redacted] |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is blank. A Final policy was not provided. |  |  |  | Reviewer Comment (2025-08-05): Received and associated Title Final with title policy amount $[Redacted]. Exception cleared.<br>Buyer Comment (2025-08-04): Please see attached | 08/05/2025 |  |  | 1 B A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 516557177 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Prepayment Note Addendum is page #2 the signature page |  |  |  | Reviewer Comment (2025-08-08): Received and associated Note Addendum - Prepayment. Exception cleared.<br>Buyer Comment (2025-08-07): See docs provided<br>Reviewer Comment (2025-08-05): Received the Note Addendum - Prepayment document; however, the borrower signature page is missing. Please provide the complete Note Addendum - Prepayment document including the signature page. Exception remains<br>Buyer Comment (2025-08-03): See docs provided | 08/08/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | Yes |
|  | 560358238 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to allow First Tine Investor with Short Term Rental income subject to [Redacted] months reserves and a required [Redacted] of [Redacted] or greater. Approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted]points. | Approved exception in file with comp factors noted | SitusAMC,Originator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-18): Approved exception in file with comp factors noted. |  |  | 07/18/2025 | 2 B |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 560358238 |  |  |  | [redacted] |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided |  | Lender exception in file states [Redacted] was used to determine future income and calculate [Redacted]. Documents were not provided to support the [Redacted] used at origination. |  |  |  | Reviewer Comment (2025-07-31): Received and associated Vacation Rental Income Statement ([Redacted], [Redacted], etc.). Exception Cleared.<br>Buyer Comment (2025-07-29): See attached [Redacted] report<br>Reviewer Comment (2025-07-25): As per the provided Lender exception '[Redacted] was used to determine rental income and calculate the [Redacted]'. Please provide [Redacted] or supporting documents to calculate [Redacted]. Exception remains.<br>Buyer Comment (2025-07-23): See docs provided | 07/31/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 560358238 |  |  |  | [redacted] |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  | Lender exception in file states [Redacted] was used to determine future income and calculate [Redacted]. Documents were not provided to support the [Redacted] used at origination. |  |  |  | Reviewer Comment (2025-08-22): Documentation provided, exception cleared.<br>Buyer Comment (2025-08-22): REVISED- exception to use [Redacted] was on the approval<br>Buyer Comment (2025-08-22): Updated exception removing the [Redacted] reference as [Redacted] was not used..<br>Reviewer Comment (2025-07-31): Please provide 1007 Rent Comparison Schedule from 1004 Appraisal for subject property. Exception remains.<br>Buyer Comment (2025-07-29): See attached [Redacted] Report<br>Reviewer Comment (2025-07-25): As per the provided Lender exception '[Redacted] was used to determine rental income and calculate the [Redacted]'. Please provide [Redacted] or supporting documents to calculate [Redacted]. Exception remains.<br>Buyer Comment (2025-07-23): See docs provided | 08/22/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C B A |  | N/A | No |
|  | 518201948 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-07-31): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-30): See docs provided | 07/31/2025 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 518201948 |  |  |  | [redacted] |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Subject property appraisal shows property has a tenant. A current lease agreement was not provided. If property is not leased, Borrower must provide a letter of explanation for why the property is vacant. |  |  |  | Reviewer Comment (2025-08-11): Received and associated Rent Increase document. Exception Cleared.<br>Buyer Comment (2025-08-08): See docs provided<br>Reviewer Comment (2025-07-31): The 1007 reflects current rents of $[Redacted], the lease provided reflects monthly rent of $[Redacted], which causes the dscr to fall below 1. Provide the updated lease or addendum to existing lease that reflects the increased rent of $[Redacted].<br>Buyer Comment (2025-07-30): See docs provided | 08/11/2025 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 579060590 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Insufficient assets verified to meet reserve requirement. |  |  |  | Reviewer Comment (2025-07-30): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-29): Appraisal invoice showing $[Redacted] paid by borrower's credit card. Available balance for reserves is $[Redacted] + $[Redacted] = $[Redacted]. Uploaded to [Redacted]. | 07/30/2025 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 579060590 |  |  |  | [redacted] |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  |  |  |  |  | Reviewer Comment (2025-07-30): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-29): Appraisal invoice showing paid by [Redacted]<br>Buyer Comment (2025-07-29): Appraisal invoice showing $[Redacted] paid by borrower's credit card. Available balance for reserves is $[Redacted] + $[Redacted] = $[Redacted]. Uploaded to [Redacted]. | 07/30/2025 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 579060590 |  |  |  | [redacted] |  | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. |  |  |  |  |  | Reviewer Comment (2025-07-30): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-29): Appraisal invoice showing $[Redacted] paid by borrower's credit card. Available balance for reserves is $[Redacted] + $[Redacted] = $[Redacted]. | 07/30/2025 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 554078512 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | File was missing a copy of hazard policy. |  |  |  | Reviewer Comment (2025-08-15): Received and associated Hazard Insurance Policy. Exception Cleared.<br>Buyer Comment (2025-08-13): Please see attached | 08/15/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 569547780 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-08-07): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-08-06): See docs provided | 08/07/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 502786722 |  |  |  | [redacted] |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | The file was missing a copy of the required fraud report including all interested parties to the transaction. |  |  |  | Reviewer Comment (2025-08-11): Received and associated Fraud Report. Exception Cleared.<br>Buyer Comment (2025-08-08): Fraud report uploaded to [Redacted]. | 08/11/2025 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 502786722 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  |  |  |  |  | Reviewer Comment (2025-08-11): Received and associated Fraud Report. Exception Cleared.<br>Buyer Comment (2025-08-08): Fraud report uploaded to [Redacted]. | 08/11/2025 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 502786722 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing a copy of the required fraud report including all interested parties to the transaction. |  |  |  | Reviewer Comment (2025-08-11): Received and associated Fraud Report. Exception Cleared.<br>Buyer Comment (2025-08-08): Fraud report | 08/11/2025 |  |  | 1 C A |  | [redacted] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 502786722 |  |  |  | [redacted] |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. 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 (2025-08-12): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-08): Loan amount on page 5. | 08/12/2025 |  |  | 1 B A |  | [redacted] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 533751749 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-08-22): Received and associated Business Purpose Certificate. Exception cleared.<br>Buyer Comment (2025-08-21): buss aff uploaded | 08/22/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 533751749 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The subject property is located in a FEMA disaster area. The most recent inspection is dated prior to the recent FEMA disaster. Disaster end date was [Redacted]. <br> Provide a post-disaster inspection report showing no damage to the property. |  |  |  | Reviewer Comment (2025-08-27): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-25): Disaster inspection uploaded<br>Reviewer Comment (2025-08-11): This is a Securitization requirement and can be waived to a B grade. PDI is required dated after the end date for an A grade.<br>Buyer Comment (2025-08-06): attached<br>Buyer Comment (2025-08-06): Arc FEMA announcement | 08/27/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 558447395 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-08-22): Received and associated Fraud Report. Exception cleared.<br>Buyer Comment (2025-08-21): See Uploaded Fraud Report | 08/22/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 558447395 |  |  |  | [redacted] |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  |  |  | Reviewer Comment (2025-08-22): Received and associated Fraud Report. Exception cleared.<br>Buyer Comment (2025-08-21): See Uploaded Fraud Report | 08/22/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 558447395 |  |  |  | [redacted] |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2025-08-22): Received and associated Fraud Report. Exception cleared.<br>Buyer Comment (2025-08-21): See Uploaded Fraud Report | 08/22/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 503202051 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA Verification not provided. |  |  |  | Reviewer Comment (2025-08-27): Received and associated HOA Verification. Exception cleared.<br>Buyer Comment (2025-08-25): Uploaded docs<br>Reviewer Comment (2025-08-08): Please Provide HOA Verification for "[Redacted]. Exception Remains.<br>Buyer Comment (2025-08-06): Please see page 3 of attached. | 08/27/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 503202051 |  |  |  | [redacted] |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $[Redacted] is less than Cash From Borrower $[Redacted]. Business assets were used to qualify. Require CPA, EA, or licensed tax preparer's letter stating that the use of funds in the transaction will not have a material adverse impact on the business' operations for each separate business account used. Evidence of access to funds for Business Bank account [Redacted] was not provided. |  |  |  | Reviewer Comment (2025-08-22): Received and associated Cash Flow analysis and Letter of Explanation, Sufficient assets for closing and reserve requirement verified. Exception cleared.<br>Buyer Comment (2025-08-21): See docs provided<br>Buyer Comment (2025-08-20): See docs provided | 08/22/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 503202051 |  |  |  | [redacted] |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | Calculated Available for Reserves $[Redacted] is less than Guideline Available for Reserves of $[Redacted]. Business assets were used to qualify. Require CPA, EA, or licensed tax preparer's letter stating that the use of funds in the transaction will not have a material adverse impact on the business' operations for each separate business account used. Evidence of access to funds for Business Bank account [Redacted] was not provided. |  |  |  | Reviewer Comment (2025-08-22): Received and associated Cash Flow analysis and Letter of Explanation, Sufficient assets for closing and reserve requirement verified. Exception cleared.<br>Buyer Comment (2025-08-20): See docs provided | 08/22/2025 |  |  | 1 C A |  | [redacted] | Investment | Purchase | C A |  | N/A | No |
|  | 581254239 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization Purposes. |  |  |  | Reviewer Comment (2025-07-29): Received secondary valuation Field Review. Exception Cleared.<br>Buyer Comment (2025-07-25): Please see attached field review | 07/29/2025 |  |  | 1 D A |  | [redacted] | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 581254239 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Business Narrative is Missing |  |  |  | Reviewer Comment (2025-08-05): Received and associated Business Narrative. Exception Cleared.<br>Buyer Comment (2025-08-04): Please see attached | 08/05/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 581254239 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud report document. |  |  |  | Reviewer Comment (2025-07-25): Received and associated Fraud Report. Exception Cleared.<br>Buyer Comment (2025-07-23): see fraud report | 07/25/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 581254239 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-08-19): Received email confirmation stating that the appraisal was delivered to borrower on [Redacted]. Exception cleared. | 08/19/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 581254239 |  |  |  | [redacted] |  | 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. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2025-08-19): Received email confirmation stating that the appraisal was delivered to borrower on [Redacted]. Exception cleared.<br>Buyer Comment (2025-08-18): please see attached appraisal delivery | 08/19/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 581254239 |  |  |  | [redacted] |  | 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 Field Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Field Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. ([Redacted]) |  |  |  | Reviewer Comment (2025-08-25): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-22): Please see copy of check<br>Reviewer Comment (2025-08-21): [Redacted] received LOE to borrower, proof of mailing, Corrected CD. Missing Copy of Refund Check.<br>Buyer Comment (2025-08-20): See cure provided |  | 08/25/2025 |  | 2 C B |  | [redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 581254239 |  |  |  | [redacted] |  | 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. | Missing business narrative. |  |  |  | Reviewer Comment (2025-08-05): Received and associated Business Narrative. Exception Cleared.<br>Buyer Comment (2025-08-04): Please see attached | 08/05/2025 |  |  | 1 B A C |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes |
|  | 581254239 |  |  |  | [redacted] |  | 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. | Missing business narrative. |  |  |  | Reviewer Comment (2025-08-05): Received and associated Business Narrative. Exception Cleared.<br>Buyer Comment (2025-08-04): Please see uploaded business narrative | 08/05/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 555639031 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing [Redacted] yr 1099 transcripts. |  |  |  | Reviewer Comment (2025-08-28): Received and associated 1099 Transcript. Exception Cleared.<br>Buyer Comment (2025-08-26): See docs provided<br>Reviewer Comment (2025-08-05): The file is missing the 1099 transcripts, exception remains.<br>Buyer Comment (2025-08-01): Please see attached | 08/28/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 555639031 |  |  |  | [redacted] |  | 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) Risk. | Missing [Redacted] yrs 1099 transcripts required per guidelines |  |  |  | Reviewer Comment (2025-08-28): Received and associated 1099 Transcript. Exception Cleared.<br>Buyer Comment (2025-08-26): See docs provided<br>Reviewer Comment (2025-08-05): The file is missing the 1099 transcripts, exception remains.<br>Buyer Comment (2025-08-01): Please see attached 1099s. | 08/28/2025 |  |  | 1 A |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 555639031 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2025-08-28): Received and associated 1099 Transcript. Exception Cleared.<br>Buyer Comment (2025-08-26): See docs provided | 08/28/2025 |  |  | 1 A |  | [redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 544457359 |  |  |  | [redacted] |  | 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. | Missing pay stub or WVOE for co-borrower's wage income that is dated within [Redacted] days of the Note date. Also, missing validity of CPA for borrower bank statement business. |  |  |  | Reviewer Comment (2025-08-20): Loan is NonQM<br>Reviewer Comment (2025-08-20): G Rate allows documentation up to 120 days prior to Note date. Please override.<br>Buyer Comment (2025-08-14): CPA validity was provided and the condition was cleared - guidelines allow 120 days on paystubs...not 90. Please review guides and clear. | 08/20/2025 |  |  | 1 B A C |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
|  | 544457359 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-25): Sufficient Cure Provided At Closing |  | 07/25/2025 |  | 1 A |  | [redacted] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 544457359 |  |  |  | [redacted] |  | 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 Verification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-25): Sufficient Cure Provided At Closing |  | 07/25/2025 |  | 1 A |  | [redacted] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 544457359 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | An [redacted] lender exception given for Borrower transitioned from salaried W2 employment to 1099 Self - employment [Redacted], missing lender exception from G Rate. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [Redacted] months PITIA or more.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Buyer Comment (2025-08-07): See docs provided<br>Reviewer Comment (2025-08-07): Provide a G Rate exception please.<br>Buyer Comment (2025-08-05): Per G rate's guidelines - docs can be 120 days old. Please review |  |  | 08/11/2025 | 2 C B |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 544457359 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Missing validity of CPA for borrower's bank statement income. |  |  |  | Reviewer Comment (2025-08-11): CPA Lette was provided.<br>Reviewer Comment (2025-08-11): Business funds were not used.<br>Buyer Comment (2025-08-08): Only personal funds were used - business funds were not used per lender.<br>Reviewer Comment (2025-08-06): Received CPA Letter, which is not stating about business funds we can use. Please provide CPA letter stating, 'that use of business funds will not have a negative impact on the business'. Exception remains.<br>Buyer Comment (2025-08-03): See docs provided | 08/11/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 544457359 |  |  |  | [redacted] |  | 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. | Missing validity of cpa. |  |  |  | Reviewer Comment (2025-08-18): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-14): CPA validity was provided and the condition was cleared - guidelines allow 120 days on paystubs...not 90. Please review guides and clear. | 08/18/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 564534521 |  |  |  | [redacted] |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | File is missing a copy of Gift Letter |  |  |  | Reviewer Comment (2025-08-06): Received Gift Letter. Exception cleared.<br>Buyer Comment (2025-08-04): See attached gift letter | 08/06/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 564534521 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing validation of CPA. |  |  |  | Reviewer Comment (2025-08-13): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-11): Please see attached | 08/13/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 501913005 |  |  |  | [redacted] |  | 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 HOA/Condo Questionnaire. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-29): Sufficient Cure Provided At Closing |  | 07/29/2025 |  | 1 A |  | [redacted] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 501913005 |  |  |  | [redacted] |  | 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 Insurance Binder Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-29): Sufficient Cure Provided At Closing |  | 07/29/2025 |  | 1 A |  | [redacted] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 501913005 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved for a non-warrantable condo with incomplete repairs that are currently ongoing and funded by a special assessment approved in [Redacted]. | Borrower has a clean housing payment history<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [Redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Housing payment history is clean for [Redacted] months | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-31): The client elects to waive. |  |  | 07/31/2025 | 2 B |  | [redacted] | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 525913155 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] 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 [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] 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 [Redacted]). (Final/[Redacted]) |  |  |  | Reviewer Comment (2025-08-25): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-08-22): PCCD<br>Reviewer Comment (2025-08-20): [Redacted] recieved LOE to borrowre, copy of cure refund and proof of mailing. Missing copy of Corrected CD to finalize.<br>Buyer Comment (2025-08-19): Cure docs |  | 08/25/2025 |  | 2 C B |  | [redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
|  | 525913155 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] 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 $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] 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 $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). (Final/[Redacted]) |  |  |  | Reviewer Comment (2025-08-25): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-08-22): PCCD uploaded to [Redacted]<br>Reviewer Comment (2025-08-20): [Redacted] recieved LOE to borrowre, copy of cure refund and proof of mailing. Missing copy of Corrected CD to finalize.<br>Buyer Comment (2025-08-19): Cure docs uploaded to [Redacted] |  | 08/25/2025 |  | 2 C B |  | [redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
|  | 525913155 |  |  |  | [redacted] |  | 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 Administration Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-25): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-22): PCCD uploaded to [Redacted]<br>Reviewer Comment (2025-08-20): [Redacted] received LOE, copy of refund check & proof of mailing. Missing PCCD. Please provide PCCD to cure the exception<br>Buyer Comment (2025-08-19): Cure docs uploaded to [Redacted] |  | 08/25/2025 |  | 2 C B |  | [redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 552099984 |  |  |  | [redacted] |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-08-14): Documentation provided; exception cleared. | 08/14/2025 |  |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
|  | 552099984 |  |  |  | [redacted] |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard coverage of $[Redacted] is sufficient to cover the mortgage amount of $[Redacted] however is insufficient to cover the estimated cost new of $[Redacted]. Please provide a letter from the Insurer stating the maximum insurable amount and/or a replacement costs estimator from the insurer. Coverage shortfall is $[Redacted]. |  |  |  | Reviewer Comment (2025-08-14): Documentation provided; exception cleared.<br>Reviewer Comment (2025-08-14): Sent email to [redacted] to verify we are using depreciated value on RCE.<br>Buyer Comment (2025-08-13): see docs uploaded | 08/14/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
|  | 552099984 |  |  |  | [redacted] |  | Compliance | Compliance | State Compliance | Misc. State Level | ([redacted]50(a)(6)) [redacted] Cash-out Loan (T-42 Endorsement Not Obtained) | [redacted] Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the [Redacted] endorsement or the [Redacted] endorsement. (The loan is a [Redacted] Section 50 (a)(6) home equity loan.) | Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. |  |  |  | Reviewer Comment (2025-08-18): Documentation provided; exception cleared.<br>Buyer Comment (2025-08-14): it contains both - please review again - the 3rd, 12th, 14th and 15th boxes are marked. [Redacted] are the T42 and T42.1. The alignment is bit off but it is both of the required endorsements.<br>Reviewer Comment (2025-08-14): Final policy provided reflects T-42.1 only. You can accept this level 2 exception as is.<br>Buyer Comment (2025-08-12): See docs provided | 08/18/2025 |  |  | 1 B A |  | [redacted] | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C A B | Non QM | Non QM | No |
|  | 541330874 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted] | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [Redacted] | SitusAMC | Reviewer Comment (2025-08-19): Property inspected after declaration date, prior to end date.<br>Buyer Comment (2025-08-15): Post disaster inspection<br>Reviewer Comment (2025-08-15): A PDI is required, exception remains.<br>Buyer Comment (2025-08-12): Arc allows after [Redacted]<br>Buyer Comment (2025-08-12): Arc announcement |  |  | 08/19/2025 | 2 C B |  | [redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 541330874 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud report document. |  |  |  | Reviewer Comment (2025-08-14): Received and associated Fraud Report. Exception Cleared.<br>Buyer Comment (2025-08-12): Attached<br>Buyer Comment (2025-08-12): Fraud report | 08/14/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 537157046 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 08/13/2025 |  | 1 A |  | [redacted] | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 537157046 |  |  |  | [redacted] |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  |  | 08/28/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 514040631 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-21): [Redacted] received Post CD, LOX and Final SS for the reduction of title and recording fees.<br>Buyer Comment (2025-08-20): See docs provided | 08/21/2025 |  |  | 1 C A |  | [redacted] | 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 | Non QM | Non QM | Yes |
|  | 566737350 |  |  |  | [redacted] |  | 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 [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Loan is at risk diue to missing income documentation. [Redacted] Tax returns or [Redacted] Tax transcripts for each borrower were not provided. |  |  |  | Reviewer Comment (2025-10-01): The client accepts as is.<br>Reviewer Comment (2025-09-26): Client accepts as is.<br>Seller Comment (2025-09-24): Please accept as is.<br>Reviewer Comment (2025-09-19): This exception must be accepted as is. Tax extension does not clear this exception.<br>Seller Comment (2025-09-17): See [Redacted] tax filing extension starting on page 958 for business and personal returns. Please cancel. |  |  | 10/01/2025 | 2 B |  | [redacted] | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 566737350 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (2025-09-05): Sufficient Cure Provided At Closing |  | 09/05/2025 |  | 1 A |  | [redacted] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 540968994 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Appraisal show property as tenant occupied. A Lease agreement was not provided. Borrower intent is to remodel property per Letter in file. If property currently has no tenant Borrower must provide a letter of explanation for why the property is vacant. |  |  |  | Reviewer Comment (2025-09-09): Received and associated Lease Agreement. Exception cleared.<br>Buyer Comment (2025-09-05): Lease agreement and [Redacted] calculation. | 09/09/2025 |  |  | 1 C A D |  | [redacted] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 567281950 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-20): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-08-19): $[Redacted] cure listed on Final CD | 08/20/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 567281950 |  |  |  | [redacted] |  | 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 Electronic Document Delivery Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Electronic Document Delivery Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-04): [Redacted] received valid COC dated [Redacted]<br>Buyer Comment (2025-09-03): Detailed COC<br>Reviewer Comment (2025-08-26): [Redacted] received LOX for rebuttal response. However, we also required additional information and supporting documentation timeline on what new information received or required that impact to increase the price by Docusign and when was that information was received and to provide information supporting lender's knowledge of when they became aware of the price increased or Cure is due to borrower.<br>Buyer Comment (2025-08-22): additional explanation for consideration<br>Reviewer Comment (2025-08-20): [Redacted] received COC dated [Redacted] for increase in hybrid esigning fee but the reason provided is not sufficient as to what new information has received that resulted in increase in fee. Please provide information as to what changed circumstance occurred (as defined under [Redacted](e)(4)(A)-(F) that resulted in an increase in closing costs or cure would be required.<br>Buyer Comment (2025-08-19): COC | 09/04/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 567281950 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-09-04): Sufficient Cure Provided At Closing |  | 09/04/2025 |  | 1 A |  | [redacted] | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 572781801 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Investor to order appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-04-29): CDA has been captured in clarity, Exception is cleared.<br>Reviewer Comment (2025-02-09): Investor to order. No further comment from seller required.<br>Reviewer Comment (2025-02-09): No further comment from seller required.<br>Seller Comment (2025-02-07): [Redacted] to order 2nd appraisal. | 04/29/2025 |  |  | 1 D A |  | [redacted] | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 572781801 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2025-02-11): Received HOI.<br>Seller Comment (2025-02-07): See Attached | 02/11/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 572781801 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] disclosed a Principal and Interest Payment that does not match the actual payment for the loan. |  |  |  |  | Reviewer Comment (2025-02-09): Waived<br>Seller Comment (2025-02-07): [Redacted] Exception Per [Redacted] does not have to address please mark " Waived". Thank you [Redacted]. |  |  | 02/09/2025 | 2 B |  | [redacted] | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 572781801 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream [Redacted] that does not match the actual payment for the loan. | Construction perm. One year interest only. |  |  |  | Reviewer Comment (2025-02-09): Waived<br>Seller Comment (2025-02-07): [Redacted] Exception Per [Redacted] does not have to address please mark " Waived". Thank you [Redacted]. |  |  | 02/09/2025 | 2 B |  | [redacted] | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 572781801 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment - Fixed Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a maximum periodic principal and interest payment for payment stream [Redacted] that does not match the actual maximum payment for the loan. |  |  |  |  | Reviewer Comment (2025-02-09): Waived<br>Seller Comment (2025-02-07): [Redacted] Exception Per [Redacted] does not have to address please mark " Waived". Thank you [Redacted]. |  |  | 02/09/2025 | 2 B |  | [redacted] | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 572781801 |  |  |  | [redacted] |  | 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 [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Closing Disclosure pages 1 and 2 indicate no escrows, however page 4 indicates there will be an escrow account but lists all expense as non-escrowed. |  |  |  | Reviewer Comment (2025-02-09): Waived<br>Seller Comment (2025-02-07): [Redacted] Exception Per [Redacted] does not have to address please mark " Waived". Thank you [Redacted]. |  |  | 02/09/2025 | 2 B |  | [redacted] | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 572781801 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | Construction perm. [Redacted] interest only. |  |  |  | Reviewer Comment (2025-02-04): Sufficient Cure Provided At Closing |  | 02/04/2025 |  | 1 A |  | [redacted] | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 572781801 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - [Redacted] Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of [Redacted] on Final Closing Disclosure provided on [Redacted] are overdisclosed. | [Redacted] pages 1 and 2 indicate no [Redacted], however page 4 indicates there will be an escrow account but lists all expense as non-escrowed. |  |  |  | Reviewer Comment (2025-02-09): Waived<br>Seller Comment (2025-02-07): [Redacted] Exception Per [Redacted] does not have to address please mark " Waived". Thank you [Redacted]. |  |  | 02/09/2025 | 2 B |  | [redacted] | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 572781801 |  |  |  | [redacted] |  | 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 [Redacted] incorrectly disclosed whether the loan will have an escrow account. | [Redacted] pages 1 and 2 indicate no [Redacted], however page 4 indicates there will be an escrow account but lists all expense as non-escrowed. |  |  |  | Reviewer Comment (2025-02-09): Waived<br>Seller Comment (2025-02-07): [Redacted] Exception Per [Redacted] does not have to address please mark " Waived". Thank you [Redacted]. |  |  | 02/09/2025 | 2 B |  | [redacted] | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 572781801 |  |  |  | [redacted] |  | 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 [Redacted]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. | The earliest dated E-Consent is [Redacted] which was after the date of the initial Loan Estimate provided electronically issued [Redacted]. |  |  |  | Reviewer Comment (2025-02-09): Waived<br>Seller Comment (2025-02-07): [Redacted] Exception Per [Redacted] does not have to address please mark " Waived". Thank you [Redacted]. |  |  | 02/09/2025 | 2 B |  | [redacted] | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 553032788 |  |  |  | [redacted] |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-03-11): Final Title provided, exception cleared. | 03/11/2025 |  |  | 1 A |  | [redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 553032788 |  |  |  | [redacted] |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-03-11): Final Title provided, exception cleared.<br>Seller Comment (2025-03-11): Please see attached title policy. | 03/11/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 553032788 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Paystub is missing for income [Redacted]. |  |  |  | Reviewer Comment (2025-03-04): Paystub provided.<br>Seller Comment (2025-03-03): [Redacted] [Redacted]: Please see attached income documents. The paystubs from [redacted] are provided along with verification of employment for annual salary from [Redacted]. | 03/04/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 553032788 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Paystub is missing for income [Redacted]. |  |  |  | Reviewer Comment (2025-03-04): Stub provided.<br>Seller Comment (2025-03-03): [Redacted] : Please see attached income documents. The paystubs from [redacted] are provided along with verification of employment for annual salary from [Redacted]. | 03/04/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 553032788 |  |  |  | [redacted] |  | 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) Risk. | Waterfall due to missing income documentation. |  |  |  | Reviewer Comment (2025-03-06): Received Letter from employer validating increase in pay due to promotion.<br>Seller Comment (2025-03-05): [Redacted]: Please note the employer letter on file states the borrower received a promotion. The paystubs do support the amount listed on the employer letter exactly and base is supported by verification directly from the employer. The W-2's support the borrower making around $[Redacted] per month, and a promotion would explain why the current year to date is lower because they have only been making the new salary since [Redacted].<br>Reviewer Comment (2025-03-04): [Redacted] Borrower [Redacted] income with [Redacted] does not have a base supported. 1 week stub ending [Redacted] has regular income of $[Redacted] but YTD of $[Redacted]. prior year also does not support, using average results in DTI issue.<br>Seller Comment (2025-03-03): [Redacted]: Please see attached income documents. The paystubs from [redacted] are provided along with verification of employment for annual salary from [Redacted]. | 03/06/2025 |  |  | 1 B A C |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 553032788 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing income documentation. |  |  |  | Reviewer Comment (2025-03-06): Received Letter from employer validating increase in pay due to promotion.<br>Seller Comment (2025-03-05): [Redacted]: Please note the employer letter on file states the borrower received a promotion. The paystubs do support the amount listed on the employer letter exactly and base is supported by verification directly from the employer. The W-2's support the borrower making around $[Redacted] per month, and a promotion would explain why the current year to date is lower because they have only been making the new salary since [Redacted].<br>Reviewer Comment (2025-03-04): [Redacted] Borrower [Redacted] income with [Redacted] does not have a base supported. 1 week stub ending [Redacted] has regular income of $[Redacted] but YTD of $[Redacted]. prior year also does not support, using average results in DTI issue.<br>Seller Comment (2025-03-03): [Redacted]: Please see attached income documents. The paystubs from capstone are provided along with verification of employment for annual salary from [Redacted]. | 03/06/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 553032788 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall due to missing income documentation. |  |  |  | Reviewer Comment (2025-03-06): Received Letter from employer validating increase in pay due to promotion.<br>Seller Comment (2025-03-05): [Redacted]: Please note the employer letter on file states the borrower received a promotion. The paystubs do support the amount listed on the employer letter exactly and base is supported by verification directly from the employer. The W-2's support the borrower making around $[Redacted] per month, and a promotion would explain why the current year to date is lower because they have only been making the new salary since [Redacted].<br>Reviewer Comment (2025-03-04): [Redacted] Borrower [Redacted] income with [Redacted] does not have a base supported. 1 week stub ending [Redacted] has regular income of $[Redacted] but YTD of $[Redacted]. prior year also does not support, using average results in DTI issue.<br>Seller Comment (2025-03-03): [Redacted]: Please see attached income documents. The paystubs from [redacted] are provided along with verification of employment for annual salary from [Redacted]. | 03/06/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 553032788 |  |  |  | [redacted] |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Both borrower's have no base income evident, using variable income results in lower income. EDIT [Redacted] Borrower [Redacted] income with [Redacted] does not have a base supported. 1 week stub ending [Redacted] has regular income of $[Redacted] but YTD of $[Redacted]. prior year also does not support, using average results in DTI issue. |  |  |  | Reviewer Comment (2025-03-06): Received Letter from employer validating increase in pay due to promotion.<br>Seller Comment (2025-03-05): [Redacted]: Please note the employer letter on file states the borrower received a promotion. The paystubs do support the amount listed on the employer letter exactly and base is supported by verification directly from the employer. The W-2's support the borrower making around $[Redacted] per month, and a promotion would explain why the current year to date is lower because they have only been making the new salary since [Redacted].<br>Reviewer Comment (2025-03-04): [Redacted] Borrower [Redacted] income with [Redacted] does not have a base supported. 1 week stub ending [Redacted] has regular income of $[Redacted] but YTD of $[Redacted]. prior year also does not support, using average results in DTI issue.<br>Reviewer Comment (2025-03-04): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [Redacted]% exceeds AUS total debt ratio of [Redacted]%.<br>Seller Comment (2025-03-03): [Redacted]: Please see attached income documents. The paystubs from capstone are provided along with verification of employment for annual salary from [Redacted]. | 03/06/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 553032788 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Both borrower's have no base income evident, using variable income results in lower income |  |  |  | Reviewer Comment (2025-03-06): Received Letter from employer validating increase in pay due to promotion.<br>Seller Comment (2025-03-05): [Redacted]: Please note the employer letter on file states the borrower received a promotion. The paystubs do support the amount listed on the employer letter exactly and base is supported by verification directly from the employer. The W-2's support the borrower making around $[Redacted] per month, and a promotion would explain why the current year to date is lower because they have only been making the new salary since [Redacted].<br>Reviewer Comment (2025-03-04): [Redacted] Borrower [Redacted] income with [Redacted] does not have a base supported. 1 week stub ending [Redacted] has regular income of $[Redacted] but YTD of $[Redacted]. prior year also does not support, using average results in DTI issue.<br>Seller Comment (2025-03-03): [Redacted]: Please see attached income documents. The paystubs from [redacted] are provided along with verification of employment for annual salary from [Redacted]. | 03/06/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 520422196 |  |  |  | [redacted] |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | [Redacted] ending [Redacted] increased from $[Redacted] to $[Redacted] on updated credit report. |  |  |  | Reviewer Comment (2025-03-04): Updated findings provided.<br>Seller Comment (2025-03-03): [Redacted]: Updated AUS findings and 1003 provided | 03/04/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 520422196 |  |  |  | [redacted] |  | 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. | Waterfall due to DTI issue. |  |  |  | Reviewer Comment (2025-03-04): Updated findings provided.<br>Seller Comment (2025-03-03): [Redacted]: documentation uploaded to original exception, waterfall issue should be resolved | 03/04/2025 |  |  | 1 B A C |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 520422196 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted] % moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | [Redacted] ending [Redacted] increased from $[Redacted] to $[Redacted] on updated credit report. |  |  |  | Reviewer Comment (2025-03-04): Updated findings provided.<br>Seller Comment (2025-03-03): [Redacted]: documentation uploaded to original exception, waterfall issue should be resolved | 03/04/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 520422196 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall due to DTI issue. |  |  |  | Reviewer Comment (2025-03-04): Updated findings provided.<br>Seller Comment (2025-03-03): [Redacted]: documentation uploaded to original exception, waterfall issue should be resolved | 03/04/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 520422196 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - S-Corp | General QM: Unable to verify S-Corp income using reasonably reliable third-party records. | Waterfall due to DTI issue. |  |  |  | Reviewer Comment (2025-03-04): Updated findings provided.<br>Seller Comment (2025-03-03): [Redacted]: VOB attached | 03/04/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 534725069 |  |  |  | [redacted] |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $[Redacted] based on [Redacted]% of value, there was no evidence of extended coverage or insurer's estimate of replacement cost provided. |  |  |  | Reviewer Comment (2025-03-10): Received email from insurer that policy contains replacement cost coverage.<br>Seller Comment (2025-03-06): [Redacted]: The insurance agent confirmed guaranteed replacement cost coverage. Please see attached email.<br>Reviewer Comment (2025-03-02): Please provide RCE as coverage equal to or greater than loan amount is only acceptable if it covers [Redacted]% of improvements. Without RCE, [Redacted]% is being determined by appraised value for testing purposes.<br>Seller Comment (2025-02-27): [Redacted]: The file was underwritten to Fannie Mae guidelines and does not require an RCE. The dwelling coverage covers the full amount of the unpaid principal loan balance which is sufficient to meet Fannie Mae guidelines. | 03/10/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 515960181 |  |  |  | [redacted] |  | 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 Verification Of Income Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | EV1. |  |  |  | Reviewer Comment (2025-02-25): Sufficient Cure Provided At Closing |  | 02/25/2025 |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 515960181 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Since there is no loan being paid off, transaction is not considered a lender-to-lender refinance and H8 is required. |  |  |  | Reviewer Comment (2025-03-12): Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form provided<br>Seller Comment (2025-03-11): Please see the attached LOX, Right to Cancel, Closing Disclosure, and Proof of Delivery.<br>Reviewer Comment (2025-03-02): NO prior lender is being paid off. H-8 Form should have been used.<br>Seller Comment (2025-02-27): [Redacted]: Disagree, [Redacted]. is same originating lender |  | 03/12/2025 |  | 2 C B |  | [redacted] | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 591004829 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2025-03-04): Received PDI reflecting no damage<br>Seller Comment (2025-03-04): Please see attached. | 03/04/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 584594034 |  |  |  | [redacted] |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-06-03): Waived on Rate Lock: Collateral cleared by Custodian | 06/03/2025 |  |  | 1 A |  | [redacted] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 584594034 |  |  |  | [redacted] |  | 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 Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-26): Sufficient Cure Provided At Closing |  | 03/26/2025 |  | 1 A |  | [redacted] | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 558902705 |  |  |  | [redacted] |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-06-03): Waived on Rate Lock: Collateral cleared by Custodian | 06/03/2025 |  |  | 1 A |  | [redacted] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 558902705 |  |  |  | [redacted] |  | 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 Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-21): Sufficient Cure Provided At Closing |  | 03/21/2025 |  | 1 A |  | [redacted] | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 545164605 |  |  |  | [redacted] |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-06-03): Waived on Rate Lock: Collateral cleared by Custodian | 06/03/2025 |  |  | 1 A |  | [redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 545164605 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-17): Sufficient Cure Provided At Closing |  | 04/17/2025 |  | 1 A |  | [redacted] | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 545164605 |  |  |  | [redacted] |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | LP and 1008 both reflect [Redacted]% DTI and $[Redacted] income , however LP includes $[Redacted] total debt while 1008 reflects $[Redacted]. It appears $[Redacted] prior housing expense was omitted on AUS with no explanation. |  |  |  | Reviewer Comment (2025-04-21): RSU income has considered. DTI is on at [Redacted]%. Exception cleared.<br>Seller Comment (2025-04-18): [Redacted]: See attached corrected AUS findings, RSU income was used to qualify as well keeping DTI eligible | 04/21/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 545164605 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | LP and 1008 both reflect [Redacted]% DTI and $[Redacted] income , however LP includes $[Redacted] total debt while 1008 reflects $[Redacted]. It appears $[Redacted] prior housing expense was omitted on AUS with no explanation. |  |  |  | Reviewer Comment (2025-04-21): RSU income has considered. DTI is on at [Redacted]%. Exception cleared.<br>Seller Comment (2025-04-18): [Redacted]: See attached corrected AUS findings, RSU income was used to qualify as well keeping DTI eligible | 04/21/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 545164605 |  |  |  | [redacted] |  | 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) Risk. | Waterfall for DTI exception. |  |  |  | Reviewer Comment (2025-04-22): DTI cleared.<br>Seller Comment (2025-04-18): [Redacted]: See attached corrected AUS findings, RSU income was used to qualify as well keeping DTI eligible | 04/22/2025 |  |  | 1 B A C |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 545164605 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Waterfall for DTI exception. |  |  |  | Reviewer Comment (2025-04-22): DTI cleared. | 04/22/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 545164605 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall for DTI exception. |  |  |  | Reviewer Comment (2025-04-22): DTI cleared.<br>Seller Comment (2025-04-18): [Redacted]: See attached corrected AUS findings, RSU income was used to qualify as well keeping DTI eligible | 04/22/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 576428259 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-03-06): [Redacted] received proof of earlier electronic receipt.<br>Buyer Comment (2025-03-06): Please see attached confirming the LE was viewed. | 03/06/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 568010864 |  |  |  | [redacted] |  | 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. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. |  |  |  | Reviewer Comment (2025-03-07): SHQM (APOR)<br>Buyer Comment (2025-03-06): Please see the attached screen shot for the Bona fide discount points breakdown:<br> The client paid [Redacted] points to go from [Redacted]% @ 0 points to [Redacted]% @ [Redacted] points. Please exclude $[Redacted] from the QM points and fees test, which is the excludable amount of discount points. | 03/07/2025 |  |  | 1 B A C |  | [redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | No |
|  | 568010864 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted] % of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Fees included are $[Redacted], Mortgage Broker Fee $[Redacted], Title - Service Fee $[Redacted] and $[Redacted]. Calculated Loan Amount of $[Redacted] X [Redacted]% equals $[Redacted]. The overage of $[Redacted] could not be determined. |  |  |  | Reviewer Comment (2025-03-07): Offset provided for broker fee to use only that amount established at time the interest rate is set. Method approved by outside counsel.<br>Buyer Comment (2025-03-06): Please see the attached screen shot for the Bona fide discount points breakdown:<br> The client paid [Redacted] points to go from [Redacted]% @ 0 points to [Redacted]% @ [Redacted] points. Please exclude $[Redacted] from the QM points and fees test, which is the excludable amount of discount points. | 03/07/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 568010864 |  |  |  | [redacted] |  | Compliance | Compliance | Miscellaneous Compliance | Compliance | Miscellaneous Compliance: Non-Material Compliance Exception: |  | LO Comp amount included in QM points and fees was determined at the time of initial rate lock under §[Redacted](b)(1)(ii) which does not include the full LO Comp amount paid to broker at consummation. |  |  |  | Buyer Comment (2025-03-10): Seller acknowledges the exception, no change to grading. |  |  | 03/10/2025 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 568010864 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | LD restated |  |  |  | Reviewer Comment (2025-10-01): The client accepts as is. |  |  | 10/01/2025 | 2 A B |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
|  | 532943381 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Evidence of borrower receipt of the initial Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-03-10): [Redacted] received proof of earlier electronic receipt<br>Buyer Comment (2025-03-07): Please see attached confirmation the [Redacted] Loan Estimates were viewed within the required timeframe prior to closing. | 03/10/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 532943381 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Evidence of borrower receipt of the initial Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-03-10): [Redacted] received proof of earlier electronic receipt<br>Buyer Comment (2025-03-07): Please see attached confirmation the [Redacted] Loan Estimates were viewed within the required timeframe prior to closing. | 03/10/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 532943381 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Evidence of borrower receipt of the initial Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-03-10): [Redacted] received proof of earlier electronic receipt<br>Buyer Comment (2025-03-07): Please see attached confirmation the [Redacted] Loan Estimates were viewed within the required timeframe prior to closing. | 03/10/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 513920641 |  |  |  | [redacted] |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Buyer Comment (2025-03-07): Seller acknowledges the exception, no change to grading. |  |  | 03/07/2025 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 532527396 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-03-11): [Redacted] received proof of earlier electronic receipt<br>Buyer Comment (2025-03-10): Please see attached confirming the LE was viewed. | 03/11/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 521342420 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The business entity search through the Department of State for Third Party Verification of Self Employment, did not contain a timestamp. Please provide evidence of when the document was obtained. |  |  |  | Reviewer Comment (2025-03-10): Received screenshot confirms business document was uploaded on [Redacted]. Exception cleared.<br>Buyer Comment (2025-03-10): please see attached | 03/10/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 582084780 |  |  |  | [redacted] |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | Reviewer Comment (2025-04-28): MIC provided; exception cleared.<br>Seller Comment (2025-04-25): Please see attached | 04/28/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 555769062 |  |  |  | [redacted] |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | The credit report for both Borrowers is missing. |  |  |  | Reviewer Comment (2025-05-16): Credit report provided, exception cleared.<br>Seller Comment (2025-05-16): [Redacted]: attached | 05/16/2025 |  |  | 1 D A |  | [redacted] | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 555769062 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The credit report for both Borrowers is missing. |  |  |  | Reviewer Comment (2025-05-16): Credit report provided, exception cleared.<br>Seller Comment (2025-05-16): [Redacted]: attached | 05/16/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 540812012 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-14): Sufficient Cure Provided At Closing |  | 05/14/2025 |  | 1 A |  | [redacted] | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 563195240 |  |  |  | [redacted] |  | 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 [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Exception is an ATR informative EV2 (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  | Reviewer Comment (2025-05-16): Waived<br>Seller Comment (2025-05-16): [Redacted]: The tax filing deadline date is not [Redacted], it is [Redacted]. The application date of [Redacted] was before the tax deadline of [Redacted] which means the borrower has until [Redacted] to close per guidelines without requiring an extension. |  |  | 05/16/2025 | 2 B |  | [redacted] | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 563195240 |  |  |  | [redacted] |  | 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 [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Exception is an ATR informative EV2 (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  | Reviewer Comment (2025-05-16): Waived<br>Seller Comment (2025-05-16): [Redacted]: The tax filing deadline date is not [Redacted], it is [Redacted]. The application date of [Redacted] was before the tax deadline of [Redacted] which means the borrower has until [Redacted] to close per guidelines without requiring an extension. |  |  | 05/16/2025 | 2 B |  | [redacted] | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 563195240 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-08-05): Received cda. | 08/05/2025 |  |  | 1 D A |  | [redacted] | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 563195240 |  |  |  | [redacted] |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-08-05): Received cda.<br>Reviewer Comment (2025-08-02): Valuation Received - [Redacted] | 08/05/2025 |  |  | 1 A |  | [redacted] | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 561801479 |  |  |  | [redacted] |  | 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 [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Exception is an ATR informative EV2 (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  | Reviewer Comment (2025-05-16): Waived<br>Seller Comment (2025-05-16): [Redacted]: Fannie Mae guidelines allow for the use of [Redacted] tax returns up to the filing deadline without extension. See FNMA b1-1-03, [Redacted] would still be considered the most recent year per this guideline. |  |  | 05/16/2025 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 561801479 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-14): Sufficient Cure Provided At Closing |  | 05/14/2025 |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 534024550 |  |  |  | [redacted] |  | 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 (2025-10-01): The client elects to waive. |  |  | 10/01/2025 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 565677326 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing Tax documentation for REO property. |  |  |  | Reviewer Comment (2025-05-28): Received REO documents.<br>Reviewer Comment (2025-05-22): Printout provided shows this as a driveway and not an actual [Redacted]. Independent lookup also confirms this is not an [Redacted].<br>Seller Comment (2025-05-21): [Redacted]: They are the same property. [Redacted] is the [Redacted] on the property of [Redacted]. Please see attached.<br>Reviewer Comment (2025-05-21): 1003 located on DOC ID 190 reflects this property. [Redacted] 1040's (DOC ID 207/375) reflects income being collected for this property. Lease in file (DOC ID 215) reflects this property.<br>Seller Comment (2025-05-20): [Redacted]: There is not a property owned by the borrower with the address of [Redacted]. This address is not on any documentation in file and appears to be a typo in the original exception cited by [Redacted]. Please re-review file. The borrower only owns [Redacted] and all required documentation has already been provided.<br>Reviewer Comment (2025-05-20): We need tax verification for [Redacted], not [Redacted]. Statement and 1003 provided is for [Redacted].<br>Seller Comment (2025-05-19): [Redacted]: The 1003 does show a mortgage. It is on page 3 of 9.<br>Reviewer Comment (2025-05-19): 1003 reflects [Redacted] does not have mortgage, please provide mortgage statement for property or tax verification.<br>Seller Comment (2025-05-16): [Redacted]: The mortgage statement shows both taxes and HOI are escrowed. No further documentation is required. | 05/28/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 565677326 |  |  |  | [redacted] |  | 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) Risk. | Waterfall due to missing REO income/expense documentation. |  |  |  | Reviewer Comment (2025-05-28): Received REO documents.<br>Reviewer Comment (2025-05-22): Printout provided shows this as a [Redacted] and not an actual [Redacted]. Independent lookup also confirms this is not an [Redacted].<br>Seller Comment (2025-05-21): [Redacted]: They are the same property. [Redacted] is the [Redacted] on the property of [Redacted]. Please see attached.<br>Reviewer Comment (2025-05-21): 1003 located on DOC ID 190 reflects this property. [Redacted] 1040's (DOC ID 207/375) reflects income being collected for this property. Lease in file (DOC ID 215) reflects this property.<br>Seller Comment (2025-05-20): [Redacted]: There is not a property owned by the borrower with the address of [Redacted]. This address is not on any documentation in file and appears to be a typo in the original exception cited by [Redacted]. Please re-review file. The borrower only owns [Redacted] and all required documentation has already been provided.<br>Reviewer Comment (2025-05-20): We need tax verification for [Redacted], not [Redacted]. Statement and 1003 provided is for [Redacted].<br>Seller Comment (2025-05-19): [Redacted]: See attached passing QM test with highlighted APR and APOR calculation reflecting less than [Redacted]%. The difference between the APR vs APOR is [Redacted]%, and calculation portion. The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. $[Redacted] - $[Redacted] = $[Redacted] / $[Redacted] = [Redacted]%<br>Seller Comment (2025-05-19): [Redacted]: The 1003 does show a mortgage. It is on page 3 of 9.<br>Reviewer Comment (2025-05-19): 1003 reflects [Redacted] does not have mortgage, please provide mortgage statement for property or tax verification.<br>Seller Comment (2025-05-16): [Redacted]: The mortgage statement shows both taxes and HOI are escrowed. No further documentation is required. | 05/28/2025 |  |  | 1 B A C |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 565677326 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing REO income/expense documentation. |  |  |  | Reviewer Comment (2025-05-28): Received REO documents.<br>Reviewer Comment (2025-05-22): Printout provided shows this as a [Redacted] and not an actual ADU. Independent lookup also confirms this is not an ADU.<br>Seller Comment (2025-05-21): [Redacted]: They are the same property. [Redacted] is the ADU on the property of [Redacted]. Please see attached.<br>Reviewer Comment (2025-05-21): 1003 located on DOC ID 190 reflects this property. [Redacted] 1040's (DOC ID 207/375) reflects income being collected for this property. Lease in file (DOC ID 215) reflects this property.<br>Seller Comment (2025-05-20): [Redacted]: There is not a property owned by the borrower with the address of [Redacted]. This address is not on any documentation in file and appears to be a typo in the original exception cited by [Redacted]. Please re-review file. The borrower only owns [Redacted] and all required documentation has already been provided.<br>Reviewer Comment (2025-05-20): We need tax verification for [Redacted], not [Redacted]. Statement and 1003 provided is for [Redacted].<br>Seller Comment (2025-05-19): [Redacted]: The 1003 does show a mortgage. It is on page 3 of 9.<br>Reviewer Comment (2025-05-19): 1003 reflects [Redacted] does not have mortgage, please provide mortgage statement for property or tax verification.<br>Seller Comment (2025-05-16): [Redacted]: The mortgage statement shows both taxes and HOI are escrowed. No further documentation is required. | 05/28/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 565677326 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-05-28): Received REO documents.<br>Reviewer Comment (2025-05-22): Printout provided shows this as a driveway and not an actual ADU. Independent lookup also confirms this is not an ADU.<br>Seller Comment (2025-05-21): [Redacted]: They are the same property. [Redacted] is the ADU on the property of [Redacted]. Please see attached.<br>Reviewer Comment (2025-05-21): 1003 located on DOC ID 190 reflects this property. [Redacted] 1040's (DOC ID 207/375) reflects income being collected for this property. Lease in file (DOC ID 215) reflects this property.<br>Seller Comment (2025-05-20): [Redacted]: There is not a property owned by the borrower with the address of [Redacted]. This address is not on any documentation in file and appears to be a typo in the original exception cited by [Redacted]. Please re-review file. The borrower only owns [Redacted] and all required documentation has already been provided.<br>Reviewer Comment (2025-05-20): We need tax verification for [Redacted], not [Redacted]. Statement and 1003 provided is for [Redacted].<br>Seller Comment (2025-05-19): [Redacted]: The 1003 does show a mortgage. It is on page 3 of 9.<br>Reviewer Comment (2025-05-19): 1003 reflects [Redacted] does not have mortgage, please provide mortgage statement for property or tax verification.<br>Seller Comment (2025-05-16): [Redacted]: The mortgage statement shows both taxes and HOI are escrowed. No further documentation is required. | 05/28/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 565677326 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall due to missing REO income/expense documents. |  |  |  | Reviewer Comment (2025-05-28): Received REO documents.<br>Reviewer Comment (2025-05-22): Printout provided shows this as a driveway and not an actual ADU. Independent lookup also confirms this is not an ADU.<br>Seller Comment (2025-05-21): [Redacted]: They are the same property. [Redacted] is the ADU on the property of [Redacted]. Please see attached.<br>Reviewer Comment (2025-05-21): 1003 located on DOC ID 190 reflects this property. [Redacted] 1040's (DOC ID 207/375) reflects income being collected for this property. Lease in file (DOC ID 215) reflects this property.<br>Seller Comment (2025-05-20): [Redacted]: There is not a property owned by the borrower with the address of [Redacted]. This address is not on any documentation in file and appears to be a typo in the original exception cited by [Redacted]. Please re-review file. The borrower only owns [Redacted] and all required documentation has already been provided.<br>Reviewer Comment (2025-05-20): We need tax verification for [Redacted], not [Redacted]. Statement and 1003 provided is for [Redacted].<br>Seller Comment (2025-05-19): [Redacted]: The 1003 does show a mortgage. It is on page 3 of 9.<br>Reviewer Comment (2025-05-19): 1003 reflects [Redacted] does not have mortgage, please provide mortgage statement for property or tax verification.<br>Seller Comment (2025-05-16): [Redacted]: The mortgage statement shows both taxes and HOI are escrowed. No further documentation is required. | 05/28/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 565677326 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. | Lender used current taxes, however upon sale in [redacted] taxes are re-assessed. [Redacted]% of sales price was used due to lack of evidence of current millage rate or updated tax estimate in file. |  |  |  | Reviewer Comment (2025-06-03): Received tax calculation.<br>Reviewer Comment (2025-05-30): [Redacted] received rebuttal on disagree with calculation. However, the Property taxes shown as $[Redacted]/mo have not been documented. [Redacted] calculated using [Redacted]% estimate as no proof of property tax documentation and lender calculation was provided. Provide proof of tax amount and lender calculations to support amount.<br>Seller Comment (2025-05-29): [Redacted]: Disagree, please see the attached. The projected payments on pg1 show the escrows at $[Redacted] + the MI of $[Redacted]which matches the escrows on pg.4 | 06/03/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 565677326 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | Lender used current taxes, however upon sale in [redacted] taxes are re-assessed. [Redacted]% of sales price was used due to lack of evidence of current millage rate or updated tax estimate in file. |  |  |  | Reviewer Comment (2025-06-03): Received tax calculation.<br>Reviewer Comment (2025-05-30): [Redacted] received rebuttal on disagree with calculation. However, the Property taxes shown as $[Redacted]/mo have not been documented. [Redacted] calculated using [Redacted]% estimate as no proof of property tax documentation and lender calculation was provided. Provide proof of tax amount and lender calculations to support amount.<br>Seller Comment (2025-05-29): [Redacted]: Disagree, please see the attached. The projected payments on pg1 show the escrows at $[Redacted] + the MI of $[Redacted] which matches the escrows on pg.4 | 06/03/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 504850873 |  |  |  | [redacted] |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | Reviewer Comment (2025-05-19): MI cert provided, exception cleared.<br>Seller Comment (2025-05-16): [Redacted]: See attached MI cert | 05/19/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 504850873 |  |  |  | [redacted] |  | 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 [Redacted] on Final Closing Disclosure provided on [Redacted] are underdisclosed. | Closing Disclosure pages 1 and 2 indicate no escrows, however page 4 indicates there will be an escrow account but lists all expense as non-escrowed. |  |  |  | Reviewer Comment (2025-05-15): Cured on PC CD |  | 05/15/2025 |  | 2 C B |  | [redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 504850873 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The Mortgage Insurance Certificate is missing. |  |  |  | Reviewer Comment (2025-05-19): MI cert provided, exception cleared.<br>Seller Comment (2025-05-16): [Redacted]: See attached MI cert | 05/19/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 504850873 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Liabilities include HELOC From [Redacted] in the amount of $[Redacted] however 1003 shows no other property. Additional tax, insurance and HOA may be required. |  |  |  | Reviewer Comment (2025-05-21): Received evidence as to where lien resides. Borrower has no ownership in property.<br>Seller Comment (2025-05-20): [Redacted]: This lien is against[Redacted]. We included a property profile report showing the borrower does not have ownership in this property, they are just on the lien. Additionally, under Lien history, the [Redacted] can be matched exactly to the lien on credit based on recording date and lien amount. | 05/21/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 504850873 |  |  |  | [redacted] |  | 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) Risk. | Waterfall due to undisclosed REO. |  |  |  | Reviewer Comment (2025-05-21): Received evidence as to where lien resides. Borrower has no ownership in property.<br>Seller Comment (2025-05-20): [Redacted]: This lien is against [Redacted]. We included a property profile report showing the borrower does not have ownership in this property, they are just on the lien. Additionally, under Lien history, the [Redacted] can be matched exactly to the lien on credit based on recording date and lien amount.<br>Reviewer Comment (2025-05-20): Exception is waterfall to undisclosed REO. Please refer to other exceptions. We need evidence of the property expenses the HELOC is associated with.<br>Seller Comment (2025-05-19): [Redacted]: See attached passing QM test with highlighted APR and APOR calculation reflecting less than [Redacted]%. The difference between the APR vs APOR is [Redacted]%, and calculation portion. The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. $[Redacted] - $[Redacted]0 = $[Redacted] / $[Redacted] = [Redacted]%<br>Seller Comment (2025-05-19): [Redacted]: See attached passing QM test with highlighted APR and APOR calculation reflecting less than [Redacted]%. The difference between the APR vs APOR is [Redacted]%, and calculation portion. The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. $[Redacted] - $[Redacted] = $[Redacted]/ $[Redacted]7 = [Redacted]% | 05/21/2025 |  |  | 1 B A C |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 504850873 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to undisclosed REO. |  |  |  | Reviewer Comment (2025-05-21): Received evidence as to where lien resides. Borrower has no ownership in property.<br>Seller Comment (2025-05-20): [Redacted]: This lien is against [Redacted]. We included a property profile report showing the borrower does not have ownership in this property, they are just on the lien. Additionally, under Lien history, the [Redacted] can be matched exactly to the lien on credit based on recording date and lien amount. | 05/21/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 504850873 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall due to undisclosed REO. |  |  |  | Reviewer Comment (2025-05-21): Received evidence as to where lien resides. Borrower has no ownership in property.<br>Seller Comment (2025-05-20): [Redacted]: This lien is against [Redacted]. We included a property profile report showing the borrower does not have ownership in this property, they are just on the lien. Additionally, under Lien history, the [Redacted] can be matched exactly to the lien on credit based on recording date and lien amount. | 05/21/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 504850873 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Added - [Redacted] Waterfall due to undisclosed REO. |  |  |  | Reviewer Comment (2025-05-21): Received evidence as to where lien resides. Borrower has no ownership in property.<br>Seller Comment (2025-05-20): [Redacted]: This lien is against [Redacted]. We included a property profile report showing the borrower does not have ownership in this property, they are just on the lien. Additionally, under Lien history, the [Redacted] can be matched exactly to the lien on credit based on recording date and lien amount. | 05/21/2025 |  |  | 1 A |  | [redacted] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 544072061 |  |  |  | [redacted] |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  | 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 less than or equal to 35%.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-01): The client elects to waive. |  |  | 10/01/2025 | 2 B |  | [redacted] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 544072061 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 05/15/2025 |  | 1 A |  | [redacted] | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 537388923 |  |  |  | [redacted] |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | Reviewer Comment (2025-05-16): MIC provided, exception cleared.<br>Seller Comment (2025-05-16): [Redacted]: See attached MI Cert | 05/16/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 537388923 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Waterfall due to missing Mortgage Insurance. |  |  |  | Reviewer Comment (2025-05-16): MIC provided, exception cleared.<br>Seller Comment (2025-05-16): [Redacted]: See attached MI Cert | 05/16/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 537388923 |  |  |  | [redacted] |  | 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) Risk. | Waterfall due to missing Mortgage Insurance. |  |  |  | Reviewer Comment (2025-05-16): MIC provided, exception cleared.<br>Seller Comment (2025-05-16): [Redacted]: See attached MI Cert | 05/16/2025 |  |  | 1 B A C |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 537388923 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing Mortgage Insurance. |  |  |  | Reviewer Comment (2025-05-16): MIC provided, exception cleared.<br>Seller Comment (2025-05-16): [Redacted]: See attached MI Cert | 05/16/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 537388923 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall due to missing Mortgage Insurance. |  |  |  | Reviewer Comment (2025-05-16): MIC provided, exception cleared.<br>Seller Comment (2025-05-16): [Redacted]: See attached MI Cert | 05/16/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 567676576 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-08-05): Received cda. | 08/05/2025 |  |  | 1 D A |  | [redacted] | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 567676576 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing all income verification, AUS required paystub and [Redacted] years W2s. |  |  |  | Reviewer Comment (2025-05-19): Received income documents.<br>Seller Comment (2025-05-16): [Redacted] - [Redacted]: Please see the attached year-end paystubs for [Redacted]and [Redacted]as well as the paystub dated [Redacted].<br>Seller Comment (2025-05-16): [Redacted] - [Redacted]: Please see the attached year-end paystubs for [Redacted]and [Redacted] as well as the paystub dated [Redacted]. | 05/19/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 567676576 |  |  |  | [redacted] |  | 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. | Waterfall due to missing all income documents. |  |  |  | Reviewer Comment (2025-05-19): Received income documents.<br>Seller Comment (2025-05-16): [Redacted] - [Redacted]: Please see the attached year-end paystubs for [Redacted]and [Redacted]as well as the paystub dated [Redacted]. | 05/19/2025 |  |  | 1 B A C |  | [redacted] | Primary | Purchase | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 567676576 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Commission | General QM: Unable to verity Commission income due to, missing W-2, Paystub, or WVOE. | Waterfall due to missing all income documents. |  |  |  | Reviewer Comment (2025-05-19): Received income documents.<br>Seller Comment (2025-05-16): [Redacted] - [Redacted]: Please see the attached year-end paystubs for [Redacted] and [Redacted]as well as the paystub dated [Redacted].<br>Seller Comment (2025-05-16): [Redacted] - [Redacted]: Please see the attached year-end paystubs for [Redacted]and [Redacted]as well as the paystub dated [Redacted]. | 05/19/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 567676576 |  |  |  | [redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing all income documents. |  |  |  | Reviewer Comment (2025-05-19): Received income documents.<br>Seller Comment (2025-05-16): [Redacted] - [Redacted]: Please see the attached year-end paystubs for [Redacted]and [Redacted] as well as the paystub dated [Redacted].<br>Seller Comment (2025-05-16): [Redacted] - [Redacted]: Please see the attached year-end paystubs for [Redacted]and [Redacted]as well as the paystub dated [Redacted]. | 05/19/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 567676576 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing all income documents. |  |  |  | Reviewer Comment (2025-05-19): Received income documents.<br>Seller Comment (2025-05-16): [Redacted] - [Redacted]: Please see the attached year-end paystubs for [Redacted] and vas well as the paystub dated [Redacted].<br>Seller Comment (2025-05-16): [Redacted] - [Redacted]: Please see the attached year-end paystubs for [Redacted]and [Redacted]as well as the paystub dated [Redacted]. | 05/19/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 567676576 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall due to missing all income documents. |  |  |  | Reviewer Comment (2025-05-19): Received income documents.<br>Seller Comment (2025-05-16): [Redacted] - [Redacted]: Please see the attached year-end paystubs for [Redacted]and [Redacted]as well as the paystub dated [Redacted]. | 05/19/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 567676576 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income Data was not provided | Income Source and Qualifying Monthly Income Amount are required. | Waterfall due to missing all income documents. |  |  |  | Reviewer Comment (2025-05-19): Received income documents.<br>Seller Comment (2025-05-16): [Redacted] - [Redacted]: Please see the attached year-end paystubs for [Redacted] and [Redacted] as well as the paystub dated [Redacted]. | 05/19/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 567676576 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - No Income Provided | General QM: No income or assets converted to a monthly amount was provided to demonstrate ability to repay. | Waterfall due to missing all income documents. |  |  |  | Reviewer Comment (2025-05-19): Received income documents.<br>Seller Comment (2025-05-16): [Redacted] - [Redacted]: Please see the attached year-end paystubs for [Redacted] and [Redacted] as well as the paystub dated [Redacted]. | 05/19/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 567676576 |  |  |  | [redacted] |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Waterfall due to missing all income documents. |  |  |  | Reviewer Comment (2025-05-19): Received income documents.<br>Seller Comment (2025-05-16): [Redacted] - [Redacted]: Please see the attached year-end paystubs for [Redacted] and [Redacted] as well as the paystub dated [Redacted]. | 05/19/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 567676576 |  |  |  | [redacted] |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-08-05): Received cda.<br>Reviewer Comment (2025-08-03): Valuation Received - [Redacted] | 08/05/2025 |  |  | 1 A |  | [redacted] | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 573781746 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-08-07): Received cda. | 08/07/2025 |  |  | 1 D A |  | [redacted] | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 573781746 |  |  |  | [redacted] |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-08-07): Received cda.<br>Reviewer Comment (2025-08-04): Valuation Received - [Redacted] | 08/07/2025 |  |  | 1 A |  | [redacted] | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 540720118 |  |  |  | [redacted] |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Buyer Comment (2025-04-14): Seller acknowledges exception, no change to grading. |  |  | 04/14/2025 | 2 B |  | [redacted] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 540720118 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page[Redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted]). The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $35.00 threshold. | Final Closing Disclosure disclosed a TOP of [Redacted]; calculated TOP is $[Redacted] Variance is $[Redacted]. |  |  |  | Reviewer Comment (2025-05-06): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-05-06): Please see the NORTC, LOE. and proof of delivery, attached. RoR expired [Redacted] at midnight. Please cure.<br>Reviewer Comment (2025-04-22): [Redacted] received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. Please provide proof rescission reopened to all consumers.<br>Buyer Comment (2025-04-21): Please see the attached PCCD, LOE, copy of check, and proof of mailing. Please cure exception. |  | 05/06/2025 |  | 2 C B |  | [redacted] | Primary | Refinance - Rate/Term | 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 i(required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 540720118 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender credit was last disclosed as -$[Redacted] on the Loan Estimate, but was disclosed as $[Redacted] 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 $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-04-15): [Redacted] confirmed on Itemization of Credits, lender paid credits to specific fees.<br>Buyer Comment (2025-04-15): Rebuttal invalid. CD Addendum on page 220 accompanies the PCCD, and also shows the lender paid fees breakdown. (L) designation is not required per guidelines. CD Addendum confirming lender paid fees is sufficient. Please cancel<br>Reviewer Comment (2025-04-15): [Redacted] received rebuttal comment and provided itemization of credit issued [Redacted] indicates Lender paid fees of $[Redacted]. However, post CD dated 03/05 reflects all fees were paid by third party instead of Lender paid. Provide corrected CD with LOX to reflects all the fees are paid by lender (L) in other column in ordered to reevaluate and re-baseline this exception.<br>Buyer Comment (2025-04-14): Total lender credit did not decrease, it increased. Please see the CD Addendum on page 215. This shows the amounts listed in the Paid By Others column are the lender credits, which total $[Redacted]. For Correspondent loans, correspondent lender credit does not show the (L), as this is not required. The CD addendum confirming lender fees is sufficient. Please refer to [Redacted], which was cleared by [Redacted] and shows the lender credit in the same manner. | 04/15/2025 |  |  | 1 C A |  | [redacted] | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 540720118 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file |  |  |  | Reviewer Comment (2025-04-14): [Redacted] received proof of earlier electronic receipt<br>Buyer Comment (2025-04-14): Please see the attached internal screenshot showing that the LE dated [Redacted] was viewed/received by the borrower on [Redacted]. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 04/14/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 592334355 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  |  |  |  |  |  | 08/07/2025 |  |  | 1 D A B C |  | [redacted] | Primary | Refinance - Rate/Term | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 592334355 |  |  |  | [redacted] |  | Property | Valuation | General | Valuation | Valuation Product pending |  |  |  |  |  |  | 08/07/2025 |  |  | 1 A |  | [redacted] | Primary | Refinance - Rate/Term | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 592334355 |  |  |  | [redacted] |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 |  |  | 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 representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-01): The client elects to waive. |  |  | 10/01/2025 | 2 B |  | [redacted] | Primary | Refinance - Rate/Term | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 564314379 |  |  |  | [redacted] |  | 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 [Redacted] on Final Closing Disclosure provided on [Redacted] are underdisclosed |  |  |  |  |  |  | 04/28/2025 |  | 2 C B |  | [redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 564314379 |  |  |  | [redacted] |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  | 04/14/2025 | 2 B |  | [redacted] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 564314379 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  |  | 08/07/2025 |  |  | 1 D A |  | [redacted] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 564314379 |  |  |  | [redacted] |  | Property | Valuation | General | Valuation | Valuation Product pending |  |  |  |  |  |  | 08/07/2025 |  |  | 1 A |  | [redacted] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 522484814 |  |  |  | [redacted] |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-04-14): Seller acknowledges. No change to grading. |  |  | 04/14/2025 | 2 B |  | [redacted] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 588748797 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Discount Points were last disclosed as $[Redacted] on the Loan Estimate but was increased to $[Redacted] on the Closing Disclosure dated [Redacted]. Although there was a COC in file, indicating the mortgage amount increased due to a higher appraised value, the CofC did not contain a date of the change to verify the re-disclosure was provided timely. Please provide evidence of the date the borrower requested the change due to the increase in value. |  |  |  | Reviewer Comment (2025-06-09): [Redacted] received valid COC dated [Redacted]<br>Buyer Comment (2025-06-06): Please see attached, internal timestamp confirming the date of the loan amount change was [Redacted] | 06/09/2025 |  |  | 1 C A |  | [redacted] | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 559140838 |  |  |  | [redacted] |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Buyer Comment (2025-06-06): seller accepts; no change to grading. |  |  | 06/06/2025 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 558850643 |  |  |  | [redacted] |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-06-06): Seller acknowledges exception, no change to grading. |  |  | 06/06/2025 | 2 B |  | [redacted] | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 523645163 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-08-05): Received BPO | 08/05/2025 |  |  | 1 D A |  | [redacted] | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 523645163 |  |  |  | [redacted] |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Drive-by BPO - Standard Form - 3 Days |  |  |  | Reviewer Comment (2025-08-05): Received BPO<br>Reviewer Comment (2025-08-03): Valuation Received - [Redacted] | 08/05/2025 |  |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 510867531 |  |  |  | [redacted] |  | 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 $-[Redacted]exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The [Redacted] for the reduction in lender credit on [Redacted] did not indicate the reason for the reduction. Please provide documentation/clarification to support the reason for the decrease. |  |  |  | Reviewer Comment (2025-06-02): [Redacted] received valid COC dated [Redacted]<br>Buyer Comment (2025-05-30): Please see the attached screenshots from the LOSD confirming the reduction in lender credits was due to the removal of a promotion the borrower was no longer eligible for. | 06/02/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 502628692 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The VVOE for the co-borrower is missing the source of the employer's telephone number. Please provide for review. |  |  |  | Reviewer Comment (2025-06-09): Source of Google used to obtain employer's telephone number was provided. Exception cleared.<br>Buyer Comment (2025-06-06): Please see attached confirmation phone number used to complete the VOE is affiliated with the employer. | 06/09/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 514351299 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted]compared to the calculated Amount Financed of $[Redacted]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 [Redacted]). | Final Closing Disclosure disclosed an amount financed of $[Redacted]; calculated amount financed is $[Redacted]. Variance of $[Redacted]is due to the Verification of Employment fee for $[Redacted]was not included in the finance charge calculation. |  |  |  | Reviewer Comment (2025-04-28): [Redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Buyer Comment (2025-04-28): Please see the attached NORTC, LOE, and proof of delivery. Recession expired midnight on [Redacted]. Please cure exception.<br>Reviewer Comment (2025-04-18): PCCD, proof of delivery [Redacted], refund check, new RTC, and LOE to the borrower provided. Exception is unable to be cured as the RTC did not provide 3 full days from receipt of the cure package. RTC expiration was [Redacted]. Exception remains for rescission period.<br>Buyer Comment (2025-04-18): Please see the attached PCCD, copy of the check, LOE, NORTC, and proof of delivery. Check is written to borrower IAO $[Redacted] ($[Redacted] finance charge cure + $[Redacted] tolerance cure). RoR expired [Redacted] at midnight. Please cure. |  | 04/28/2025 |  | 2 C B |  | [redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 514351299 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted]is under disclosed by $[Redacted]compared to the calculated Finance Charge of $[Redacted]which exceeds the $[Redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure disclosed a finance charge of $[Redacted]; calculated finance charge is $[Redacted]. Variance of $[Redacted]is due to the Verification of Employment fee for $[Redacted]was not included in the finance charge calculation. |  |  |  | Reviewer Comment (2025-04-28): [Redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Buyer Comment (2025-04-28): Please see the attached NORTC, LOE, and proof of delivery. Recession expired midnight on [Redacted]. Please cure exception.<br>Reviewer Comment (2025-04-18): PCCD, proof of delivery [Redacted], refund check, new RTC, and LOE to the borrower provided. Exception is unable to be cured as the RTC did not provide 3 full days from receipt of the cure package. RTC expiration was [Redacted]. Exception remains for rescission period.<br>Buyer Comment (2025-04-18): Please see the attached PCCD, copy of the check, LOE, NORTC, and proof of delivery. Check is written to borrower IAO $[Redacted] ($[Redacted] finance charge cure + $[Redacted] tolerance cure). RoR expired [Redacted] at midnight. Please cure. |  | 04/28/2025 |  | 2 C B |  | [redacted] | 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 (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 514351299 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Verification Of Employment Fee was last disclosed as $[Redacted]on the Loan Estimate, but was disclosed as $[Redacted] in Section B 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 $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-04-18): PCCD, proof of delivery [Redacted], refund check, and LOE to the borrower provided. Exception cured.<br>Buyer Comment (2025-04-18): Please see the attached PCCD, copy of the check, LOE, NORTC, and proof of delivery. Check is written to borrower IAO $[Redacted] ($[Redacted] finance charge cure + $[Redacted] tolerance cure). RoR expired [Redacted] at midnight. Please cure. |  | 04/18/2025 |  | 2 C B |  | [redacted] | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 556659925 |  |  |  | [redacted] |  | 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 (2025-07-14): H-8 RTC, proof of delivery, and LOE to the borrower provided. New rescission period has passed, exception cured.<br>Buyer Comment (2025-07-11): Please see the attached ror form, loe and proof of delivery. |  | 07/14/2025 |  | 2 C B |  | [redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 556659925 |  |  |  | [redacted] |  | Compliance | Compliance | State Compliance | Misc. State Level | ([redacted]50(a)(6)) [redacted] Cash-out Loan (T-42 Endorsement Not Obtained) | [Redacted] Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the [Redacted] endorsement or the [Redacted] endorsement. (The loan is a [Redacted] Section 50 (a)(6) home equity loan.) | This exception will be further reviewed upon receipt of the preliminary or final title policy. |  |  |  | Reviewer Comment (2025-07-03): Title provided to satisfy exception. Exception cleared.<br>Buyer Comment (2025-07-01): Please review prelim title to clear. | 07/03/2025 |  |  | 1 B A |  | [redacted] | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 556659925 |  |  |  | [redacted] |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-07-01): Received title commitment in the file. Exception cleared.<br>Buyer Comment (2025-07-01): Please see the attached title commitment. | 07/01/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 556659925 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-08): BPO provided. | 08/08/2025 |  |  | 1 D A |  | [redacted] | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 556659925 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file was missing the VVOE dated within ten business days of the Note (or post-closing) for the co-borrower as required by Fannie Mae. The VVOE or alt VVOE documentation is still required when temporary leave income is used, and the borrower will not return to work prior to the first payment due date. Please provide the VVOE for review. |  |  |  | Reviewer Comment (2025-07-03): Updated VVOE provided. Exception cleared<br>Buyer Comment (2025-07-03): Please see the attached post close voe for B2. [Redacted] | 07/03/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 564059025 |  |  |  | [redacted] |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-06-26): Seller acknowledges exception, no change in grading |  |  | 06/26/2025 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 564059025 |  |  |  | [redacted] |  | 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. | Proof of receipt of initial CD was missing to confirm receipt three days prior to consummation. |  |  |  | Reviewer Comment (2025-06-30): [Redacted] received [Redacted] CD 3 business days prior to consummation.<br>Buyer Comment (2025-06-27): please see attached | 06/30/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 513927394 |  |  |  | [redacted] |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-06-26): Received Final title report. Exception cleared.<br>Buyer Comment (2025-06-26): Please see the attached title policy. | 06/26/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 581692108 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-06-30): Per client's rebuttal, Website FYI on snip from LOS is that date the borrower received and viewed the LE. Exception cleared.<br>Buyer Comment (2025-06-27): Please see the attached internal screenshot showing that the LE dated [Redacted] was viewed/received by the borrower on [Redacted]. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 06/30/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 529877158 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-08): BPO provided. | 08/08/2025 |  |  | 1 D A |  | [redacted] | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 529877158 |  |  |  | [redacted] |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 6 |  | BPO value of $[Redacted] does not support $[Redacted] appraisal value used to qualify. |  |  |  | Reviewer Comment (2025-08-12): An updated BPO with the value within an acceptable tolerance of the appraised value. | 08/12/2025 |  |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 529877158 |  |  |  | [redacted] |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-08-13): Received cda. | 08/13/2025 |  |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 570059076 |  |  |  | [redacted] |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-06-30): Received Title Commitment. Exception Cleared.<br>Buyer Comment (2025-06-27): please see the title policy attached | 06/30/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 570059076 |  |  |  | [redacted] |  | 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 (Third Circuit) | 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 3rd circuit) |  |  |  |  | Reviewer Comment (2025-06-30): Title commitment provided confirms not a same lender refi. Exception cleared.<br>Buyer Comment (2025-06-27): A H8 was correctly used as the subject is located in district three and we did not payoff a [Redacted]. Attached is a copy of the full title commitment, I believe the issue may stem from not having all pages of the document. Please use this to resolve | 06/30/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 540309370 |  |  |  | [redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Qualifying asset balance discrepancy. |  | Sufficients assets required for reserves have not been verified. [redacted] account confirms $[Redacted] but AUS requires $[Redacted] in reserves. |  |  |  | Reviewer Comment (2025-06-30): Received Latest Bank Statement to verify $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-06-27): The balance of [Redacted] is not from a full bank statement with all posted deposits and balances, please see the attached statement showing all posted balances & payments, which shows a balance of [Redacted] | 06/30/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 538775469 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-08): BPO provided. | 08/08/2025 |  |  | 1 D A |  | [redacted] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 538775469 |  |  |  | [redacted] |  | 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 [Redacted] 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. |  |  |  |  | Buyer Comment (2025-06-26): Seller acknowledges exception, no change to grading. |  |  | 06/26/2025 | 2 B |  | [redacted] | Primary | Purchase | Good Faith Redisclosure D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 538775469 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Subject is in a Condominium Project. The Master Condo policy was not found in the file. Please provide for review. |  |  |  | Reviewer Comment (2025-06-27): Received master policy. Exception cleared<br>Buyer Comment (2025-06-26): Please see attached, master condo policy as requested | 06/27/2025 |  |  | 1 C A |  | [redacted] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 571836999 |  |  |  | [redacted] |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Buyer Comment (2025-06-26): Seller acknowledges. No change to grading. |  |  | 06/26/2025 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 571836999 |  |  |  | [redacted] |  | 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 [Redacted] 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. |  |  |  |  | Buyer Comment (2025-06-26): Seller acknowledges. No change to grading. |  |  | 06/26/2025 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 585487865 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-06-27): [Redacted] received proof of earlier electronic receipt.<br>Buyer Comment (2025-06-26): [Redacted]: please see the attachment. | 06/27/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 512657007 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-06-30): [Redacted] received disclosure tracking showing borrower receipt of [Redacted] LE.<br>Buyer Comment (2025-06-27): Please see the attached internal screenshot showing that the LE dated [Redacted] was viewed/received by the borrower on [Redacted]. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 06/30/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 544295770 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file |  |  |  | Reviewer Comment (2025-06-30): Evidence of borrower receipt of the LE on [Redacted] provided. Exception cleared.<br>Buyer Comment (2025-06-30): Please see attached confirmation the [Redacted] LE was viewed the same day.<br>Reviewer Comment (2025-06-30): Provided receipt documentation does not indicate what LE was received on [Redacted], just that an LE package was viewed. [Redacted] requires something that indicates When the [Redacted] LE was received or viewed by the borrower.<br>Buyer Comment (2025-06-27): Please see attached confirmation that the LE was viewed within the required timeframe prior to closing. | 06/30/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 544295770 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Insufficient or no cure was provided to the borrower. | [Redacted]% fees will only re-baseline if the cumulative total of fees exceed [Redacted]%. On this loan, the recording fee increased with COC by less than [Redacted]% on [Redacted] from $[Redacted] to $[Redacted]. Therefore, the fee will not re-baseline. The file did not contain a COC for the final increase to $[Redacted] which requires a $[Redacted] cure based on the initial baseline of $[Redacted]. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-07-02): [Redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-07-01): Please see the attached PCCD mailed to borrower. |  | 07/02/2025 |  | 2 C B |  | [redacted] | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 593515694 |  |  |  | [redacted] |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-06-26): Seller acknowledges exception, no change to grading. |  |  | 06/26/2025 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 560827439 |  |  |  | [redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The only third party verification of employment for the borrower's business entity was from the Certificate of Registration from the state dated [Redacted] was not within [Redacted] calendar days of the note. Please provide an acceptable third party verification of employment within [Redacted] calendar days. |  |  |  | Reviewer Comment (2025-06-30): Client allows an active business license as evidence a business is open. Certificate of registration was received on [Redacted] which is within 120 days of the Note.<br>Buyer Comment (2025-06-26): Please see attached timestamp when the registration was received confirming it was within the required timeframe prior to closing, additionally the registration shows the expiration date is [Redacted], this is still a valid and active registration. | 06/30/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 560827439 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-06-27): [Redacted] received disclosure tracking showing borrower receipt of [Redacted] LE for both Sequence.<br>Buyer Comment (2025-06-26): Please see attached confirmation co-borrower viewed the LE within the required timeframe prior to closing. | 06/27/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 560827439 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-06-27): [Redacted] received disclosure tracking showing borrower receipt of [Redacted] LE for both Sequence.<br>Buyer Comment (2025-06-26): Please see attached confirmation borrower viewed the LE within the required timeframe prior to closing. | 06/27/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 560827439 |  |  |  | [redacted] |  | 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 [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. |  |  |  |  | Buyer Comment (2025-06-26): Seller acknowledges exception, no change to grading. |  |  | 06/26/2025 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 503022767 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-08): BPO provided. | 08/08/2025 |  |  | 1 D A |  | [redacted] | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 503022767 |  |  |  | [redacted] |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Buyer Comment (2025-06-27): Seller acknowledges the exception, no change to grading. |  |  | 06/27/2025 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 503022767 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] 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 [Redacted]). | The Amount Financed is under disclosed by $[Redacted]. This is due to the Section H Courier and Electronic Storage Fees. |  |  |  | Reviewer Comment (2025-07-07): Electronic Storage in Section H excluded | 07/07/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 503022767 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] 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 $[Redacted]is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | The Finance Charge is under disclosed by $[Redacted]. This is due to the Section H Courier and Electronic Storage Fees and a slight variance in the Total of Payments calculation. |  |  |  | Reviewer Comment (2025-07-07): Electronic Storage in Section H excluded<br>Buyer Comment (2025-07-03): Please see the attached explanation of the doc storage fee from [Redacted]. Fee is charged on financing and cash transactions and should be excludable.<br>Reviewer Comment (2025-07-01): Please provide additional information regarding the nature of the electronic storage fee (who ordered the service and imposed the charge and what is the electronic storage is related to). A fee imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit would be considered a finance charge.<br>Buyer Comment (2025-07-01): The storage fee was not paid to the title company and was disclosed in section H. The is not a fee or service required by Rocket and we do not require the imposition of the charge, thus it is excludable per Reg Z 1026.4(a)(2) | 07/07/2025 |  |  | 1 C A |  | [redacted] | 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 (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 503022767 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs don't match and both moderately exceed Guidelines | General QM: The DTIs calculated in accordance with the Lenders Guidelines of [Redacted]% and based on 1026.43(e) of [Redacted]% moderately exceed the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | DTI is excessive due to loan was qualified with hazard insurance monthly payment of $[Redacted] however the documents provided calculates the monthly payment as $[Redacted]. Please provide evidence of annual HO premium in the amount of $[Redacted] as reflected on the final CD and used in qualifying. |  |  |  | Reviewer Comment (2025-07-16): Received updated AUS,1003 and 1008, DTI matches. Exception cleared<br>Buyer Comment (2025-07-15): Please see the attached updated 1003, 1008, and AUS to match [Redacted] income calculation.<br>Reviewer Comment (2025-07-14): Diligence has reviewed and added the commission income. Regardless of when the larger payouts are, the overall commission will be annualized. If diligence was to use the least conservative calculation of the [Redacted] commission /12, the income would be $[Redacted]/month, while the lender gave $[Redacted]/month. Using a 2yr average of commission earnings results in monthly commission of $[Redacted] and a [Redacted]% DTI. If could be argued that the borrower did not earn as much in commission in [Redacted] as they were fairly new to the company, however, giving more income than [Redacted]/12 is unable to be considered by diligence. Please advise.<br>Buyer Comment (2025-07-09): Please see attached, income calculation with all pages attached.<br>Reviewer Comment (2025-07-09): Commission income is not mentioned in 1003, 1008 and AUS documents. Please provided updated 1003, 1008 and AUS (Provided 1st Page only) Documents showing Commission Income. Exception Remains.<br>Buyer Comment (2025-07-07): Please see attached, borrower receives a large commission payment in the second half of the year. To verify, we have provided year end paystubs confirming the amounts from [Redacted] and [Redacted]. The calculation used for the commission income was obtained by adding the year end paystubs commission amount divided by 24 months. | 07/16/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 503022767 |  |  |  | [redacted] |  | 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) Risk. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. |  |  |  | Reviewer Comment (2025-07-16): Received updated AUS,1003 and 1008, DTI matches. Exception cleared<br>Buyer Comment (2025-07-15): Please see the attached updated 1003, 1008, and AUS to match [Redacted] income calculation.<br>Reviewer Comment (2025-07-14): Diligence has reviewed and added the commission income. Regardless of when the larger payouts are, the overall commission will be annualized. If diligence was to use the least conservative calculation of the [Redacted] commission /12, the income would be $[Redacted]/month, while the lender gave $[Redacted]/month. Using a 2yr average of commission earnings results in monthly commission of $[Redacted] and a [Redacted]% DTI. If could be argued that the borrower did not earn as much in commission in [Redacted] as they were fairly new to the company, however, giving more income than [Redacted]/12 is unable to be considered by diligence. Please advise.<br>Reviewer Comment (2025-07-09): Commission income is not mentioned in 1003, 1008 and AUS documents. Please provided updated 1003, 1008 and AUS (Provided 1st Page only) Documents showing Commission Income. Exception Remains.<br>Buyer Comment (2025-07-07): Please see attached, borrower receives a large commission payment in the second half of the year. To verify, we have provided year end paystubs confirming the amounts from [Redacted] and [Redacted]. The calculation used for the commission income was obtained by adding the year end paystubs commission amount divided by 24 months. | 07/16/2025 |  |  | 1 B A C |  | [redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 503022767 |  |  |  | [redacted] |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | DTI is excessive due to loan was qualified with hazard insurance monthly payment of $[Redacted] however the documents provided calculates the monthly payment as $[Redacted]. Please provide evidence of annual HO premium in the amount of $[Redacted] as reflected on the final CD and used in qualifying. |  |  |  | Reviewer Comment (2025-07-16): Received updated AUS,1003 and 1008, DTI matches. Exception cleared<br>Buyer Comment (2025-07-15): Please see the attached updated 1003, 1008, and AUS to match [Redacted] income calculation.<br>Reviewer Comment (2025-07-14): Diligence has reviewed and added the commission income. Regardless of when the larger payouts are, the overall commission will be annualized. If diligence was to use the least conservative calculation of the [Redacted] commission /12, the income would be $[Redacted]/month, while the lender gave $[Redacted]/month. Using a 2yr average of commission earnings results in monthly commission of $[Redacted] and a [Redacted]% DTI. If could be argued that the borrower did not earn as much in commission in [Redacted] as they were fairly new to the company, however, giving more income than [Redacted]/12 is unable to be considered by diligence. Please advise.<br>Reviewer Comment (2025-07-09): Commission income is not mentioned in 1003, 1008 and AUS documents. Please provided updated 1003, 1008 and AUS (Provided 1st Page only) Documents showing Commission Income. Exception Remains.<br>Buyer Comment (2025-07-07): Please see attached, borrower receives a large commission payment in the second half of the year. To verify, we have provided year end paystubs confirming the amounts from [Redacted] and [Redacted]. The calculation used for the commission income was obtained by adding the year end paystubs commission amount divided by 24 months. | 07/16/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 503022767 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2025-07-16): Received updated AUS,1003 and 1008, DTI matches. Exception cleared<br>Buyer Comment (2025-07-15): Please see the attached updated 1003, 1008, and AUS to match [Redacted] income calculation.<br>Reviewer Comment (2025-07-14): Diligence has reviewed and added the commission income. Regardless of when the larger payouts are, the overall commission will be annualized. If diligence was to use the least conservative calculation of the [Redacted] commission /12, the income would be $[Redacted]/month, while the lender gave $[Redacted]/month. Using a 2yr average of commission earnings results in monthly commission of $[Redacted] and a [Redacted]% DTI. If could be argued that the borrower did not earn as much in commission in [Redacted] as they were fairly new to the company, however, giving more income than [Redacted]/12 is unable to be considered by diligence. Please advise.<br>Reviewer Comment (2025-07-09): Commission income is not mentioned in 1003, 1008 and AUS documents. Please provided updated 1003, 1008 and AUS (Provided 1st Page only) Documents showing Commission Income. Exception Remains.<br>Buyer Comment (2025-07-07): Please see attached, borrower receives a large commission payment in the second half of the year. To verify, we have provided year end paystubs confirming the amounts from [Redacted] and [Redacted]. The calculation used for the commission income was obtained by adding the year end paystubs commission amount divided by 24 months. | 07/16/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 529225923 |  |  |  | [redacted] |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Title Preliminary is missing |  |  |  | Reviewer Comment (2025-06-26): Received Title commitment. Exception cleared.<br>Buyer Comment (2025-06-26): Please see the attached title commitment. | 06/26/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 529225923 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the secondary valuation required for securitization purposes |  |  |  | Reviewer Comment (2025-08-08): BPO provided. | 08/08/2025 |  |  | 1 D A |  | [redacted] | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 529225923 |  |  |  | [redacted] |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Buyer Comment (2025-06-27): Seller acknowledges. No change to grading. |  |  | 06/27/2025 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 555693584 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-08): BPO provided. | 08/08/2025 |  |  | 1 D A |  | [redacted] | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 555693584 |  |  |  | [redacted] |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Buyer Comment (2025-06-27): Seller acknowledges exception, no change in grading |  |  | 06/27/2025 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 555693584 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | The transaction date is being calculated as [Redacted], due to the final Closing Disclosure that was issued on [Redacted] not being executed. This CD contains the electronic stamp indicating it was provided to the borrower. Loan was disbursed prior to midnight of third business day after consummation. Lender to re-open rescission, provide the new right to cancel form, a copy of letter of explanation sent to borrower, and proof of delivery. Note: This exception cannot be cured until the new rescission period ends |  |  |  | Reviewer Comment (2025-07-10): [Redacted] received evidence of accurate material disclosures received on [Redacted].<br>Buyer Comment (2025-07-08): Please see the screen shot attached from Regulation Z [Redacted] Right of Rescission. Official Interpretation of material changes or disclosures mean "required disclosures of APR, the finance charge, the amount financed, total of payments and the payment schedule". While there was a small change in closing costs and cash to close - the loan amount, APR, interest rate, Finance Charge, TOP, Amount Financed and anything that would be considered a "material disclosure" requiring recission to be reopened - all remained exactly the same. There is no material issue<br>Reviewer Comment (2025-07-08): CD issued on [Redacted] has material differences including fees and cash to close. Exception remains.<br>Buyer Comment (2025-07-07): Pg296/D218 contains the CD issued 5/5 and executed at closing on [Redacted]. The CD issued after closing on [Redacted] CD did not require a signature as there were no material changes to the loan<br>Reviewer Comment (2025-07-03): Proof borrower received or signed final CD on consummation date of [Redacted] is missing. Please provide to satisfy exception. Exception remains.<br>Buyer Comment (2025-07-02): The transaction date should not be considered as [Redacted]. The borrower closed on [Redacted] and executed the Closing Disclosure, along with all other required documents, on that same day. The dates on the Notice of Right to Cancel (NORTC) are accurate. Although a Post-Consummation Closing Disclosure (PCCD) was issued on [Redacted], it did not involve any material changes such as to the Finance Charge or the Total of Payments (TOP). The only adjustment was a slight decrease in the funds to close, which does not trigger a new three-day waiting period or require any changes to the NORTC dates. Please clear this exception as it is invalid. | 07/10/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 555693584 |  |  |  | [redacted] |  | 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 (2025-07-10): [Redacted] received evidence of accurate material disclosures received on [Redacted].<br>Buyer Comment (2025-07-08): Please see the screen shot attached from Regulation Z [Redacted] Right of Rescission. Official Interpretation of material changes or disclosures mean "required disclosures of APR, the finance charge, the amount financed, total of payments and the payment schedule". While there was a small change in closing costs and cash to close - the loan amount, APR, interest rate, Finance Charge, TOP, Amount Financed and anything that would be considered a "material disclosure" requiring recission to be reopened - all remained exactly the same. There is no material issue<br>Reviewer Comment (2025-07-08): CD issued on [Redacted] has material differences including fees and cash to close. Exception remains.<br>Buyer Comment (2025-07-07): Pg296/D218 contains the CD issued [Redacted] and executed at closing on [Redacted]. The CD issued after closing on [Redacted] CD did not require a signature as there were no material changes to the loan<br>Reviewer Comment (2025-07-03): Proof borrower received or signed final CD on consummation date of [Redacted] is missing. Please provide to satisfy exception. Exception remains.<br>Buyer Comment (2025-07-02): The transaction date should not be considered as [Redacted]. The borrower closed on [Redacted] and executed the Closing Disclosure, along with all other required documents, on that same day. The dates on the Notice of Right to Cancel (NORTC) are accurate. Although a Post-Consummation Closing Disclosure (PCCD) was issued on [Redacted], it did not involve any material changes such as to the Finance Charge or the Total of Payments (TOP). The only adjustment was a slight decrease in the funds to close, which does not trigger a new three-day waiting period or require any changes to the NORTC dates. Please clear this exception as it is invalid. | 07/10/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 555693584 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Origination Fee increased to $[Redacted] on the CD issued [Redacted], however, its shows the lender paying the $[Redacted] increase. The CD's issued on [Redacted] and [Redacted] reflect the borrower paying the full $[Redacted]. A valid COC was not found and a cure was not provided. Please provide a LOE, proof of delivery, Closing Disclosure and cure check in the amount of $[Redacted]. |  |  |  | Reviewer Comment (2025-07-11): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-07-10): please see the cure redisclosure pkg attached |  | 07/11/2025 |  | 2 C B |  | [redacted] | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 555693584 |  |  |  | [redacted] |  | 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 [Redacted] Guaranty Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The TX Guaranty Fee was added to the CD issued on [Redacted]. Please provide a LOE, proof of delivery, Closing Disclosure and cure check in the amount of $[Redacted]. |  |  |  | Reviewer Comment (2025-07-03): Upon further review consumer within [Redacted]% tolerance requirements.<br>Buyer Comment (2025-07-02): This is not [Redacted]% tolerance as there was no affiliated business arrangement disclosure provided for [Redacted] Close, please update and test this to [Redacted]% tolerance. There should not be a tolerance violation | 07/03/2025 |  |  | 1 C A |  | [redacted] | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 564156611 |  |  |  | [redacted] |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-07-02): Received Title commitment. Exception Cleared.<br>Buyer Comment (2025-07-01): Please see attached<br>Reviewer Comment (2025-07-01): Provided title commitment is incomplete, please provided all complete pages of title commitment or title final. Exception Remains.<br>Buyer Comment (2025-06-30): Please see the title commitment attached | 07/02/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 513156944 |  |  |  | [redacted] |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-06-30): Final title policy provided, exception cleared. | 06/30/2025 |  |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 513156944 |  |  |  | [redacted] |  | Compliance | Compliance | State Compliance | Misc. State Level | ([redacted]50(a)(6)) [redacted] Cash-out Loan (T-42 Endorsement Not Obtained) | [Redacted] Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the [Redacted] T-42 endorsement or the T-42.1 endorsement. (The loan is a [Redacted] Section 50 (a)(6) home equity loan.) |  |  |  |  | Reviewer Comment (2025-06-30): Final title policy provided showing both [redacted] cash-out endorsements were on the incorporated. Exception cleared.<br>Buyer Comment (2025-06-27): Please see attached, Final title policy confirming the T- 42.1 policy endorsement. | 06/30/2025 |  |  | 1 B A |  | [redacted] | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 567311079 |  |  |  | [redacted] |  | 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 $[Redacted] exceeds tolerance of $[Redacted]plus 10% or $[Redacted]. Insufficient or no cure was provided to the borrower. | [Redacted]% fee violation due to an increase in the Recording and CPL fees. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-07-09): [Redacted] received corrected PCCD and LOE<br>Buyer Comment (2025-07-08): This fee was paid to client chosen title and is therefore subject to unlimited tolerance. Please see the attached pccd moving the title- closing protection fee to section C.<br>Reviewer Comment (2025-06-30): [Redacted]: the recording fee charged to borrower in the amount of $[Redacted] at closing. However, the Title - Insured Closing protection Letter fee of $[Redacted] added on Final CD and was not changed any of the previous disclosure. Also, the fee disclosed is in section B of CD under borrower cannot shopped for services section. Hence, the fee calculated under [Redacted]% tolerance and the fees were exceeds tolerance of $[Redacted] (ILE $[Redacted] + [Redacted]% ([Redacted]) = $[Redacted] - $[Redacted] FCD). Provide valid COC for the CPL fee added or Cure is required to borrower. Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check.<br>Buyer Comment (2025-06-27): Per the final signed CD, total Recording fees charged to borrower were $[Redacted]. Please see the final CD starting on page 241/688. | 07/09/2025 |  |  | 1 C A |  | [redacted] | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 567311079 |  |  |  | [redacted] |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Buyer Comment (2025-07-10): Seller acknowledges. No change to grading. |  |  | 07/10/2025 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 514686769 |  |  |  | [redacted] |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-06-27): Seller acknowledges the exception, no change to grading. |  |  | 06/27/2025 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 577195516 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  |  |  |  |  | Reviewer Comment (2025-08-08): BPO provided. | 08/08/2025 |  |  | 1 D A B C |  | [redacted] | Primary | Refinance - Cash-out - Other | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 577195516 |  |  |  | [redacted] |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-06-26): Received Title commitment. Exception cleared.<br>Buyer Comment (2025-06-26): Please see attached title | 06/26/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 577195516 |  |  |  | [redacted] |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Buyer Comment (2025-06-27): Seller acknowledges the exception, no change to grading. |  |  | 06/27/2025 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 577195516 |  |  |  | [redacted] |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 32 | Note Date: ___; Lien Position: ___ | BPO provided.value of $[Redacted] did not support stated PIW value of $[Redacted] |  |  |  |  |  |  |  | 3 C B |  | [redacted] | Primary | Refinance - Cash-out - Other | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 588976403 |  |  |  | [redacted] |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-06-26): Title commitment received. Exception cleared.<br>Buyer Comment (2025-06-26): Please see attached prelim title policy with coverage amount listed, note final title policy is a trailing document. | 06/26/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 588976403 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-08): Received cda | 08/08/2025 |  |  | 1 D A |  | [redacted] | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 588976403 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-06-26): As per document exception cleared. Exception cleared.<br>Buyer Comment (2025-06-26): Please see attached confirmation borrower viewed the LE within the required timeframe prior to closing. | 06/26/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 567329494 |  |  |  | [redacted] |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-06-25): Seller acknowledges. No change to grading. |  |  | 06/25/2025 | 2 B |  | [redacted] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 507859354 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-08): BPO provided. | 08/08/2025 |  |  | 1 D A |  | [redacted] | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 507859354 |  |  |  | [redacted] |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 6 |  | BPO provided value of $[Redacted] does not support appraisal value of $[Redacted]. |  |  |  | Reviewer Comment (2025-08-12): An updated BPO was received with a value within [Redacted] of the appraised value | 08/12/2025 |  |  | 1 A |  | [redacted] | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 560381410 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-08): BPO provided. | 08/08/2025 |  |  | 1 D A |  | [redacted] | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 511050376 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-08): Received cda | 08/08/2025 |  |  | 1 D A |  | [redacted] | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 547444908 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-06-27): [Redacted] received proof of receipt.<br>Buyer Comment (2025-06-26): Please see the attached internal screenshot showing that the LE dated [Redacted] was viewed/received by the borrower on [Redacted]. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 06/27/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 547444908 |  |  |  | [redacted] |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[Redacted] on the Loan Estimate, but was disclosed as $[Redacted] 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 $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-07-02): [Redacted] received PCCD, LOE, copy of refund check & proof of mailing.<br>Buyer Comment (2025-07-01): Please see attached, Cure packet with LOE, PCCD, Shipping label, and Cure for [Redacted]<br>Reviewer Comment (2025-06-27): [Redacted] received email confirmation that fee was paid by banker. However, on final CD the fee was disclosed as borrower paid (POC) and increase in fee required the valid COC. If the fee was paid by other party than borrower it should have been updated as paid by others section on CD. To clear this exception please provide final SS to verify the fee paid at closing and corrected PCCD updating the fee paid by correct party along with the LOE.<br>Buyer Comment (2025-06-26): Please see page 266 of the loan file. The appraisal invoice confirms the appraisal was paid for by the banker, [Redacted] and not the borrower. As further confirmation, please see the attached email from [Redacted] he paid for the appraisal. |  | 07/02/2025 |  | 2 C B |  | [redacted] | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 547444908 |  |  |  | [redacted] |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Buyer Comment (2025-06-26): Seller acknowledges exception, no change to grading. |  |  | 06/26/2025 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 514465542 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-08): BPO provided. | 08/08/2025 |  |  | 1 D A |  | [redacted] | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 514465542 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Buyer Comment (2025-06-30): Seller acknowledges the exception, no change to grading.<br>Reviewer Comment (2025-06-27): The LE received date is on or after the CD received date, provided a) the LE Issue Date is prior to the initial issue date and b) the LE and revised LE's are received at least 4 business days prior to consummation.<br>Buyer Comment (2025-06-26): Please regrade this to an EV2 as proof of the [Redacted] having been viewed was provided on the associated exception. |  |  | 06/30/2025 | 2 C B |  | [redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 514465542 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-06-27): [Redacted] received proof of receipt.<br>Buyer Comment (2025-06-26): Please see attached confirming the [Redacted] LE was viewed. | 06/27/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 565675089 |  |  |  | [redacted] |  | 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 [Redacted] 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. |  |  |  |  | Buyer Comment (2025-06-26): Seller acknowledges exception, no change to grading. |  |  | 06/26/2025 | 2 B |  | [redacted] | Primary | Refinance - Rate/Term | Good Faith Redisclosure D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 565675089 |  |  |  | [redacted] |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-06-27): Received Title final policy. Exception cleared | 06/27/2025 |  |  | 1 A |  | [redacted] | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 565675089 |  |  |  | [redacted] |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-06-26): Received Title final policy. Exception cleared<br>Buyer Comment (2025-06-26): Please see attached, final title policy with corrected loan amount. | 06/26/2025 |  |  | 1 B A |  | [redacted] | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 565675089 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-08-08): BPO provided. | 08/08/2025 |  |  | 1 D A B C |  | [redacted] | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 565675089 |  |  |  | [redacted] |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The subject is in a Condominium Project and the Master Condo Policy was not found. Please provide for review. |  |  |  | Reviewer Comment (2025-06-27): Received master policy. Exception cleared<br>Buyer Comment (2025-06-26): Please see attached, Condo master policy active when the loan was in process. | 06/27/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 565675089 |  |  |  | [redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | BPO provided value of $[Redacted] supported PIW value of $[Redacted]. | 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 is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-01): The client accepts as is. |  |  | 10/01/2025 | 2 B |  | [redacted] | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 581947839 |  |  |  | [redacted] |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-06-26): Received Preliminary title report. Exception cleared.<br>Buyer Comment (2025-06-26): Please see the title commitment attached | 06/26/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 581947839 |  |  |  | [redacted] |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-06-27): Seller acknowledges exception, no change in grading |  |  | 06/27/2025 | 2 B |  | [redacted] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 566531263 |  |  |  | [redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-06-30): [Redacted] received proof of earlier electronic receipt.<br>Buyer Comment (2025-06-27): Please see attached confirmation the Loan Estimate was viewed within the required timeframe prior to close. | 06/30/2025 |  |  | 1 C A |  | [redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

---

## Exhibit 99.4

[GCAT Depositor V LLC ABS-15G](gcat-abs15g.htm)

**Exhibit 99.4**

**Valuation Report**

---

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| **SitusAMC Loan ID** | **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
|  | 513674202 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 597365656 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 596999374 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 569093544 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 599313255 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.110% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 528539672 |  |  |  |  |  |  |  |  |  | 3.450% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 569348326 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.110% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | 587798216 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 527992372 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.40 |
|  | 551154372 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
|  | 535624946 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.210% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 593514662 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.870% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 510873520 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
|  | 540953386 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
|  | 564185651 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.20 |
|  | 540660410 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 580051615 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.40 |
|  | 569993211 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
|  | 550640342 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 527792797 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | 538376321 |  |  |  |  |  |  |  |  |  | 18.290% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 570530921 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 506280036 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 536038193 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 574245205 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 527358622 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.060% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 514031275 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 585447066 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 513388860 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.40 |
|  | 501413393 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 570733440 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | 595306878 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 501876652 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
|  | 581430035 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 506047216 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.60 |
|  | 576425157 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 582177576 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.530% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 525996161 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 514930503 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.90 |
|  | 531852757 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 565398329 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 540750474 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
|  | 532347761 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 579991303 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 503086745 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 541825377 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 526636410 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 552659111 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 525283944 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 545601536 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 505962011 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 593057774 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 543849032 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
|  | 541767485 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | 546182523 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 562812178 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 544586957 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 512679554 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 562227584 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
|  | 545034098 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 505698494 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.70 |
|  | 590537609 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | 575677643 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 582567071 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
|  | 523403763 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 525594769 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 |
|  | 502785164 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 569169905 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 535021807 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
|  | 591735296 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 591637127 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 552829434 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 593641691 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.20 |
|  | 523683530 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | 510324168 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 569140668 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.70 |
|  | 581791943 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.50 |
|  | 522206048 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 528163126 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 594730582 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 584257721 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
|  | 549214039 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 566485391 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 532246673 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
|  | 568959556 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.50 |
|  | 570155073 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 564498106 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
|  | 591788079 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | 579802923 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 575891023 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.570% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
|  | 563701800 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | 531071145 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | 541685383 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 566338596 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.40 |
|  | 572969600 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 529924980 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 503337822 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | 557206860 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | 566506820 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.40 |
|  | 577001477 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 559118544 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.60 |
|  | 553542580 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.60 |
|  | 593052292 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.10 |
|  | 500668807 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.70 |
|  | 513727705 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
|  | 536671056 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.240% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 565253621 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 516673917 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.50 |
|  | 580122020 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 535662777 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
|  | 586242968 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 553123140 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | 584508593 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
|  | 576781615 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.80 |
|  | 502760453 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.20 |
|  | 545739764 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 518944157 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 586465197 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.00 |
|  | 510127824 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 555400093 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 553642280 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.10 |
|  | 591897819 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 580189631 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
|  | 594362850 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 564984100 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | 538729443 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 537185484 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.60 |
|  | 556313291 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
|  | 569570597 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 516411388 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 578445682 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 506657386 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 589482142 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | 537733325 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 526078841 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 596411007 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 586722707 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.90 |
|  | 507325904 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 566070134 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 517153442 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 520701673 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 565143912 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.80 |
|  | 565364352 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 530189681 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 586251131 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 588530139 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
|  | 550712258 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 595758756 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 521889068 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.40 |
|  | 599524552 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 581534575 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 564800206 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 582388728 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | 564866668 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.70 |
|  | 504667687 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.20 |
|  | 501446689 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
|  | 501870915 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 542494620 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | 522188874 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
|  | 593071857 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | 516073566 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | 545731737 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 500408726 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 569296880 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
|  | 502185289 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 582953880 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 558961368 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 513442271 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 597710535 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 540123312 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 514517098 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
|  | 558947007 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
|  | 527562783 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | 560755098 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 548267582 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
|  | 581942642 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 571232357 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 518069981 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 526610995 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 502071425 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 561636061 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 567843286 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
|  | 560075879 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 589144206 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | 507876836 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.740% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 547815231 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 515910477 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 564244746 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 573787326 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 575748818 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.420% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 508211941 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 554909758 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 593700484 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 500218991 |  |  |  |  |  |  |  |  |  | -4.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | 536378197 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 573209058 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 544658579 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 520762041 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 553582220 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 580142449 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 520139403 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 564348317 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 588856566 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 536350555 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 561043919 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 587210829 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 517533680 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
|  | 539674069 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 523208813 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 578776023 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.470% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 576826300 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | 578315185 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 569456494 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
|  | 505225330 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 504566496 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 522269660 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 521120706 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 517643461 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 589997732 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 520145313 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 522657070 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 561719326 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
|  | 583744884 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 584662164 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 541155206 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 519590641 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 504349710 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.250% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 530093741 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 595357751 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 585630452 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 532220606 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 504470407 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 547686498 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 552974262 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.080% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | 567462621 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 588063817 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 594886283 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 559045194 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
|  | 562407052 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
|  | 501442923 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 544809199 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 501999874 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 591602605 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 578777160 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 518375301 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | 534222983 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 535823393 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 523101806 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 563956723 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 546300618 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 524462099 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 517539180 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 508807828 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 538603561 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 544921811 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 521435144 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 511311032 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 539048321 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 555250631 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 592851231 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 569419312 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 550037429 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 592876542 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 557856058 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 570643383 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
|  | 598617515 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 563266988 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 555162165 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 537099168 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 559219952 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 532331372 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 575177923 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 552370696 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 513553170 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 562077871 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 532826494 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 520680515 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 520800425 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 594343054 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.430% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 519228870 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 530753030 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 556783202 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 554332862 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 528666507 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 587754038 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 525591331 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | 576398899 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.820% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 538384340 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
|  | 586932935 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 579329285 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 562971757 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 540852614 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.530% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 572161839 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 587080888 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 556790950 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 508296292 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 518549617 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 521679192 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
|  | 572175844 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 524735919 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 502716401 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 520903780 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 586713137 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 566841109 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 515629004 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | 558549897 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | 546864576 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 525916289 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 514715752 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 515017201 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
|  | 552696126 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.130% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | 529902853 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 509907803 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 542018452 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 529863192 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 574756055 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 516668670 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 571674815 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 514274472 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | 522820901 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 537178062 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | 518892573 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 597620175 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | 517987933 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | 581999005 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | 505801173 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 563154189 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 558087033 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 503970199 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | 552679051 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | 530786036 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 533433584 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 538870879 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 570848965 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 512295693 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
|  | 585433420 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 543709248 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 541541435 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
|  | 501916814 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 539030691 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 527428567 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 580834456 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | 583994427 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 583041720 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 509532759 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | 504578973 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 568445464 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 519308693 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 578971603 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 586796272 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 553943293 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 592139961 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 548036989 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 503935125 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | 599222152 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 578993739 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 544146114 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 557451132 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 587441429 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 567280782 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 592946995 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 595314167 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 553350476 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 550830686 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 578531642 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 591900382 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 581173070 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 513124999 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 568520668 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 548552933 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 512837083 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | 552942413 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 560012469 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 536611750 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 571292212 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 578582204 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | 529986568 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 527471610 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 502236692 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 522907058 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 558289879 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 587223793 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 564049273 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 596659684 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 524091244 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 596174712 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 581507600 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 593493252 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 518477034 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 509589734 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
|  | 545620889 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 595668150 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 566208359 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 561541199 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
|  | 511678915 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
|  | 524573409 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 582262790 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 519743320 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.870% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
|  | 526117640 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 577496740 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 514649782 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | 532976920 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | 522159328 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 542496746 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.520% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 526495521 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 528687253 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 592331954 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 591808953 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 561429551 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
|  | 566562723 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 538430106 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 579011833 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 570042770 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 547253886 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.350% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 523486453 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 574023371 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 553825629 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 596579174 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 526556990 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.820% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | -9.090% |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
|  | 538405680 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 518062828 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 501044950 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 531356401 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 548511586 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
|  | 539484118 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 502121135 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 518864402 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 544504794 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 566080705 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 525621120 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 556036471 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 505245685 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 598812258 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 535216076 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 536447050 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 549560407 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | 588811104 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | 530082925 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 533639691 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 594791031 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
|  | 587298486 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 566683788 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 525627377 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 592404353 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 553047933 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 558320160 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 519014390 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 511317210 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
|  | 580378713 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 500947140 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 506962099 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 504666911 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
|  | 544199193 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
|  | 571272653 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 570879052 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | 593770459 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
|  | 594218008 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 535005728 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 544277298 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 596365095 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 530224622 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 541396386 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 514561553 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 516557177 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 591604625 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
|  | 518556173 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 568587866 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 560358238 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 518201948 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 579060590 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
|  | 554078512 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 523655082 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 502119239 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 569547780 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 502786722 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 533751749 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 587663736 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 558447395 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 503202051 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 581254239 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
|  | 555639031 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 544457359 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 564534521 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 501913005 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 525913155 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.630% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 552099984 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 541330874 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 594096474 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 537157046 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | 514040631 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 566737350 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.540% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.540% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | 540968994 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 508060857 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 567281950 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 572781801 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
|  | 553032788 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | 520422196 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.60 |
|  | 534725069 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
|  | 515960181 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
|  | 591004829 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.70 |
|  | 584594034 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | 558902705 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
|  | 581341706 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.60 |
|  | 516943167 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 |
|  | 503715825 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 545164605 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.50 |
|  | 576428259 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 568010864 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.660% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -5.660% |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 532943381 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.20 |
|  | 513920641 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.40 |
|  | 532527396 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 521342420 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 582084780 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.90 |
|  | 553836132 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 598101108 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
|  | 555769062 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | 540812012 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.80 |
|  | 561623745 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | 563195240 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.50 |
|  | 561801479 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.50 |
|  | 584795633 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
|  | 534024550 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.940% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.60 |
|  | 565677326 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
|  | 573404911 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | 504850873 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | 544072061 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.20 |
|  | 537388923 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
|  | 567676576 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
|  | 573781746 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.30 |
|  | 540720118 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | 558664623 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 532575236 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 592334355 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 1.080% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |
|  | 564314379 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 522484814 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 550971571 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.50 |
|  | 588748797 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 559140838 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 558850643 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 523645163 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.170% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -5.170% |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | 501827606 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 580229614 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 510867531 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 502628692 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 514351299 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 556659925 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.300% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.300% |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 593276397 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 564059025 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 513927394 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 581692108 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 529877158 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.570% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.570% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 539689772 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
|  | 570059076 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 533584787 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 540309370 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 538775469 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
|  | 571836999 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 585487865 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
|  | 512657007 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 569269289 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 544295770 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 593515694 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 585863816 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 530799161 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | 560827439 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 503022767 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.660% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.660% |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 529225923 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 9.010% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.010% |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
|  | 555693584 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.260% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -7.260% |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
|  | 546316825 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 564156611 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 513156944 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 567311079 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 565508695 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 514686769 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 577195516 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -11.250% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -11.250% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 553456790 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 588976403 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 518325096 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 567329494 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 555300226 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 507859354 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.680% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -5.680% |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
|  | 560381410 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.660% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -5.660% |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 564254460 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 530147723 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 555473108 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 579172101 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 511050376 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
|  | 534382014 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 523584938 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 547444908 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 570934055 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 514465542 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.110% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.110% |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
|  | 565675089 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -9.890% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -9.890% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 503362427 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 581947839 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 544314260 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 566531263 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.40 |

---

## Exhibit 99.5

[GCAT Depositor V LLC ABS-15G](gcat-abs15g.htm)

**Exhibit 99.5**

**Supplemental Data**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **SitusAMC Loan ID** | **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** |  | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** |
|  | 513442271 |  |  |  | Non QM |  |  |  | Yes | No | $5499.95 | $858.40 |  | 7.130% | $3119.32 | $3119.32 | 7.125% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $6335.33 | 1 | $11424.24 | $1119.96 | $952.02 | $93.33 |  |  |  |  |  | 39.664% | 39.664% | 39.664% | 03/13/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [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 |  |  | Arc | $5499.95 |  | 6.620% | $82700.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $68718.65 | 11.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 10.02 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 558961368 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $4349.12 |  | 8.024% | $5459.21 | $5459.21 | 8.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $142929.74 | 1 | $5025.48 | $887.40 | $418.79 | $73.95 |  |  |  |  |  | 7.268% | 7.268% | 7.268% | 03/10/2025 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [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 |  |  | Guaranteed Rate | $1640.00 |  | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.44 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 558947007 |  |  |  | Non QM |  |  |  | Yes | No | $26646.80 | $36950.00 |  | 8.106% | $11021.05 | $11021.05 | 7.875% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $50793.55 | 1 | $27615.00 | $1800.24 | $2301.25 | $150.02 |  |  |  |  |  | 26.651% | 26.651% | 26.651% | 02/18/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2010 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $26646.80 |  | 6.620% | $0.00 | 3.4 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $298122.03 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 20.39 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 597710535 |  |  |  | Non QM |  |  |  | Yes | No | $10821.84 | $11776.48 |  | 7.892% | $3100.14 | $3100.14 | 7.625% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11134.24 | 1 | $5551.92 | $3168.96 | $462.66 | $264.08 |  |  |  |  |  | 40.967% | 40.967% | 40.967% | 02/26/2025 | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 70.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $10821.84 |  | 6.650% | $2000.00 | 1.6 |  |  |  | N/A | No | 7.625% | 0 | 2 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $274702.08 | 50.170% | No |  | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 35.71 | Retail | Yes | No |  | $0.00 | $5584.58 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 514517098 |  |  |  | Non QM |  |  |  | Yes | No | $12300.00 | $15377.16 |  | 7.254% | $6737.19 | $6737.19 | 7.125% | No | No |  | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $35848.86 | 1 | $43916.52 | $3222.84 | $3659.71 | $268.57 |  |  |  |  |  | 37.865% | 37.865% | 37.865% | 01/30/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2023 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $12300.00 |  | 6.620% | $0.00 | 4.8 |  |  |  | N/A | No | 7.125% | 0 | 2 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  | 11 |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 27.1 | Retail | No | No |  | $35209.83 | $22485.56 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 577001477 |  |  |  | Non QM |  |  |  | Yes | No | $11755.40 | $12558.03 |  | 10.222% | $3323.79 | $3323.79 | 9.875% | No | Yes | Employed | Non-Employment Income | Non-Employment Income |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $5584.54 | 1 | $3863.04 | $2384.04 | $321.92 | $198.67 |  |  |  |  |  | 49.828% | 49.828% | 49.828% | 09/22/2023 | 811 | 811 |  | 820 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2023<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2023<br> [Borrower - \| Primary Income - Wages]; VVOE - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2023<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099 Transcript - 2021<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2023<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2023<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2023<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099 Transcript - 2021 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | Carrington | $11755.40 |  | 7.490% | $0.00 | 1 |  |  |  | N/A | No | 9.875% | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 12/01/2063 | $0.00 |  | No | 7 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 16.84 |  | No | No |  | $6689.19 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 513727705 |  |  |  | Non QM |  |  |  | Yes | No | $1895.00 | $2866.60 |  | 9.003% | $1836.35 | $1836.35 | 8.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5344.45 | 1 | $3144.00 | $1745.64 | $262.00 | $145.47 |  |  |  |  |  | 32.793% | 32.793% | 32.793% | 09/29/2023 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 32.58000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 32.58000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 32.58000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 32.58000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 32.58000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | Carrington | $1895.00 |  | 7.490% | $0.00 | 2 |  |  |  | Yes | No | 8.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 12/01/2053 | $0.00 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 50.35 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 536671056 |  |  |  | Non QM |  |  |  | Yes | No | $12857.56 | $14698.11 |  | 7.582% | $11976.85 | $11976.85 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $31101.93 | 1 | $2730.12 | $17145.60 | $227.51 | $1428.80 |  |  |  |  |  | 36.070% | 36.070% | 36.070% | 12/08/2023 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2021<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2021 | [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Carrington | $12857.56 |  | 6.650% | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 2 | 0 | 3 | 2 |  |  | 24.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2054 | $120867.31 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.75 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 559118544 |  |  |  | Non QM |  |  |  | Yes | No | $9693.75 | $11961.89 |  | 9.640% | $2899.93 | $2899.93 | 9.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22781.37 | 1 | $4011.84 | $2951.04 | $334.32 | $245.92 |  |  |  |  |  | 18.645% | 18.645% | 18.645% | 01/30/2024 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 60.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  | CMS | $9693.75 |  | 6.550% | $0.00 | 1.6 |  |  |  | No | No | 9.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 33.36 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 565253621 |  |  |  | Non QM |  |  |  | Yes | No | $17824.01 | $20117.31 |  | 9.972% | $3331.16 | $3331.16 | 9.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6666.98 | 1 | $5937.48 | $1373.04 | $494.79 | $114.42 |  |  |  |  |  | 37.295% | 37.295% | 37.295% | 04/03/2024 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2023 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $17824.01 |  | 7.190% | $20000.00 |  |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 3 | 0 |  |  | 13.93 | No |  |  |  |  |  |  |  |  |  | 05/01/2054 | $46867.51 | 9.860% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.6 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 553542580 |  |  |  | Non QM |  |  |  | Yes | No | $11110.20 | $9286.02 |  | 7.252% | $2235.42 | $2235.42 | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $100758.36 | 1 | $5287.92 | $4536.00 | $440.66 | $378.00 |  |  |  |  |  | 7.025% | 7.025% | 7.025% | 02/05/2024 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2011 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | CMS | $11110.20 |  | 6.900% | $0.00 | 1.6 |  |  |  | No | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 70.39 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 529924980 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1614.98 | $1614.98 | 9.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | $1592.88 | $1557.00 | $132.74 | $129.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/04/2024 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | No | No | 9.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 3.14 | 0.32 |  |  |  |  |  |  |  | 06/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 98.88 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 503337822 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1450.14 | $1450.14 | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4465.68 | $1932.96 | $372.14 | $161.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/12/2024 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  | 06/01/2054 | $264145.52 | 70.430% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.13 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 593052292 |  |  |  | Non QM |  |  |  | Yes | No | $17083.05 | $19543.17 |  | 7.315% | $3852.10 | $3852.10 | 7.000% | No | Yes | Not Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $170520.36 | 1 | $7764.96 | $1068.00 | $647.08 | $89.00 |  |  |  |  |  | 7.567% | 7.567% | 7.567% | 06/04/2024 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $17083.05 |  | 7.080% | $0.00 | 1.1 |  |  |  | No | No | 7.000% | 0 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | 07/01/2054 | $26747805.68 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 5829.2 |  | No | No |  | $184480.05 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 500668807 |  |  |  | Non QM |  |  |  | Yes | No | $8920.90 | $7932.40 |  | 9.684% | $1604.22 | $1604.22 | 9.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12152.89 | 1 | $3907.92 | $3339.96 | $325.66 | $278.33 |  |  |  |  |  | 39.862% | 39.862% | 39.862% | 04/19/2024 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [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 - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | Carrington | $8920.90 |  | 6.960% | $0.00 | 2.7 |  |  |  | Yes | No | 9.250% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2054 |  |  | No | 13 | 15 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 24.27 |  |  | No |  | $0.00 | $11458.35 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 597365656 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1441.52 | $1441.52 | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $4265.28 | $2064.96 | $355.44 | $172.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/16/2024 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | 07/01/2054 | $212634.41 | 75.460% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 66.15 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 566506820 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2172.17 | $2172.17 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $551.52 | $2475.00 | $45.96 | $206.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/07/2024 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.4 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1.01 |  |  |  |  |  |  |  | 07/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 54.31 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 576781615 |  |  |  | Non QM |  |  |  | Yes | No | $16812.00 | $19333.10 |  | 8.266% | $3480.33 | $3480.33 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6773.68 | 1 | $6000.00 | $1626.24 | $500.00 | $135.52 |  |  |  |  |  | 42.164% | 42.164% | 42.164% | 05/07/2024 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $16812.00 |  | 7.050% | $15000.00 | 1.8 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2054 | $121745.26 | 20.290% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.76 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 516673917 |  |  |  | Non QM |  |  |  | Yes | No | $2595.84 | $4637.33 |  | 7.700% | $1005.62 | $1005.62 | 7.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3545.95 | 1 | $1953.72 | $1541.04 | $162.81 | $128.42 |  |  |  |  |  | 45.621% | 45.621% | 45.621% | 05/07/2024 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021 | [Borrower]; 4506-C - 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 |  |  | CMS | $2595.84 |  | 6.950% | $0.00 | 3.5 |  |  |  | Yes | No | 7.375% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2054 |  |  | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 52.06 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 557206860 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1447.91 | $1447.91 | 9.250% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $14046.72 | $2858.04 | $1170.56 | $238.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/02/2024 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.65 | 0.61 |  |  |  |  |  |  |  | 07/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 49.4 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 580122020 |  |  |  | Non QM |  |  |  | Yes | No | $7360.43 | $9432.73 |  | 10.103% | $1950.73 | $1950.73 | 9.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4469.09 | 1 | $1363.80 | $1938.96 | $113.65 | $161.58 |  |  |  |  |  | 41.794% | 41.794% | 41.794% | 05/10/2024 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2023 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $7360.43 |  | 7.080% | $20465.40 |  |  |  |  | N/A | No | 9.625% | 0 |  | 0 | 0 | 3 | 0 |  |  | 15.97 | No |  |  |  |  |  |  |  |  |  | 07/01/2054 | $1020.05 | 0.370% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.27 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 596999374 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1695.45 | $1695.45 | 8.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4901.64 | $1083.96 | $408.47 | $90.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/21/2024 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.09 |  |  |  |  |  |  |  | 07/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 29.55 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 569993211 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2660.25 | $2660.25 | 8.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $10322.52 | $1238.04 | $860.21 | $103.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/22/2024 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | 07/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 78.72 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 553123140 |  |  |  | Non QM |  |  |  | Yes | No | $18599.60 | $19691.94 |  | 8.381% | $4138.43 | $4138.43 | 8.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11125.54 | 1 | $12984.36 | $1547.04 | $1082.03 | $128.92 |  |  |  |  |  | 36.272% | 36.272% | 36.272% | 05/06/2024 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $18599.60 |  | 6.950% | $12000.00 | 1 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 3 | 0 |  |  | 15.97 | No |  |  |  |  |  |  |  |  |  | 07/01/2054 | $42886.00 | 6.080% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.32 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 551154372 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1578.84 | $1578.84 | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4308.48 | $1362.96 | $359.04 | $113.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/31/2024 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | CMS |  |  |  | $0.00 | 1.8 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.18 |  |  |  |  |  |  |  | 07/01/2054 | $410372.43 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 100.45 | Retail |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 513674202 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $5709.92 | $5709.92 | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $13125.00 | $2199.96 | $1093.75 | $183.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/27/2024 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.11 |  |  |  |  |  |  |  | 07/01/2054 | $119847.18 | 11.410% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 535662777 |  |  |  | Non QM |  |  |  | Yes | No | $8340.00 | $9399.00 |  | 7.655% | $4195.29 | $4195.29 | 7.500% | No | Yes | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17258.05 | 1 | $3307.56 | $5594.88 | $275.63 | $466.24 |  |  |  |  |  | 32.371% | 32.371% | 32.371% | 05/21/2024 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2024 | [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 - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $8340.00 |  | 6.940% | $0.00 | 2.6 |  |  |  | Yes | No | 7.500% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | 07/01/2054 | $1806713.13 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 330.44 |  | No | No |  | $19175.74 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 506047216 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2066.90 | $2066.90 | 9.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1767.72 | $2552.04 | $147.31 | $212.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/03/2024 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | CMS |  |  |  | $0.00 | 1.6 |  |  |  | No | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  |  | 07/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 96.8 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 587798216 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3161.35 | $3161.35 | 7.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $12937.56 | $1701.00 | $1078.13 | $141.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/01/2024 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 | Yes |  | CMS |  |  |  | $0.00 |  |  |  |  | No | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 08/01/2054 | $26557.90 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.62 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 540660410 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4195.29 | $4195.29 | 7.500% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 2 | $6825.96 | $1413.96 | $568.83 | $117.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/06/2024 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | 08/01/2054 | $225299.40 | 28.160% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.71 |  |  |  |  | $0.00 | $0.00 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 502760453 |  |  |  | Non QM |  |  |  | Yes | No | $1978.10 | $2727.92 |  | 9.893% | $1011.49 | $1011.49 | 9.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2945.88 | 1 | $727.56 | $2084.04 | $60.63 | $173.67 |  |  |  |  |  | 45.615% | 45.615% | 45.615% | 04/23/2024 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021 | [Borrower]; 4506-C - 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 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Carrington | $1978.10 |  | 6.900% | $0.00 | 2.2 |  |  |  | Yes | No | 9.625% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2054 |  |  | No | 5 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 40.75 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 527992372 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2406.50 | $2406.50 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4459.44 | $2514.00 | $371.62 | $209.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/13/2024 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.4 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 08/01/2054 | $124948.93 | 29.390% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.28 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 528539672 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1830.67 | $1830.67 | 9.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1968.84 | $1750.92 | $164.07 | $145.91 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/30/2024 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.82 |  |  |  |  |  |  |  | 08/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 100.06 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 535624946 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1671.39 | $1671.39 | 7.990% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | $860.04 | $1470.96 | $71.67 | $122.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/05/2024 | 685 |  | 773 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.93 | 0.52 |  |  |  |  |  |  |  | 08/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 113.7 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 593514662 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1737.37 | $1737.37 | 7.990% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | $860.04 | $1328.04 | $71.67 | $110.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/05/2024 | 685 |  | 773 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.94 | 1.07 |  |  |  |  |  |  |  | 08/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 115.11 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 545739764 |  |  |  | Non QM |  |  |  | Yes | No | $0.00 | $121.79 |  | 7.000% | $4145.73 | $4145.73 | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11445.98 | 1 | $3986.04 | $5397.96 | $332.17 | $449.83 |  |  |  |  |  | 35.486% | 35.486% | 35.486% | 06/05/2024 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 67.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 67.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 67.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 67.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 67.00% \| Expense Ratio: 35.00000% \| 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 |  |  | CMS |  |  | 6.760% | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 599313255 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1627.41 | $1627.41 | 7.990% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | $860.04 | $1445.04 | $71.67 | $120.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/05/2024 | 685 |  | 773 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.98 | 0.51 |  |  |  |  |  |  |  | 08/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 115.08 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 584508593 |  |  |  | Non QM |  |  |  | Yes | No | $8649.85 | $10479.97 |  | 7.877% | $1810.97 | $1810.97 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5424.73 | 1 | $7893.60 | $3104.04 | $657.80 | $258.67 |  |  |  |  |  | 33.889% | 33.889% | 33.889% | 06/04/2024 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2017 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $8649.85 |  | 6.940% | $0.00 | 1.5 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 17.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2054 | $322157.25 | 89.730% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 78.67 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 586242968 |  |  |  | Non QM |  |  |  | Yes | No | $12377.80 | $12815.72 |  | 8.524% | $2924.40 | $2924.40 | 8.250% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7847.72 | 1 | $4479.24 | $1930.44 | $373.27 | $160.87 |  |  |  |  |  | 49.597% | 49.597% | 49.597% | 06/10/2024 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2024 | [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 - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $12377.80 |  | 6.860% | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | 08/01/2064 | $976826.64 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 280.75 |  | No | No |  | $7784.98 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 564185651 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $974.98 | $974.98 | 7.990% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $2314.44 | $756.96 | $192.87 | $63.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/16/2024 | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 2.2 |  |  |  | Yes | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | 08/01/2054 | $2000.00 | 1.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 36.43 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 569348326 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $8592.96 | $8592.96 | 8.875% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $8956.32 | $5547.12 | $746.36 | $462.26 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/29/2024 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | CMS |  |  |  | $0.00 | 5 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.65 | 0.61 |  |  |  |  |  |  |  | 08/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 98.74 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 540953386 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1606.71 | $1606.71 | 7.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1538.40 | $1268.04 | $128.20 | $105.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/17/2024 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.3 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.98 | 1.02 |  |  |  |  |  |  |  | 08/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 109.11 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 518944157 |  |  |  | Non QM |  |  |  | Yes | No | $3074.33 | $3767.19 |  | 8.095% | $827.46 | $827.46 | 7.750% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28171.17 | 1 | $1469.16 | $3599.04 | $122.43 | $299.92 |  |  |  |  |  | 24.810% | 24.810% | 24.810% | 06/20/2024 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 83.000% |  | 100.000% |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| 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> [Coborrower(s) - \| 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> [Coborrower(s) - \| 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) - \| 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> [Coborrower(s) - \| 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]; 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 - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $3074.33 |  | 6.860% | $0.00 | 1.2 |  |  |  | N/A | No | 7.750% | 2 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 32.29 |  |  | No |  | $31213.20 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 569093544 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2386.93 | $2386.93 | 8.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $9397.20 | $2256.96 | $783.10 | $188.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/23/2024 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 08/01/2054 | $146055.84 | 36.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.95 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 510873520 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4479.92 | $4479.92 | 7.990% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $16875.00 | $1539.96 | $1406.25 | $128.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/21/2024 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.3 |  |  |  | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.31 |  |  |  |  |  |  |  | 08/01/2064 | $729155.03 | 54.010% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 5.25 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 580051615 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2576.37 | $2576.37 | 7.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $11138.64 | $5553.96 | $928.22 | $462.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/21/2024 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.4 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.79 | 1.27 |  |  |  |  |  |  |  | 08/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 83.39 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 586465197 |  |  |  | N/A |  |  |  | No | No | $11890.00 | $13207.10 |  | 8.414% | $1812.67 | $1812.67 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6174.12 | 1 | $11472.84 | $6041.04 | $956.07 | $503.42 |  |  |  |  |  | 31.359% | 31.359% | 31.359% | 07/12/2024 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $11890.00 |  | 6.940% | $0.00 | 2 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2054 | $4211.55 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.13 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 510127824 |  |  |  | Non QM |  |  |  | Yes | No | $4470.00 | $5231.53 |  | 9.313% | $1082.08 | $1082.08 | 8.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2701.84 | 1 | $849.36 | $2645.16 | $70.78 | $220.43 |  |  |  |  |  | 33.699% | 33.699% | 33.699% | 05/20/2024 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023 | [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) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $4470.00 |  | 6.990% | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 5.97 | No |  |  |  |  |  |  |  |  |  | 08/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 84.06 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 555400093 |  |  |  | Non QM |  |  |  | Yes | No | $11191.60 | $12607.50 |  | 9.405% | $2160.77 | $2160.77 | 8.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6858.20 | 1 | $1981.56 | $1968.00 | $165.13 | $164.00 |  |  |  |  |  | 38.593% | 38.593% | 38.593% | 06/21/2024 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $11191.60 |  | 6.760% | $9585.00 | 1.2 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 5.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2054 | $2492.24 | 0.780% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.67 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 527358622 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $5675.09 | $5675.09 | 9.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $7750.80 | $1637.04 | $645.90 | $136.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/26/2024 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | No | No | 9.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 09/01/2054 | $109187.24 | 11.740% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.84 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 538376321 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1121.17 | $1121.17 | 8.125% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $5898.36 | $2431.08 | $491.53 | $202.59 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/31/2024 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.66 |  |  |  |  |  |  |  | 09/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 75.68 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 570530921 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2937.68 | $2937.68 | 8.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | $5781.96 | $2904.96 | $481.83 | $242.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/08/2024 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.21 |  |  |  |  |  |  |  | 09/01/2054 | $94084.99 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 25.57 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 514031275 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2664.29 | $2664.29 | 8.500% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 2 | $5198.88 | $2427.84 | $433.24 | $202.32 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/08/2024 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | 09/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 16.33 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 591897819 |  |  |  | Non QM |  |  |  | Yes | No | $21215.63 | $26374.22 |  | 7.957% | $5228.83 | $5228.83 | 7.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9208.77 | 1 | $18761.16 | $2847.00 | $1563.43 | $237.25 |  |  |  |  |  | 47.800% | 47.800% | 47.800% | 08/05/2024 | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 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<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $21215.63 |  | 6.430% | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  | 09/01/2054 | $547086.72 | 55.540% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 34.54 |  |  | No |  | $4410.32 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 527792797 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1553.89 | $1553.89 | 8.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5048.64 | $618.00 | $420.72 | $51.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/04/2024 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | CMS |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  |  |  |  |  | 09/01/2054 | $2750.00 | 0.980% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.76 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 580189631 |  |  |  | Non QM |  |  |  | Yes | No | $22464.40 | $13854.08 |  | 8.067% | $4901.47 | $4901.47 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17491.41 | 1 | $6468.00 | $1500.00 | $539.00 | $125.00 |  |  |  |  |  | 27.487% | 27.487% | 27.487% | 07/10/2024 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2024<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2024<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Borrower - \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - \| Primary Income - P&L Statement Only]; 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) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $22464.40 |  | 6.900% | $0.00 | 1 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 24.00 | No |  |  |  |  |  |  |  |  |  | 09/01/2054 | $160207.71 | 18.520% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.13 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 585447066 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1567.42 | $1567.42 | 8.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2012.04 | $1115.04 | $167.67 | $92.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/31/2024 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.91 |  |  |  |  |  |  |  | 09/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 102.33 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 536038193 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2111.70 | $2111.70 | 8.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $3950.64 | $3335.40 | $329.22 | $277.95 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/18/2024 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | 09/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 95.38 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 506280036 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2588.11 | $2588.11 | 8.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $4388.88 | $864.00 | $365.74 | $72.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/02/2024 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.29 |  |  |  |  |  |  |  | 09/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 31.91 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 564984100 |  |  |  | Non QM |  |  |  | Yes | No | $3049.73 | $5305.88 |  | 7.192% | $1743.09 | $1743.09 | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19948.92 | 1 | $3196.68 | $2139.96 | $266.39 | $178.33 |  |  |  |  |  | 16.487% | 16.487% | 16.487% | 07/24/2024 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $3049.73 |  | 6.430% | $0.00 | 1 |  |  |  | No | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 09/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.34 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 550640342 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $997.95 | $997.95 | 7.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3542.28 | $2682.24 | $295.19 | $223.52 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/10/2024 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | 09/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.51 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 538729443 |  |  |  | Non QM |  |  |  | Yes | No | $7491.53 | $3232.75 |  | 9.684% | $1595.52 | $1595.52 | 9.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10579.04 | 1 | $6010.20 | $3120.96 | $500.85 | $260.08 |  |  |  |  |  | 29.677% | 29.677% | 29.677% | 05/30/2024 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 27.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 27.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 27.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 27.00000% \| Expense Ratio Source: CPA Letter \| # 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 |  |  | CMS | $7491.53 |  | 6.900% | $0.00 |  |  |  |  | N/A | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 09/01/2054 | $3521.93 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 21.37 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 581430035 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2729.12 | $2729.12 | 8.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3321.96 | $1002.84 | $276.83 | $83.57 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/15/2024 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 09/01/2064 | $148259.96 | 30.880% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.04 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 569570597 |  |  |  | Non QM |  |  |  | Yes | No | $12511.25 | $13482.73 |  | 8.231% | $2099.09 | $2099.09 | 7.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9092.10 | 1 | $7641.96 | $3533.04 | $636.83 | $294.42 |  |  |  |  |  | 38.879% | 38.879% | 38.879% | 08/15/2024 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 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 |  |  | CMS | $12511.25 |  | 6.690% | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 09/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 11.02 | Retail |  | No |  | $7437.72 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 553642280 |  |  |  | Non QM |  |  |  | Yes | No | $36605.60 | $41715.10 |  | 9.370% | $9269.25 | $9269.25 | 9.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20413.38 | 1 | $10990.08 | $11545.08 | $915.84 | $962.09 |  |  |  |  |  | 42.503% | 42.503% | 42.503% | 07/05/2024 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023 | [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) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $36605.60 |  | 6.800% | $0.00 | 1.1 |  |  |  | No | No | 9.000% | 0 |  | 0 | 0 | 3 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | 09/01/2054 | $165836.05 | 12.950% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.29 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 513388860 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1159.70 | $1159.70 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2261.40 | $2817.96 | $188.45 | $234.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/20/2024 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 2.4 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | 09/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 98.85 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 501413393 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1587.76 | $1587.76 | 9.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | $5733.84 | $3195.96 | $477.82 | $266.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/22/2024 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | 1 |  |  |  |  |  |  |  |  |  | 4 |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.87 | 0.54 |  |  |  |  |  |  |  | 09/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 71.28 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 574245205 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1690.73 | $1690.73 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4135.80 | $1395.00 | $344.65 | $116.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/20/2024 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 09/01/2054 | $91695.09 | 30.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.94 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 582177576 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1457.46 | $1457.46 | 8.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $3343.20 | $1747.68 | $278.60 | $145.64 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/24/2024 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | 09/01/2054 | $9416.86 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 501876652 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1750.86 | $1750.86 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6184.80 | $1313.52 | $515.40 | $109.46 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/20/2024 | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | CMS |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.88 | 1.14 |  |  |  |  |  |  |  | 09/01/2054 | $119617.09 | 35.380% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.85 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 594362850 |  |  |  | Non QM |  |  |  | Yes | No | $14962.00 | $17032.56 |  | 8.212% | $3625.35 | $3625.35 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8694.90 | 1 | $7702.20 | $5625.00 | $641.85 | $468.75 |  |  |  |  |  | 42.619% | 42.619% | 42.619% | 08/12/2024 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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 |  |  | CMS | $14962.00 |  | 6.690% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 09/01/2054 | $6500.00 | 1.040% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.46 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 570733440 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3378.85 | $3378.85 | 7.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $13169.16 | $4772.64 | $1097.43 | $397.72 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/01/2024 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  |  |  |  |  | 09/01/2054 | $290659.82 | 44.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.36 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 595306878 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1531.40 | $1531.40 | 8.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | $2855.88 | $1497.00 | $237.99 | $124.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/04/2024 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.68 |  |  |  |  |  |  |  | 09/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.52 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 576425157 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $7279.72 | $7279.72 | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | $8567.64 | $3254.04 | $713.97 | $271.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/11/2024 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | 09/01/2054 | $50515.46 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 6.35 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 537185484 |  |  |  | Non QM |  |  |  | Yes | No | $21112.00 | $22646.67 |  | 8.453% | $5457.35 | $5457.35 | 8.125% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $15297.74 | 1 | $13452.96 | $3808.56 | $1121.08 | $317.38 |  |  |  |  |  | 34.562% | 34.562% | 34.562% | 08/15/2024 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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 |  |  | CMS | $21112.00 |  | 6.450% | $52500.00 | 1.6 |  |  |  | Yes | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 09/01/2054 | $106745.07 | 10.160% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 14.2 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 556313291 |  |  |  | Non QM |  |  |  | Yes | No | $10944.80 | $11994.60 |  | 8.571% | $2168.09 | $2168.09 | 8.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3788.89 | 1 | $1821.12 | $1150.08 | $151.76 | $95.84 |  |  |  |  |  | 43.589% | 43.589% | 43.589% | 08/05/2024 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $10944.80 |  | 6.450% | $5475.00 | 1 |  |  |  | No | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | 09/01/2054 | $203303.06 | 55.690% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 47.78 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 526636410 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1502.24 | $1502.24 | 9.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3249.00 | $2677.32 | $270.75 | $223.11 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/25/2024 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.23 |  |  |  |  |  |  |  | 09/01/2054 | $342037.71 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 126.41 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 517153442 |  |  |  | Non QM |  |  |  | Yes | No | $6022.50 | $7327.75 |  | 8.053% | $1231.56 | $1231.56 | 7.625% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4628.05 | 1 | $3851.88 | $2306.52 | $320.99 | $192.21 |  |  |  |  |  | 34.061% | 34.061% | 34.061% | 08/09/2024 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<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 - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $6022.50 |  | 6.690% | $0.00 | 1.9 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 09/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 6.11 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 516411388 |  |  |  | Non QM |  |  |  | Yes | No | $9470.00 | $4309.50 |  | 8.311% | $2794.71 | $2794.71 | 8.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14264.30 | 1 | $5382.72 | $1173.96 | $448.56 | $97.83 |  |  |  |  |  | 19.308% | 19.308% | 19.308% | 07/03/2024 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 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) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $9470.00 |  | 6.430% | $10000.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 10/01/2054 | $137341.17 | 29.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.9 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 525996161 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1248.16 | $1248.16 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4744.08 | $1601.04 | $395.34 | $133.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/23/2024 | 819 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | 10/01/2054 | $290987.63 | 88.170% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 76.62 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 514930503 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2507.44 | $2507.44 | 7.750% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $3548.76 | $7905.96 | $295.73 | $658.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/18/2024 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.9 |  |  |  | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.15 |  |  |  |  |  |  |  | 10/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 93.05 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 540750474 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $905.34 | $905.34 | 7.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $260.64 | $1470.00 | $21.72 | $122.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/24/2024 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 2.5 |  |  |  | No | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.72 | 0.58 |  |  |  |  |  |  |  | 10/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 111.38 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 565398329 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1847.34 | $1847.34 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 4 | $4088.28 | $9570.96 | $340.69 | $797.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/22/2024 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | 6 |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | 10/01/2054 | $24422.28 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 43.97 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 506657386 |  |  |  | Non QM |  |  |  | Yes | No | $2625.00 | $4326.65 |  | 7.036% | $972.90 | $972.90 | 6.750% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4844.18 | 1 | $1811.52 | $2823.48 | $150.96 | $235.29 |  |  |  |  |  | 28.555% | 28.555% | 28.555% | 08/09/2024 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $2625.00 |  | 6.320% | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | 10/01/2054 | $143450.10 | 37.250% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 70.18 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 503086745 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3756.33 | $3756.33 | 8.250% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $10797.12 | $7731.00 | $899.76 | $644.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/21/2024 | 665 | 740 | 740 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.18 |  |  |  |  |  |  |  | 10/01/2054 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 86.18 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 579991303 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2999.28 | $2999.28 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $5188.92 | $1508.76 | $432.41 | $125.73 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/19/2024 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | 10/01/2054 | $200192.34 | 34.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 50.82 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 537733325 |  |  |  | Non QM |  |  |  | Yes | No | $7452.50 | $7790.99 |  | 6.654% | $1690.69 | $1690.69 | 6.375% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12219.92 | 1 | $15325.08 | $1359.96 | $1277.09 | $113.33 |  |  |  |  |  | 22.151% | 22.151% | 22.151% | 08/06/2024 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | CMS | $7452.50 |  | 6.320% | $0.00 |  |  |  |  | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 10/01/2054 | $135083.50 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 42.38 |  |  | No |  | $15697.03 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 578445682 |  |  |  | Non QM |  |  |  | Yes | No | $9750.00 | $12985.01 |  | 7.666% | $4838.56 | $4838.56 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11649.50 | 1 | $27290.16 | $7029.00 | $2274.18 | $585.75 |  |  |  |  |  | 47.628% | 47.628% | 47.628% | 08/22/2024 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $9750.00 |  | 6.430% | $110000.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 10/01/2054 | $133739.76 | 15.460% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.04 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 532347761 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2034.61 | $2034.61 | 7.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4473.00 | $957.00 | $372.75 | $79.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/23/2024 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | 10/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 106.83 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 531852757 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2215.48 | $2215.48 | 6.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $7769.64 | $7773.00 | $647.47 | $647.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/04/2024 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.97 | 1.03 |  |  |  |  |  |  |  | 10/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 53.07 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 541825377 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2000.94 | $2000.94 | 7.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4860.00 | $891.00 | $405.00 | $74.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/20/2024 | 818 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | 10/01/2054 | $475861.97 | 96.130% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 101.33 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 589482142 |  |  |  | Non QM |  |  |  | Yes | No | $4775.00 | $2260.10 |  | 7.892% | $1110.44 | $1110.44 | 7.750% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15757.18 | 1 | $3683.28 | $2647.56 | $306.94 | $220.63 |  |  |  |  |  | 30.880% | 30.880% | 30.880% | 08/20/2024 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 85.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 85.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 85.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 85.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 85.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2016<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 85.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2004 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $4775.00 |  | 6.320% | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 10/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 88 |  | No | No |  | $22796.97 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 526078841 |  |  |  | Non QM |  |  |  | Yes | No | $50386.50 | $18670.01 |  | 8.874% | $11407.16 | $11407.16 | 8.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $35831.59 | 1 | $5660.76 | $18927.96 | $471.73 | $1577.33 |  |  |  |  |  | 40.331% | 40.331% | 40.331% | 09/18/2024 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 58.000% |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| 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 - 2024<br> [Borrower - \| 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 - 2024<br> [Borrower - \| Non-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 - \| 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 - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2008<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2008<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2019<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; 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<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $50386.50 |  | 6.350% | $0.00 |  |  |  |  | N/A | No | 8.750% | 2 | 2 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 10/01/2054 | $0.00 |  | No | 20 | 20 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 68.45 |  | No | No |  | $15612.75 | $5024.93 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 596411007 |  |  |  | Non QM |  |  |  | Yes | No | $11697.00 | $4062.40 |  | 8.375% | $2178.12 | $2178.12 | 8.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3482.98 | 1 | $5835.00 | $3619.80 | $486.25 | $301.65 |  |  |  |  |  | 47.976% | 47.976% | 47.976% | 09/13/2024 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 63.000% | 100.000% |  |  | [Borrower - \| 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 - 2024<br> [Borrower - \| 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 - 2024<br> [Borrower - \| 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 - 2024<br> [Borrower - \| 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 - 2024<br> [Borrower - \| Non-Primary Income - Trust Income]; Trustee's Statement - 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 |  |  | CMS | $11697.00 |  | 6.450% | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 10/01/2064 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 31.16 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 545601536 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2295.53 | $2295.53 | 9.500% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $8250.00 | $3037.68 | $687.50 | $253.14 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/06/2024 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 9.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.77 | 1.31 |  |  |  |  |  |  |  | 10/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 75.82 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 546182523 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $590.34 | $590.34 | 8.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4779.84 | $1330.56 | $398.32 | $110.88 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/27/2024 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.59 | 0.63 |  |  |  |  |  |  |  | 10/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 60.94 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 |  |  |  | No | No | No | No |
|  | 593057774 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2943.01 | $2943.01 | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $10679.28 | $837.00 | $889.94 | $69.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/22/2024 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | 10/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 53.74 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 562812178 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1795.76 | $1795.76 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $2795.40 | $2031.96 | $232.95 | $169.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/14/2024 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | 10/01/2054 | $93626.49 | 28.800% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.26 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 562227584 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1408.62 | $1408.62 | 8.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2010.24 | $1070.04 | $167.52 | $89.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/28/2024 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.9 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.07 |  |  |  |  |  |  |  | 10/01/2054 | $3000.00 | 1.200% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.67 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 569169905 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $797.21 | $797.21 | 7.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $3848.28 | $599.04 | $320.69 | $49.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/02/2024 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.73 | 0.58 |  |  |  |  |  |  |  | 10/01/2054 | $6300.60 | 4.340% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.88 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 505962011 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1794.50 | $1794.50 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5747.04 | $1533.96 | $478.92 | $127.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/19/2024 | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.77 |  |  |  |  |  |  |  | 11/01/2054 | $375730.69 | 62.620% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.87 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 507325904 |  |  |  | Non QM |  |  |  | Yes | No | $11360.25 | $11016.94 |  | 7.745% | $2888.46 | $2888.46 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9401.38 | 1 | $7800.60 | $1383.00 | $650.05 | $115.25 |  |  |  |  |  | 28.207% | 28.207% | 28.207% | 07/31/2024 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 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 |  |  | CMS | $11360.25 |  | 6.150% | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 | $78051.25 | 16.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.51 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 525283944 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2120.83 | $2120.83 | 7.875% | No | No |  |  |  |  |  |  | US Citizen | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | $7813.32 | $1821.96 | $651.11 | $151.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/09/2024 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | 11/01/2054 | $222152.69 | 49.360% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 20.7 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | Yes | No | No |
|  | 552659111 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1369.58 | $1369.58 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $1660.20 | $1856.04 | $138.35 | $154.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/22/2024 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | 11/01/2054 | $204778.83 | 79.370% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 73.75 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 543849032 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1670.51 | $1670.51 | 7.749% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2733.36 | $1218.00 | $227.78 | $101.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/24/2024 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 11/01/2054 | $55207.77 | 18.870% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.68 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 590537609 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3089.53 | $3089.53 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5720.28 | $1608.96 | $476.69 | $134.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/06/2024 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | 11/01/2054 | $200024.48 | 34.780% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.28 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 505698494 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4101.92 | $4101.92 | 8.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4706.76 | $1653.96 | $392.23 | $137.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/09/2024 | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.7 |  |  |  | No | No | 8.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  |  |  |  |  | 11/01/2054 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.21 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No |
|  | 566070134 |  |  |  | Non QM |  |  |  | Yes | No | $5880.00 | $6206.47 |  | 7.911% | $1047.79 | $1047.79 | 7.490% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6598.96 | 1 | $756.84 | $2714.40 | $63.07 | $226.20 |  |  |  |  |  | 35.149% | 35.149% | 35.149% | 09/18/2024 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [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 - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $5880.00 |  | 6.360% | $0.00 | 1.1 |  |  |  | N/A | No | 7.490% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 11.23 |  |  | No |  | $0.00 | $4099.50 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 545034098 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2241.50 | $2241.50 | 6.490% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $8178.48 | $1232.04 | $681.54 | $102.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/18/2024 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 11/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 4.51 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 541767485 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1471.75 | $1471.75 | 7.874% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1536.96 | $1056.00 | $128.08 | $88.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/20/2024 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | 11/01/2054 | $40423.02 | 13.930% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.57 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 586722707 |  |  |  | Non QM |  |  |  | Yes | No | $8250.00 | $11945.20 |  | 7.001% | $1920.73 | $1920.73 | 6.624% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8958.14 | 1 | $12924.24 | $6977.04 | $1077.02 | $581.42 |  |  |  |  |  | 31.535% | 31.535% | 31.535% | 09/18/2024 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2023 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | CMS | $8250.00 |  | 6.100% | $0.00 | 1.9 |  |  |  | No | No | 6.624% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 48.55 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 544586957 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $938.60 | $938.60 | 8.374% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2646.24 | $1425.00 | $220.52 | $118.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/12/2024 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  |  |  |  |  | 11/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 81.94 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 520701673 |  |  |  | Non QM |  |  |  | Yes | No | $23926.62 | $37245.32 |  | 7.576% | $7850.48 | $7850.48 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $33391.34 | 1 | $4546.08 | $6707.76 | $378.84 | $558.98 |  |  |  |  |  | 37.336% | 37.336% | 37.336% | 10/09/2024 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $23926.62 |  | 6.690% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 29.69 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 575677643 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2252.94 | $2252.94 | 9.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6300.48 | $3086.76 | $525.04 | $257.23 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/19/2024 | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 9.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.96 | 0.51 |  |  |  |  |  |  |  | 11/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 50.15 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No |
|  | 565143912 |  |  |  | Non QM |  |  |  | Yes | No | $10000.00 | $11586.31 |  | 7.131% | $5483.21 | $5483.21 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9076.28 | 1 | $10172.04 | $1755.00 | $847.67 | $146.25 |  |  |  |  |  | 48.039% | 48.039% | 48.039% | 08/23/2024 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $10000.00 |  | 6.120% | $0.00 | 1.8 |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 | $40299.30 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.05 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 530189681 |  |  |  | Non QM |  |  |  | Yes | No | $12560.00 | $16132.81 |  | 6.619% | $3917.49 | $3917.49 | 6.374% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12178.32 | 1 | $8675.76 | $1898.04 | $722.98 | $158.17 |  |  |  |  |  | 30.186% | 30.186% | 30.186% | 08/15/2024 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 90.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 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) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $12560.00 |  | 6.100% | $0.00 | 1 |  |  |  | Yes | No | 6.374% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 | $230395.05 | 29.340% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.43 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 535021807 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1327.15 | $1327.15 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3075.72 | $2811.96 | $256.31 | $234.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/21/2024 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.3 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1.01 |  |  |  |  |  |  |  | 11/01/2054 | $6710.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 23.36 | Retail |  |  |  | $0.00 | $0.00 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 502785164 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $852.72 | $852.72 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3543.24 | $467.04 | $295.27 | $38.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/26/2024 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.9 |  |  |  |  |  |  |  | 11/01/2054 | $298423.33 | 93.250% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 39.43 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 591735296 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2176.25 | $2176.25 | 7.624% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | $3679.32 | $1892.04 | $306.61 | $157.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/03/2024 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.78 | 0.56 |  |  |  |  |  |  |  | 11/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 54.91 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 523403763 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1356.59 | $1356.59 | 8.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1313.64 | $1556.04 | $109.47 | $129.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/12/2024 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 8.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | 11/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 97.33 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 565364352 |  |  |  | Non QM |  |  |  | Yes | No | $5628.00 | $6263.90 |  | 8.650% | $1277.03 | $1277.03 | 8.249% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5704.27 | 1 | $1583.28 | $1368.96 | $131.94 | $114.08 |  |  |  |  |  | 32.220% | 32.220% | 32.220% | 10/04/2024 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2024<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2023<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099 Transcript - 2022<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099 Transcript - 2023<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099 Transcript - 2022<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099 Transcript - 2023<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099 Transcript - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | Carrington | $5628.00 |  | 6.360% | $0.00 | 1 |  |  |  | N/A | No | 8.249% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 | $5129.05 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 36.69 |  | No | No |  | $7138.87 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 512679554 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1421.34 | $1421.34 | 6.624% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | $4609.92 | $2103.00 | $384.16 | $175.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/15/2024 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 12/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 57.47 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 521889068 |  |  |  | Non QM |  |  |  | Yes | No | $4787.40 | $6885.64 |  | 7.166% | $1445.10 | $1445.10 | 6.874% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $9023.23 | 1 | $26802.12 | $5262.00 | $2233.51 | $438.50 |  |  |  |  |  | 49.027% | 49.027% | 49.027% | 11/07/2024 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $4787.40 |  | 6.360% | $0.00 | 2.4 |  |  |  | Yes | No | 6.874% | 0 |  | 0 | 0 | 3 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | 12/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 28.57 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 582567071 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1061.59 | $1061.59 | 7.624% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1567.68 | $1086.00 | $130.64 | $90.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/08/2024 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.54 | 0.65 |  |  |  |  |  |  |  | 12/01/2054 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 50.97 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 550712258 |  |  |  | Non QM |  |  |  | Yes | No | $10524.15 | $13617.03 |  | 9.736% | $3214.53 | $3214.53 | 9.374% | No | Yes | Not Employed | Self-Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $34868.05 | 1 | $5368.20 | $972.00 | $447.35 | $81.00 |  |  |  |  |  | 28.991% | 28.991% | 28.991% | 08/21/2024 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $10524.15 |  | 6.590% | $18029.00 |  |  |  |  | N/A | No | 9.374% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 12/01/2054 | $54368.07 | 12.650% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 10.83 |  | No | No |  | $49103.93 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 599524552 |  |  |  | Non QM |  |  |  | Yes | No | $3063.00 | $2352.76 |  | 9.590% | $831.68 | $831.68 | 9.374% | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4399.98 | 1 | $714.36 | $1712.04 | $59.53 | $142.67 |  |  |  |  |  | 44.187% | 44.187% | 44.187% | 09/19/2024 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [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 - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  | 2 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Carrington | $3063.00 |  | 6.360% | $0.00 |  |  |  |  | N/A | No | 9.374% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 12/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 36.65 |  |  | No |  | $1416.70 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 581534575 |  |  |  | Non QM |  |  |  | Yes | No | $3650.00 | $11850.16 |  | 7.831% | $3609.40 | $3609.40 | 7.624% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8466.71 | 1 | $13957.32 | $2358.00 | $1163.11 | $196.50 |  |  |  |  |  | 37.236% | 37.236% | 37.236% | 09/25/2024 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $3650.00 |  | 6.100% | $0.00 | 1 |  |  |  | Yes | No | 7.624% | 0 |  | 0 | 0 | 3 | 0 |  |  | 8.00 | No |  |  |  |  |  |  |  |  |  | 12/01/2054 | $90203.68 | 15.030% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.9 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 586251131 |  |  |  | Non QM |  |  |  | Yes | No | $9539.92 | $5716.47 |  | 7.872% | $1417.22 | $1417.22 | 7.624% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6208.04 | 1 | $4926.84 | $1478.04 | $410.57 | $123.17 |  |  |  |  |  | 35.340% | 35.340% | 35.340% | 09/03/2024 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Primary Income - Pension]; Paystubs - 2024<br> [Borrower - \| Primary Income - Pension]; 1099 Transcript - 2023<br> [Borrower - \| Primary Income - Pension]; 1099-R - 2023<br> [Borrower - \| Primary Income - Pension]; 1099-R - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; 1099 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 |  |  | CMS | $9539.92 |  | 6.120% | $0.00 | 1 |  |  |  | Yes | No | 7.624% | 0 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 12/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.05 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 588530139 |  |  |  | Non QM |  |  |  | Yes | No | $4437.33 | $5755.58 |  | 9.577% | $817.97 | $817.97 | 8.990% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3864.64 | 1 | $2589.24 | $2162.04 | $215.77 | $180.17 |  |  |  |  |  | 40.919% | 40.919% | 40.919% | 10/02/2024 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2024 | [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 - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  | 2 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Carrington | $4437.33 |  | 6.400% | $0.00 | 1.1 |  |  |  | Yes | No | 8.990% | 2 | 0 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 12/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 16.49 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 591637127 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2106.28 | $2106.28 | 8.874% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | $2421.12 | $2166.00 | $201.76 | $180.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/03/2024 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | No | No | 8.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.61 | 0.62 |  |  |  |  |  |  |  | 12/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.19 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 552829434 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2382.47 | $2382.47 | 7.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | $7312.20 | $3402.00 | $609.35 | $283.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/02/2024 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | No | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | 12/01/2054 | $114865.58 | 28.270% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 564800206 |  |  |  | Non QM |  |  |  | Yes | No | $4900.00 | $7209.56 |  | 7.031% | $2627.45 | $2627.45 | 6.874% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13425.33 | 1 | $9140.52 | $3512.76 | $761.71 | $292.73 |  |  |  |  |  | 31.628% | 31.628% | 31.628% | 10/02/2024 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $4900.00 |  | 6.730% | $0.00 | 1 |  |  |  | Yes | No | 6.874% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | 12/01/2054 | $393663.91 | 53.190% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.63 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 593641691 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1754.14 | $1754.14 | 7.374% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $10374.00 | $928.44 | $864.50 | $77.37 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/09/2024 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.2 |  |  |  | Yes | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.16 |  |  |  |  |  |  |  | 12/01/2054 | $236687.45 | 52.130% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.21 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 595758756 |  |  |  | Non QM |  |  |  | Yes | No | $1895.00 | $10430.43 |  | 6.709% | $6453.67 | $6453.67 | 6.624% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $55689.11 | 1 | $7200.00 | $2297.04 | $600.00 | $191.42 |  |  |  |  |  | 27.495% | 27.495% | 27.495% | 10/23/2024 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $1895.00 |  | 6.590% | $10000.00 |  |  |  |  | No | No | 6.624% | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 12/01/2054 | $410980.43 | 28.540% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 49.94 |  | No | No |  | $0.00 | $2030.50 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 523683530 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1915.02 | $1915.02 | 7.624% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $3347.04 | $835.20 | $278.92 | $69.60 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/29/2024 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | 12/01/2064 | $10007.71 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 4.42 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 510324168 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $702.02 | $702.02 | 7.490% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $827.28 | $1209.00 | $68.94 | $100.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/21/2024 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | 12/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 58.33 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 525594769 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2457.36 | $2457.36 | 9.490% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4811.52 | $2508.00 | $400.96 | $209.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/17/2024 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.3 |  |  |  | No | No | 9.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 12/01/2054 | $444175.19 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 113.01 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 569140668 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $983.98 | $983.98 | 6.874% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $765.48 | $754.56 | $63.79 | $62.88 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/05/2024 | 819 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 3.7 |  |  |  | No | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1.01 |  |  |  |  |  |  |  | 12/01/2054 | $164596.70 | 69.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 57.76 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 582388728 |  |  |  | Non QM |  |  |  | Yes | No | $14190.00 | $24450.00 |  | 6.985% | $3005.51 | $3005.51 | 6.490% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5611.16 | 1 | $5949.96 | $2009.04 | $495.83 | $167.42 |  |  |  |  |  | 46.635% | 46.635% | 46.635% | 10/30/2024 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [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 - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $14190.00 |  | 6.780% | $5000.00 | 1 |  |  |  | Yes | No | 6.490% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 12/01/2054 | $60112.05 | 10.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.48 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 594730582 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1247.00 | $1247.00 | 7.874% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $289.92 | $1691.64 | $24.16 | $140.97 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/18/2024 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | No | No | 7.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.73 | 0.58 |  |  |  |  |  |  |  | 12/01/2054 | $108821.24 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 72.42 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 570155073 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1708.97 | $1708.97 | 8.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3024.00 | $2216.04 | $252.00 | $184.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/04/2024 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  |  |  |  |  | 12/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 85.32 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 564866668 |  |  |  | Non QM |  |  |  | Yes | No | $19396.65 | $22146.98 |  | 6.955% | $2872.92 | $2872.92 | 6.490% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5165.34 | 1 | $9585.12 | $3563.16 | $798.76 | $296.93 |  |  |  |  |  | 48.290% | 48.290% | 48.290% | 09/18/2024 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $19396.65 |  | 6.100% | $0.00 | 2.7 |  |  |  | Yes | No | 6.490% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | 12/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 41.1 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 528163126 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3272.29 | $3272.29 | 6.490% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $7141.68 | $1808.04 | $595.14 | $150.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/23/2024 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 12/01/2054 | $249636.72 | 35.910% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.69 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 593071857 |  |  |  | Non QM |  |  |  | Yes | No | $6830.00 | $8142.68 |  | 9.081% | $1982.31 | $1982.31 | 8.749% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4278.16 | 1 | $8078.16 | $1993.92 | $673.18 | $166.16 |  |  |  |  |  | 48.529% | 48.529% | 48.529% | 10/01/2024 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $6830.00 |  | 6.400% | $15000.00 | 1 |  |  |  | No | No | 8.749% | 0 |  | 0 | 0 | 2 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | 12/01/2054 | $91270.13 | 28.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.47 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 584257721 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2512.12 | $2512.12 | 7.874% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $3314.52 | $2430.96 | $276.21 | $202.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/29/2024 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 2 |  |  |  | No | No | 7.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.97 | 1.03 |  |  |  |  |  |  |  | 12/01/2054 | $202.03 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 19.74 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 581791943 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1224.91 | $1224.91 | 8.624% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $3016.44 | $924.96 | $251.37 | $77.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/21/2024 | 665 | 665 | 707 | 656 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 2.5 |  |  |  | Yes | No | 8.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | 12/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 32.68 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 572969600 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1353.00 | $1353.00 | 8.749% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $10382.28 | $1494.96 | $865.19 | $124.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/28/2024 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | 12/01/2054 | $33140.48 | 15.410% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.22 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 522206048 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2184.25 | $2184.25 | 7.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3210.60 | $1374.00 | $267.55 | $114.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/30/2024 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 12/01/2054 | $243439.70 | 63.720% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 57.82 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 563701800 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2474.84 | $2474.84 | 7.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $7415.40 | $1146.00 | $617.95 | $95.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/10/2024 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 01/01/2055 | $91242.54 | 21.620% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.31 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 549214039 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3314.91 | $3314.91 | 7.374% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $6334.08 | $1626.00 | $527.84 | $135.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/12/2024 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 01/01/2055 | $173632.27 | 28.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.9 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 541685383 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4655.29 | $4655.29 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $7551.24 | $671.04 | $629.27 | $55.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/09/2024 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | 01/01/2065 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 35.43 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 501446689 |  |  |  | Non QM |  |  |  | Yes | No | $11893.56 | $15604.46 |  | 8.896% | $4191.13 | $4191.13 | 8.624% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9792.93 | 1 | $6228.36 | $4800.00 | $519.03 | $400.00 |  |  |  |  |  | 36.977% | 36.977% | 36.977% | 11/20/2024 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2015 | [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 CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $11893.56 |  | 6.760% | $94258.83 | 2.6 |  |  |  | No | No | 8.624% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.00 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 | $8056.51 | 1.270% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.71 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 501870915 |  |  |  | Non QM |  |  |  | Yes | No | $18292.05 | $22400.85 |  | 9.713% | $4219.95 | $4219.95 | 9.249% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12465.34 | 1 | $9639.60 | $1463.04 | $803.30 | $121.92 |  |  |  |  |  | 30.607% | 30.607% | 30.607% | 10/17/2024 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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 - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $18292.05 |  | 6.630% | $0.00 |  |  |  |  | N/A | No | 9.249% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 | $128077.16 | 22.460% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 568959556 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1386.42 | $1386.42 | 6.990% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $3816.60 | $2193.96 | $318.05 | $182.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/21/2024 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 3.5 |  |  |  | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | 01/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 101.42 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 566485391 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $711.26 | $711.26 | 7.624% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 4 | $1222.20 | $2189.04 | $101.85 | $182.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/28/2024 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.01 | 0.5 |  |  |  |  |  |  |  | 01/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 75.72 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 566338596 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1067.18 | $1067.18 | 8.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $565.44 | $1461.96 | $47.12 | $121.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/12/2024 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 4.4 |  |  |  | No | No | 8.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.54 | 0.65 |  |  |  |  |  |  |  | 01/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 98.56 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 579802923 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2639.04 | $2639.04 | 7.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $6820.08 | $3221.04 | $568.34 | $268.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/01/2024 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | 01/01/2055 | $399948.97 | 56.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.63 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 564498106 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1227.67 | $1227.67 | 6.624% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1602.60 | $1490.16 | $133.55 | $124.18 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/18/2024 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.3 |  |  |  | No | No | 6.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 |  |  |  |  |  |  |  | 01/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 31.51 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 516073566 |  |  |  | Non QM |  |  |  | Yes | No | $8363.10 | $6974.85 |  | 8.285% | $1290.50 | $1290.50 | 7.874% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5201.05 | 1 | $4920.12 | $4431.96 | $410.01 | $369.33 |  |  |  |  |  | 49.503% | 49.503% | 49.503% | 11/18/2024 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [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 - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 |  |  | CMS | $8363.10 |  | 6.760% | $0.00 | 1 |  |  |  | Yes | No | 7.874% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 36.17 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 531071145 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $753.45 | $753.45 | 8.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1053.72 | $1041.96 | $87.81 | $86.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/08/2024 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 01/01/2055 | $26553.00 | 22.500% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 575891023 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1327.21 | $1327.21 | 7.490% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5181.00 | $2723.28 | $431.75 | $226.94 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/03/2024 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.1 |  |  |  | Yes | No | 7.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.01 | 0.5 |  |  |  |  |  |  |  | 01/01/2055 | $187362.55 | 39.440% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.03 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 542494620 |  |  |  | Non QM |  |  |  | Yes | No | $8620.10 | $9691.64 |  | 8.888% | $3005.88 | $3005.88 | 8.624% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6019.94 | 1 | $4700.88 | $1910.04 | $391.74 | $159.17 |  |  |  |  |  | 47.840% | 47.840% | 47.840% | 11/25/2024 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 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 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Carrington | $8620.10 |  | 6.690% | $0.00 | 1 |  |  |  | Yes | No | 8.624% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 60.51 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 522188874 |  |  |  | Non QM |  |  |  | Yes | No | $11224.00 | $12576.56 |  | 6.854% | $3297.26 | $3297.26 | 6.624% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11622.13 | 1 | $21008.16 | $3540.00 | $1750.68 | $295.00 |  |  |  |  |  | 31.955% | 31.955% | 31.955% | 11/20/2024 | 820 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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 |  |  | CMS | $11224.00 |  | 6.760% | $0.00 | 2.6 |  |  |  | No | No | 6.624% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 | $531070.78 | 61.390% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 43.31 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 532246673 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1795.58 | $1795.58 | 7.374% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4195.68 | $4801.56 | $349.64 | $400.13 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/25/2024 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.8 |  |  |  | No | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.8 |  |  |  |  |  |  |  | 01/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 47.01 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 591788079 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1795.58 | $1795.58 | 7.374% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4574.52 | $4807.68 | $381.21 | $400.64 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/25/2024 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  |  | 01/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 60.3 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 504667687 |  |  |  | Non QM |  |  |  | Yes | No | $20900.00 | $24482.09 |  | 8.183% | $5800.00 | $5800.00 | 7.874% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21052.61 | 1 | $13931.16 | $2310.84 | $1160.93 | $192.57 |  |  |  |  |  | 39.499% | 39.499% | 39.499% | 12/13/2024 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 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<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $20900.00 |  | 6.690% | $0.00 | 2.2 |  |  |  | No | No | 7.874% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 22.97 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 93.8 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 548267582 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1816.11 | $1816.11 | 7.750% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $4374.24 | $854.04 | $364.52 | $71.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/08/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 4.5 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 9.73 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 521120706 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6757.50 | $8102.94 |  | 7.048% | $2791.95 | $2791.95 | 6.875% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10764.15 | 1 | $17847.36 | $2022.00 | $1487.28 | $168.50 |  |  |  |  |  | 32.108% | 32.108% | 32.108% | 06/19/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 25.000% | 25.000% |  | [Borrower - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - \| 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> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [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<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 |  |  | Arc | $6757.50 |  | 6.660% | $0.00 | 2.6 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 08/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 91.28 |  |  | No |  | $7927.44 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 574756055 |  |  |  | Non QM |  |  |  | Yes | No | $7270.00 | $8040.40 |  | 7.255% | $1379.55 | $1379.55 | 6.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12019.63 | 1 | $15450.72 | $2306.16 | $1287.56 | $192.18 |  |  |  |  |  | 24.190% | 24.190% | 24.190% | 06/19/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 25.000% | 25.000% |  | [Borrower - \| 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 - \| 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 - \| 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 - \| 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> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [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<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 |  |  | Arc | $7270.00 |  | 6.770% | $0.00 | 1.5 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $17866.54 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 11.2 |  |  | No |  | $7927.48 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 502185289 |  |  |  | N/A |  |  |  | No | No | $20457.50 | $26342.99 |  | 9.063% | $10164.36 | $10164.36 | 8.875% | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $345102.78 | 3 | $8166.60 | $858.00 | $680.55 | $71.50 |  |  |  |  |  | 14.713% | 14.713% | 14.713% | 12/19/2024 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| 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) - \| 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) - \| 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) - \| 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) - \| 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 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $20457.50 |  | 6.650% | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 42.32 |  |  | No |  | $404637.26 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 569296880 |  |  |  | Non QM |  |  |  | Yes | No | $13965.00 | $17831.89 |  | 7.014% | $7016.00 | $7016.00 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $32284.46 | 1 | $10975.32 | $3094.20 | $914.61 | $257.85 |  |  |  |  |  | 22.991% | 22.991% | 22.991% | 03/06/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2012 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $13965.00 |  | 6.620% | $0.00 | 3.2 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $425588.91 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 49.91 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 594791031 |  |  |  | Non QM |  |  |  | Yes | No | $8925.88 | $8142.66 |  | 7.772% | $2080.16 | $2080.16 | 7.500% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3291.08 | 1 | $7026.84 | $2436.48 | $585.57 | $203.04 |  |  |  |  |  | 47.088% | 47.088% | 47.088% | 10/18/2024 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Annuity]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [Borrower]; 4506-C - 2023 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $8925.88 |  | 6.590% | $0.00 | 4 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 34.03 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 533639691 |  |  |  | Non QM |  |  |  | Yes | No | $8889.00 | $13923.70 |  | 7.010% | $3087.33 | $3087.33 | 6.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4551.35 | 1 | $7437.48 | $1617.96 | $619.79 | $134.83 |  |  |  |  |  | 49.245% | 49.245% | 49.245% | 03/11/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 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 |  |  | ClearEdge Lending | $8889.00 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $206177.12 | 34.650% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.04 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 545731737 |  |  |  | Non QM |  |  |  | Yes | No | $11309.00 | $12356.72 |  | 7.663% | $3094.22 | $3094.22 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $85652.07 | 1 | $2388.72 | $2265.00 | $199.06 | $188.75 |  |  |  |  |  | 12.552% | 12.552% | 12.552% | 01/16/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 96.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2009<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | ClearEdge Lending | $11309.00 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 73.79 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 582953880 |  |  |  | Non QM |  |  |  | Yes | No | $16549.00 | $18505.86 |  | 7.780% | $4544.89 | $4544.89 | 7.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5624.77 | 2 | $8763.96 | $1884.00 | $730.33 | $157.00 |  |  |  |  |  | 49.554% | 49.554% | 49.554% | 05/16/2025 | 636 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [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<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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $16549.00 |  | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 12.25 |  |  | No |  | $0.00 | $4866.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 540123312 |  |  |  | Non QM |  |  |  | Yes | No | $3443.00 | $7049.00 |  | 7.471% | $958.04 | $958.04 | 7.000% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3159.52 | 1 | $7317.12 | $1906.68 | $609.76 | $158.89 |  |  |  |  |  | 47.098% | 47.098% | 47.098% | 03/28/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [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<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) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $3443.00 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 28.69 | Retail |  | No |  | $2986.19 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 560755098 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1663.26 | $1663.26 | 7.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3401.52 | $1185.48 | $283.46 | $98.79 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/10/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | 05/01/2055 | $283332.28 | 56.660% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.28 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 549560407 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $5201.74 | $5201.74 | 8.375% | No | No |  |  |  |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $15442.20 | $840.00 | $1286.85 | $70.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/13/2025 | 699 | 785 | 799 | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 999 |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | 08/01/2055 | $536327.62 | 58.770% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 59.43 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 536350555 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $24224.85 | $27313.23 |  | 7.482% | $7538.05 | $7538.05 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $33620.18 | 1 | $33949.68 | $3621.96 | $2829.14 | $301.83 |  |  |  |  |  | 25.235% | 25.235% | 25.235% | 07/02/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $24224.85 |  | 6.830% | $0.00 | 2.2 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 08/01/2055 | $145272.02 | 11.170% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.83 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 527562783 |  |  |  | Non QM |  |  |  | Yes | No | $0.00 | $103.20 |  | 7.106% | $6701.83 | $6701.83 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20531.13 | 1 | $23094.84 | $3216.96 | $1924.57 | $268.08 |  |  |  |  |  | 36.725% | 36.725% | 36.725% | 04/28/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025 | [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 |  |  | Arc |  |  | 6.620% | $0.00 | 3.1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 06/01/2055 | $84526.43 | 6.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.24 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 500408726 |  |  |  | Non QM |  |  |  | Yes | No | $9215.36 | $9742.24 |  | 8.397% | $2880.89 | $2880.89 | 8.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $40726.29 | 1 | $6000.00 | $4478.04 | $500.00 | $373.17 |  |  |  |  |  | 20.814% | 20.814% | 20.814% | 02/21/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $9215.36 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.82 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 540852614 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4195.29 | $4195.29 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $10242.72 | $1607.04 | $853.56 | $133.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/14/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | 07/01/2055 | $250009.38 | 33.330% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.47 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 515910477 |  |  |  | Non QM |  |  |  | Yes | No | $18998.35 | $10945.85 |  | 7.559% | $3369.32 | $3369.32 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19285.33 | 1 | $5205.00 | $1746.96 | $433.75 | $145.58 |  |  |  |  |  | 36.368% | 36.368% | 36.368% | 04/28/2025 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $18998.35 |  | 6.770% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 52.81 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 522484814 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $0.00 | $5459.92 |  | 7.273% | $7930.30 | $7930.30 | 7.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22497.66 | 1 | $19374.96 | $1791.96 | $1614.58 | $149.33 |  |  |  |  |  | 41.799% | 41.799% | 41.799% | 03/14/2025 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 6.730% | $0.00 | 2 | DU |  | ApproveEligible | N/A | No | 7.250% | 2 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 04/01/2055 | $2433219.81 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 209.46 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 544295770 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4138.68 | $6661.00 |  | 7.822% | $1953.52 | $1953.52 | 7.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9076.57 | 1 | $5054.64 | $2838.84 | $421.22 | $236.57 |  |  |  |  |  | 39.287% | 39.287% | 39.287% | 04/07/2025 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [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 |  |  |  | $4138.68 |  | 6.620% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 7.625% | 2 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 |  |  | Yes |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $6416.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 566531263 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4464.20 | $2292.50 |  | 7.323% | $1910.10 | $1910.10 | 7.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5237.16 | 1 | $1594.56 | $2465.40 | $132.88 | $205.45 |  |  |  |  |  | 41.350% | 41.350% | 41.350% | 05/09/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4464.20 |  | 6.740% | $0.00 | 2.4 | LP / LPA |  | Accept/Eligible | No | No | 7.250% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 | $32332.61 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.38 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 540309370 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7375.00 | $14325.62 |  | 7.422% | $2093.59 | $2093.59 | 6.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2668.29 | 1 | $3394.56 | $2205.96 | $282.88 | $183.83 |  |  |  |  |  | 48.967% | 48.967% | 48.967% | 03/14/2025 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7375.00 |  | 6.700% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.990% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 | $7406.95 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.02 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 520422196 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $11507.50 | $12479.53 |  | 7.522% | $7140.17 | $7140.17 | 7.400% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19432.32 | 1 | $4065.72 | $8807.04 | $338.81 | $733.92 |  |  |  |  |  | 45.273% | 45.273% | 45.273% | 01/20/2025 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11507.50 |  | 6.930% | $1500.00 | 1.6 | LP / LPA |  | Accept/Eligible | Yes | No | 7.400% | 0 | 0 | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | 02/01/2055 | $246655.48 | 17.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.73 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 550971571 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10350.00 | $17357.75 |  | 6.641% | $2536.76 | $2536.76 | 6.250% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3620.02 | 1 | $1898.04 | $1749.00 | $158.17 | $145.75 |  |  |  |  |  | 44.557% | 44.556% | 44.556% | 02/24/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10350.00 |  | 6.730% | $0.00 | 1.5 | LP / LPA |  | Accept/Eligible | No | No | 6.250% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $1467.86 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 579172101 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8884.80 | $19074.75 |  | 7.161% | $3009.50 | $3009.50 | 6.750% | No | Yes | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10928.18 | 1 | $4621.80 | $3231.96 | $385.15 | $269.33 |  |  |  |  |  | 48.890% | 48.890% | 48.890% | 04/26/2025 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 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> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8884.80 |  | 6.740% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.750% | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 | $249900.10 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 66.62 | Retail | No | No |  | $0.00 | $16008.29 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 502628692 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $21656.68 | ($203.77) |  | 7.381% | $7901.33 | $7901.33 | 7.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16502.24 | 1 | $4991.40 | $2609.04 | $415.95 | $217.42 |  |  |  |  |  | 44.098% | 44.098% | 44.098% | 04/01/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| 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]; 4506-C - 2022<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]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $21656.68 |  | 6.700% | $0.00 | 1.7 | DU |  | ApproveEligible | N/A | No | 7.375% | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 05/01/2055 | $423897.09 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 48.57 |  |  | No |  | $0.00 | $16303.58 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 555473108 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9244.80 | $11804.40 |  | 7.184% | $2364.95 | $2364.95 | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4540.70 | 1 | $2223.96 | $4054.08 | $185.33 | $337.84 |  |  |  |  |  | 38.877% | 38.877% | 38.877% | 04/15/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025 | [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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9244.80 |  | 6.740% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.875% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 |  |  | No | 28 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 585863816 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7480.00 | $7480.00 |  | 7.084% | $4439.74 | $4439.74 | 6.990% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10671.89 | 1 | $10355.40 | $4151.04 | $862.95 | $345.92 |  |  |  |  |  | 49.972% | 49.972% | 49.972% | 03/26/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7480.00 |  | 6.740% | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | 6.990% | 2 | 2 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 | $69908.51 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 12.38 |  | No | No |  | $0.00 | $5809.54 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 513156944 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10375.00 | $10262.50 |  | 7.699% | $3775.76 | $3775.76 | 7.500% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | $6372.89 | 1 | $11172.96 | $2376.96 | $931.08 | $198.08 |  |  |  |  |  | 46.599% | 46.599% | 46.599% | 03/17/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 1040 - 2024<br> [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]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10375.00 |  | 6.880% | $0.00 | 1.4 | DU |  | ApproveEligible | N/A | No | 7.500% | 2 | 0 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 | $15498.09 |  | No | 5 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  | No | 9.12 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 571836999 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10389.00 | $13160.50 |  | 7.173% | $4386.57 | $4386.57 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10863.03 | 1 | $4144.32 | $11664.96 | $345.36 | $972.08 |  |  |  |  |  | 36.718% | 36.718% | 36.718% | 04/08/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 1040 - 2023<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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10389.00 |  | 6.800% | $0.00 | 2 | DU |  | ApproveEligible | N/A | No | 6.990% | 1 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 565677326 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3766.00 | $14629.55 |  | 7.450% | $7688.99 | $7688.99 | 7.269% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12831.34 | 1 | $15450.72 | $4551.60 | $1287.56 | $379.30 |  |  |  |  |  | 42.904% | 42.904% | 42.904% | 02/28/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 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 |  |  |  | $3766.00 |  | 6.850% | $0.00 | 1 | DU |  | ApproveEligible | No | No | 7.269% | 2 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | 04/01/2055 | $125561.96 | 10.040% | No | 25 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.09 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 533584787 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9928.75 | $7944.77 |  | 7.828% | $2802.87 | $2802.87 | 7.625% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6270.02 | 1 | $0.00 | $5488.08 | $0.00 | $457.34 |  |  |  |  |  | 49.773% | 49.772% | 49.772% | 04/04/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Disability]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Disability]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Foster Care]; Deposit Receipt - 2025<br> [Coborrower(s) - \| Non-Primary Income - Foster Care]; Award Letter / Continuance Letter - 2014 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9928.75 |  | 6.880% | $0.00 | 1.6 | DU |  | ApproveEligible | N/A | No | 7.625% | 0 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 | $51838.44 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 15.9 |  |  | No |  | $450.00 | $445.31 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 529877158 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2506.14 | $2145.01 |  | 6.814% | $1906.88 | $1906.88 | 6.750% | No | Yes | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19594.65 | 2 | $3878.40 | $1086.96 | $323.20 | $90.58 |  |  |  |  |  | 25.197% | 25.197% | 25.197% | 03/27/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2506.14 |  | 6.810% | $0.00 |  | DU |  | ApproveEligible | N/A | No | 6.750% | 0 | 1 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 | $218948.86 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 94.35 |  | No | No |  | $0.00 | $9360.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 501827606 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8322.53 | $8160.02 |  | 6.775% | $1915.17 | $1915.17 | 6.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3859.09 | 1 | $3360.72 | $720.00 | $280.06 | $60.00 |  |  |  |  |  | 40.760% | 40.760% | 40.760% | 03/07/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8322.53 |  | 6.620% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.500% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 558850643 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $12690.00 | $12940.00 |  | 6.986% | $7452.46 | $7452.46 | 6.875% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [redacted] |  |  |  | $27493.56 | 1 | $10854.72 | $2720.16 | $904.56 | $226.68 |  |  |  |  |  | 33.357% | 33.357% | 33.357% | 02/25/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12690.00 |  | 6.850% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.875% | 2 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 04/01/2055 | $147853.79 |  | Yes |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 11.44 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 567311079 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $11810.25 | $13172.49 |  | 7.146% | $3012.02 | $3012.02 | 6.875% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4569.63 | 1 | $2152.92 | $2152.92 | $179.41 | $179.41 |  |  |  |  |  | 48.087% | 48.087% | 48.087% | 04/17/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [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]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<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]; 1040 - 2023<br> [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 |  |  |  | $11810.25 |  | 6.800% | $0.00 | 1.8 | DU |  | ApproveEligible | N/A | No | 6.875% | 2 | 2 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 45.06 | Retail |  | No |  | $0.00 | $2303.64 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 567676576 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $17940.00 | $22075.69 |  | 8.198% | $6070.64 | $6070.64 | 7.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $46894.36 | 1 | $17655.96 | $4458.12 | $1471.33 | $371.51 |  |  |  |  |  | 17.509% | 17.509% | 17.509% | 01/09/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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 |  |  |  | $17940.00 |  | 6.870% | $0.00 | 2.6 | DU |  | ApproveEligible | No | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | 04/01/2055 | $232273.16 | 23.580% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.75 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 585487865 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8057.75 | $4973.82 |  | 7.648% | $1922.84 | $1922.84 | 7.500% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7218.32 | 1 | $4461.96 | $4070.04 | $371.83 | $339.17 |  |  |  |  |  | 32.281% | 32.281% | 32.281% | 04/09/2025 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; Account Transcripts - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8057.75 |  | 6.880% | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | 7.500% | 2 | 1 | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 | $12195.03 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 4.63 |  | No | No |  | $0.00 | $2125.28 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 591004829 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $14518.00 | $7663.15 |  | 7.932% | $6200.79 | $6200.79 | 7.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10470.39 | 1 | $13362.48 | $3170.76 | $1113.54 | $264.23 |  |  |  |  |  | 47.212% | 47.212% | 47.212% | 12/03/2024 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14518.00 |  | 6.890% | $0.00 | 1.7 | LP / LPA |  | Accept/Eligible | No | No | 7.875% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | 02/01/2055 | $183664.27 | 17.180% | No | 0 | 35 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.34 |  |  | No |  | $0.00 | $9749.80 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 581947839 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8750.00 | $749.26 |  | 7.255% | $4775.24 | $4775.24 | 7.250% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7378.33 | 1 | $6308.40 | $772.20 | $525.70 | $64.35 |  |  |  |  |  | 46.909% | 46.909% | 46.909% | 05/06/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [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]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8750.00 |  | 6.870% | $0.00 | 2.5 | DU |  | ApproveEligible | N/A | No | 7.250% | 2 | 1 | 1 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 | $80286.95 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 14.96 |  | No | No |  | $0.00 | $6628.27 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 569269289 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8263.20 | $8108.55 |  | 7.500% | $3425.75 | $3425.75 | 7.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5659.97 | 1 | $6442.44 | $4413.96 | $536.87 | $367.83 |  |  |  |  |  | 43.346% | 43.346% | 43.346% | 04/09/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8263.20 |  | 6.810% | $0.00 | 1.5 | DU |  | ApproveEligible | N/A | No | 7.375% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 |  |  | Yes |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 570934055 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $13146.00 | $14511.70 |  | 7.838% | $4563.86 | $4563.86 | 7.625% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7606.33 | 1 | $4196.16 | $4454.76 | $349.68 | $371.23 |  |  |  |  |  | 42.480% | 42.480% | 42.480% | 04/30/2025 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [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 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13146.00 |  | 6.880% | $0.00 | 1.9 | DU |  | ApproveEligible | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 537388923 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2585.00 | $11967.97 |  | 7.580% | $6388.75 | $6388.75 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $27517.53 | 1 | $13437.48 | $3230.52 | $1119.79 | $269.21 |  |  |  |  |  | 30.079% | 30.079% | 30.079% | 02/01/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [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 |  |  |  | $2585.00 |  | 6.920% | $0.00 | 1.8 | LP / LPA |  | Accept/Eligible | Yes | No | 7.375% | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | 04/01/2055 | $260667.61 | 24.240% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.64 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 512657007 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $15540.00 | $5873.36 |  | 7.713% | $3981.34 | $3981.34 | 7.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8892.33 | 1 | $4042.44 | $4526.04 | $336.87 | $377.17 |  |  |  |  |  | 43.672% | 43.672% | 43.672% | 05/01/2025 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  | $15540.00 |  | 6.620% | $0.00 | 1.6 | DU |  | ApproveEligible | N/A | No | 7.625% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $1965.40 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 598101108 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7324.68 | $7422.41 |  | 7.209% | $2246.45 | $2246.45 | 6.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4597.13 | 1 | $3480.60 | $1083.00 | $290.05 | $90.25 |  |  |  |  |  | 37.900% | 37.900% | 37.900% | 02/10/2025 | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7324.68 |  | 6.870% | $0.00 | 1.1 | LP / LPA |  | Accept/Eligible | Yes | No | 6.990% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 03/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 553032788 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $14395.00 | $1987.13 |  | 7.720% | $6304.43 | $6304.43 | 7.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11072.30 | 1 | $13749.96 | $1964.04 | $1145.83 | $163.67 |  |  |  |  |  | 47.895% | 47.895% | 47.895% | 01/03/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<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 |  |  |  | $14395.00 |  | 6.980% | $14000.00 | 1 | DU |  | ApproveEligible | Yes | No | 7.750% | 1 | 2 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | 03/01/2055 | $322604.51 | 29.320% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.27 |  | No | No |  | $0.00 | $10416.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 553836132 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9331.60 | $3669.14 |  | 7.625% | $2237.49 | $2237.49 | 7.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5474.34 | 1 | $3887.04 | $6219.84 | $323.92 | $518.32 |  |  |  |  |  | 40.540% | 40.540% | 40.540% | 02/05/2025 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9331.60 |  | 6.870% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 7.500% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 03/01/2055 |  |  | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 534725069 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2240.00 | $8710.22 |  | 7.157% | $7730.14 | $7730.14 | 7.124% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16529.90 | 1 | $14750.16 | $9309.96 | $1229.18 | $775.83 |  |  |  |  |  | 40.787% | 40.787% | 40.787% | 12/30/2024 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2024<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Annuity]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - Annuity]; 1099 - 2023<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2024<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; 1099-R - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2240.00 |  | 6.690% | $0.00 | 1.2 | DU |  | ApproveEligible | No | No | 7.124% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | 02/01/2055 | $1983644.24 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 200.67 | Retail |  | No |  | $18865.55 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 564254460 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $14905.00 | $15093.86 |  | 7.530% | $3492.75 | $3492.75 | 7.250% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4095.93 | 1 | $5151.60 | $1986.96 | $429.30 | $165.58 |  |  |  |  |  | 49.949% | 49.949% | 49.949% | 04/23/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 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]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14905.00 |  | 6.740% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 7.250% | 0 | 1 | 2 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 | $40661.93 |  | No |  | 7 |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 9.95 |  |  | No |  | $0.00 | $6271.10 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 588748797 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9100.00 | $5219.15 |  | 7.002% | $2634.29 | $2634.29 | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5511.94 | 1 | $4596.00 | $754.08 | $383.00 | $62.84 |  |  |  |  |  | 49.121% | 49.121% | 49.121% | 02/26/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9100.00 |  | 6.730% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.875% | 1 |  | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 04/01/2055 | $30404.64 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.8 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 516943167 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3235.00 | $9343.61 |  | 7.916% | $7244.96 | $7244.96 | 7.873% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17203.34 | 1 | $14875.80 | $2249.04 | $1239.65 | $187.42 |  |  |  |  |  | 40.049% | 40.049% | 40.049% | 01/07/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3235.00 |  | 6.930% | $0.00 | 2.6 | DU |  | ApproveEligible | Yes | No | 7.873% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | 03/01/2055 | $148174.31 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.04 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 582084780 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5163.75 | $10702.38 |  | 7.165% | $9936.37 | $9936.37 | 7.040% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19208.68 | 1 | $33715.80 | $4807.92 | $2809.65 | $400.66 |  |  |  |  |  | 42.310% | 42.310% | 42.310% | 01/17/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Vesting Schedule - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | First United | $5163.75 |  | 7.070% | $0.00 | 2.9 | DU |  | ApproveIneligible | Yes | No | 7.040% | 0 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | 03/01/2055 | $398688.60 | 22.780% | No |  | 36 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 19.59 |  |  | No |  | $0.00 | $23296.37 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 504850873 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $18062.50 | $24828.55 |  | 7.755% | $6533.53 | $6533.53 | 7.299% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12464.80 | 1 | $13374.96 | $6197.16 | $1114.58 | $516.43 |  |  |  |  |  | 44.768% | 44.768% | 44.768% | 03/06/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 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 |  |  |  | $18062.50 |  | 6.730% | $5000.00 | 1 | DU |  | ApproveEligible | Yes | No | 7.299% | 0 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | 04/01/2055 | $31770.00 | 2.960% | No | 25 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 588976403 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7423.00 | $9931.52 |  | 7.062% | $7027.98 | $7027.98 | 6.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14337.84 | 3 | $5494.08 | $4080.96 | $457.84 | $340.08 |  |  |  |  |  | 43.586% | 43.586% | 43.586% | 04/16/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7423.00 |  | 6.740% | $0.00 |  | DU |  | ApproveEligible | N/A | No | 6.990% | 3 |  | 1 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 | $148212.67 |  | Yes |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.94 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 514465542 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $19586.07 | $20177.54 |  | 7.031% | $4585.59 | $4585.59 | 6.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7123.58 | 1 | $7075.92 | $1882.08 | $589.66 | $156.84 |  |  |  |  |  | 46.563% | 46.563% | 46.563% | 05/01/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $19586.07 |  | 6.870% | $0.00 | 3.7 | DU |  | ApproveEligible | N/A | No | 6.750% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 | $187782.10 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 35.22 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 521342420 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $21820.00 | $22907.50 |  | 7.457% | $7367.51 | $7367.51 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18846.04 | 1 | $24827.16 | $6729.00 | $2068.93 | $560.75 |  |  |  |  |  | 36.368% | 36.368% | 36.368% | 12/04/2024 | 625 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $21820.00 |  | 6.920% | $0.00 | 1.6 | DU |  | ApproveEligible | N/A | No | 7.250% | 2 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 03/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 514351299 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1890.00 | $4392.10 |  | 7.821% | $2837.00 | $2837.00 | 7.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4539.09 | 1 | $3526.80 | $1128.96 | $293.90 | $94.08 |  |  |  |  |  | 49.972% | 49.972% | 49.972% | 02/10/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [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 |  |  |  | $1890.00 |  | 6.850% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 7.750% | 1 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 04/01/2055 | $394194.78 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 117.5 | Retail |  | No |  | $0.00 | $2666.31 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 584594034 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16159.62 | $21467.53 |  | 7.024% | $8096.65 | $8096.65 | 6.875% | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | [redacted] | [redacted] |  |  | $20912.87 | 1 | $9831.48 | $2160.00 | $819.29 | $180.00 |  |  |  |  |  | 32.530% | 32.530% | 32.530% | 02/26/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Citi | $16159.62 |  | 6.850% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | 6.875% | 1 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | VISA | VISA |  |  |  | 11.48 |  |  | No |  | $0.00 | $11254.13 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 555693584 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2660.00 | $4531.35 |  | 7.611% | $2125.61 | $2125.61 | 7.500% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5652.15 | 1 | $2704.44 | $4150.32 | $225.37 | $345.86 |  |  |  |  |  | 49.910% | 49.910% | 49.910% | 04/11/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - VA Service Related Disability]; Other - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2660.00 |  | 6.620% | $0.00 | 3.8 | DU |  | ApproveEligible | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 | $20923.25 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 7.76 | Retail | No | No |  | $6799.49 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 510867531 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $18237.60 | $12107.60 |  | 7.502% | $6437.10 | $6437.10 | 7.375% | No | No | Employed | Employed | Employed |  | 7.76 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $15872.87 | 1 | $14562.48 | $2199.00 | $1213.54 | $183.25 |  |  |  |  |  | 47.611% | 47.611% | 47.611% | 04/02/2025 | 738 | 795 | 782 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Projected Income]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Projected Income]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $18237.60 |  | 6.650% | $6130.00 | 1 | DU |  | ApproveEligible | N/A | No | 7.375% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 05/01/2055 | $327854.33 | 28.140% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 10.51 |  | Yes | No |  | $19368.56 | $3303.73 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 503022767 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $13992.00 | $15607.81 |  | 7.464% | $4601.97 | $4601.97 | 7.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16249.85 | 1 | $7887.36 | $5214.24 | $657.28 | $434.52 |  |  |  |  |  | 30.137% | 30.137% | 30.137% | 04/23/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13992.00 |  | 6.620% | $0.00 | 2.7 | DU |  | ApproveEligible | N/A | No | 7.250% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 | $46494.81 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.17 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 532943381 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4318.00 | $4328.00 |  | 7.586% | $3019.21 | $3019.21 | 7.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8925.96 | 1 | $7259.76 | $2438.04 | $604.98 | $203.17 |  |  |  |  |  | 44.502% | 44.502% | 44.502% | 01/15/2025 | 653 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4318.00 |  | 6.980% | $0.00 | 1.2 | LP / LPA |  | Accept/Eligible | No | No | 7.500% | 2 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 03/01/2055 |  |  | No |  | 24 |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $5416.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 523584938 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $18467.40 | $8230.43 |  | 7.573% | $6153.09 | $6153.09 | 7.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11560.26 | 1 | $10544.16 | $1797.00 | $878.68 | $149.75 |  |  |  |  |  | 44.413% | 44.413% | 44.413% | 04/28/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 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> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $18467.40 |  | 6.800% | $90000.00 | 1.4 | DU |  | ApproveEligible | N/A | No | 7.500% | 1 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 | $60169.96 | 5.300% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 1.01 |  | No | No |  | $0.00 | $9296.79 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 513927394 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8625.60 | $10378.70 |  | 7.030% | $2205.24 | $2205.24 | 6.750% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7647.93 | 1 | $5501.88 | $2133.00 | $458.49 | $177.75 |  |  |  |  |  | 35.088% | 35.087% | 35.087% | 02/18/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8625.60 |  | 6.810% | $0.00 | 1.7 | DU |  | ApproveEligible | N/A | No | 6.750% | 2 | 0 | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No |  |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 593515694 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5793.70 | $7309.56 |  | 7.674% | $2680.23 | $2680.23 | 7.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8723.48 | 1 | $3196.08 | $1101.00 | $266.34 | $91.75 |  |  |  |  |  | 40.841% | 40.841% | 40.841% | 03/31/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5793.70 |  | 6.810% | $0.00 | 1.2 | DU |  | ApproveEligible | N/A | No | 7.500% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 |  |  | No | 3 | 15 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No |  | Retail |  | No |  | $0.00 | $5836.64 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 564314379 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1890.00 | $3814.56 |  | 7.034% | $5532.29 | $5532.29 | 6.625% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7731.81 | 1 | $12000.00 | $7624.32 | $1000.00 | $635.36 |  |  |  |  |  | 48.781% | 48.781% | 48.781% | 02/27/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1890.00 |  | 6.730% | $0.00 | 2.6 | DU |  | ApproveEligible | N/A | No | 6.625% | 2 | 0 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 04/01/2055 | $169126.63 | 17.610% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.84 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 532575236 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $14350.00 | $1036.48 |  | 7.713% | $6734.28 | $6734.28 | 7.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12373.54 | 1 | $8445.00 | $1875.00 | $703.75 | $156.25 |  |  |  |  |  | 44.338% | 44.338% | 44.338% | 02/13/2025 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  | $14350.00 |  | 6.880% | $165000.00 | 2.1 | DU |  | ApproveEligible | N/A | No | 7.750% | 2 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 04/01/2055 | $69101.71 | 5.880% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.68 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 577195516 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8546.28 | $10555.01 |  | 7.061% | $1986.01 | $1986.01 | 6.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5173.41 | 1 | $5066.76 | $1530.96 | $422.23 | $127.58 |  |  |  |  |  | 39.480% | 39.480% | 39.480% | 04/18/2025 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| 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]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8546.28 |  | 6.700% | $0.00 |  | LP / LPA | Yes | Accept/Eligible | N/A | No | 6.750% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 555769062 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2495.00 | $12389.01 |  | 7.816% | $7737.25 | $7737.25 | 7.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17540.75 | 1 | $16937.52 | $1806.00 | $1411.46 | $150.50 |  |  |  |  |  | 43.450% | 43.450% | 43.450% | 01/21/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2495.00 |  | 6.730% | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | 05/01/2055 | $361762.75 | 26.690% | No |  | 11 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.03 | Retail |  | No |  | $0.00 | $10083.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 511050376 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $19358.34 | $21278.95 |  | 7.751% | $5639.17 | $5639.17 | 7.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18815.92 | 1 | $9191.28 | $6813.00 | $765.94 | $567.75 |  |  |  |  |  | 43.811% | 43.811% | 43.811% | 04/28/2025 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $19358.34 |  | 6.740% | $0.00 | 3.8 | DU |  | ApproveEligible | N/A | No | 7.500% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 581692108 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $18087.00 | $19706.15 |  | 7.136% | $4335.74 | $4335.74 | 6.875% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5962.92 | 1 | $1311.24 | $978.36 | $109.27 | $81.53 |  |  |  |  |  | 47.737% | 47.737% | 47.737% | 03/24/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [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 |  |  |  | $18087.00 |  | 6.660% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.875% | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 | $127121.43 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 28.08 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 547444908 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $22914.22 | $26586.68 |  | 7.563% | $5501.75 | $5501.75 | 7.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6404.88 | 1 | $4208.04 | $3009.96 | $350.67 | $250.83 |  |  |  |  |  | 49.568% | 49.568% | 49.568% | 04/23/2025 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $22914.22 |  | 6.740% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 7.250% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 | $51306.31 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.41 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 570059076 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9062.50 | $10971.70 |  | 7.560% | $3487.91 | $3487.91 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8504.31 | 1 | $12819.24 | $1485.00 | $1068.27 | $123.75 |  |  |  |  |  | 39.695% | 39.695% | 39.695% | 04/07/2025 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 1040 - 2023<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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9062.50 |  | 6.880% | $0.00 | 2.1 | DU |  | ApproveEligible | N/A | No | 7.375% | 2 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 |  |  | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 507859354 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7235.00 | $7235.00 |  | 7.461% | $4862.36 | $4862.36 | 7.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13254.17 | 1 | $7748.40 | $4587.12 | $645.70 | $382.26 |  |  |  |  |  | 38.061% | 38.061% | 38.061% | 04/22/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7235.00 |  | 6.740% | $0.00 | 4 | DU |  | ApproveEligible | N/A | No | 7.375% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 558902705 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1790.00 | $15668.05 |  | 7.501% | $6751.35 | $6751.35 | 7.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17139.12 | 1 | $19663.20 | $3838.20 | $1638.60 | $319.85 |  |  |  |  |  | 33.759% | 33.759% | 33.759% | 02/02/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Citi | $1790.00 |  | 6.730% | $7500.00 | 1.4 | DU |  | ApproveIneligible | Yes | No | 7.375% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | 04/01/2055 | $605515.89 | 52.650% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 48.59 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 545164605 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $21145.78 | $771.48 |  | 8.098% | $7406.70 | $7406.70 | 8.125% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21715.95 | 1 | $3871.44 | $2594.16 | $322.62 | $216.18 |  |  |  |  |  | 41.112% | 41.112% | 41.112% | 01/01/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2024<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2022<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CGMRC | $21145.78 |  | 6.890% | $10620.32 | 2.5 | LP / LPA |  | Accept/Ineligible | No | No | 8.125% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | 02/01/2055 | $341281.96 | 30.780% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 33.32 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 556659925 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8172.18 | $11314.30 |  | 7.440% | $3294.92 | $3294.92 | 7.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6108.39 | 1 | $6121.68 | $2580.96 | $510.14 | $215.08 |  |  |  |  |  | 49.158% | 49.158% | 49.158% | 04/10/2025 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Borrower Intent to Return to Work Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8172.18 |  | 6.810% | $0.00 | 2.6 | DU |  | ApproveEligible | N/A | No | 7.250% | 2 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 | $26611.82 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 6.62 |  |  | No |  | $0.00 | $6036.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 540812012 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $26066.00 | $7807.21 |  | 7.907% | $6563.81 | $6563.81 | 7.885% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23743.61 | 1 | $13713.12 | $2850.96 | $1142.76 | $237.58 |  |  |  |  |  | 33.982% | 33.982% | 33.982% | 01/13/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $26066.00 |  | 6.850% | $0.00 | 1.8 | LP / LPA |  | Accept/Eligible | Yes | No | 7.885% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | 05/01/2055 | $206367.18 | 18.250% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 2.41 |  |  | No |  | $0.00 | $19583.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 544314260 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $11977.52 | $13130.75 |  | 7.407% | $5129.97 | $5129.97 | 7.250% | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7917.43 | 1 | $3776.76 | $1443.12 | $314.73 | $120.26 |  |  |  |  |  | 42.861% | 42.861% | 42.861% | 05/07/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [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> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11977.52 |  | 6.740% | $0.00 | 1.6 | DU |  | ApproveEligible | N/A | No | 7.250% | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $1507.49 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 540720118 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $868.92 | $0.00 |  | 7.500% | $7290.71 | $7290.71 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16401.00 | 1 | $2081.16 | $1917.12 | $173.43 | $159.76 |  |  |  |  |  | 44.768% | 44.768% | 44.768% | 01/23/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2023<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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $868.92 |  | 7.070% | $0.00 | 2.4 | LP / LPA |  | Accept/Eligible | N/A | No | 7.500% | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 03/01/2055 | $3849.12 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.5 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 539689772 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $24261.64 | $28164.79 |  | 7.086% | $7433.15 | $7433.15 | 6.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16144.15 | 1 | $21875.64 | $7791.00 | $1822.97 | $649.25 |  |  |  |  |  | 49.405% | 49.405% | 49.405% | 04/29/2025 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  | $24261.64 |  | 6.740% | $0.00 | 2.6 | LP / LPA |  | Accept/Eligible | Yes | No | 6.875% | 2 | 2 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 | $617276.82 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 62.32 |  | No | No |  | $9275.04 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 565675089 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9638.03 | $4651.49 |  | 7.365% | $2412.85 | $2412.85 | 7.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5810.39 | 1 | $2068.32 | $1190.04 | $172.36 | $99.17 |  |  |  |  |  | 35.215% | 35.215% | 35.215% | 05/01/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9638.03 |  | 6.740% | $0.00 |  | DU | Yes | ApproveEligible | N/A | No | 7.250% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 | $13114.95 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.61 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 514686769 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5645.16 | $7648.26 |  | 7.927% | $1819.03 | $1819.03 | 7.625% | No | No | Non-Employment Income | Employed | Employed |  | 3.56 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $7940.86 | 1 | $2485.80 | $2744.04 | $207.15 | $228.67 |  |  |  |  |  | 38.418% | 38.418% | 38.418% | 04/17/2025 | 687 | 637 | 773 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [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> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5645.16 |  | 6.740% | $0.00 | 1.8 | DU |  | ApproveEligible | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No |  | Retail |  | No |  | $0.00 | $10340.01 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 503715825 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $28183.18 | $33593.68 |  | 6.727% | $7669.96 | $7669.96 | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $69310.39 | 1 | $27380.88 | $2898.00 | $2281.74 | $241.50 |  |  |  |  |  | 37.167% | 37.167% | 37.167% | 01/23/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Business License - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Account Transcripts - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $28183.18 |  | 6.850% | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | 6.500% | 0 |  | 2 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 04/01/2055 | $771224.58 | 54.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 49.49 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 529225923 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9280.58 | $3999.15 |  | 7.736% | $2700.95 | $2700.95 | 7.625% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5159.05 | 1 | $4972.80 | $4350.96 | $414.40 | $362.58 |  |  |  |  |  | 45.706% | 45.705% | 45.705% | 02/28/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9280.58 |  | 6.870% | $0.00 | 3 | DU |  | ApproveEligible | N/A | No | 7.625% | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 | $276.75 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 0.07 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 564156611 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $12166.65 | $21474.06 |  | 7.485% | $2841.30 | $2841.30 | 6.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6394.99 | 1 | $6958.32 | $2610.96 | $579.86 | $217.58 |  |  |  |  |  | 40.499% | 40.499% | 40.499% | 04/15/2025 | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12166.65 |  | 6.700% | $0.00 | 1.1 | DU |  | ApproveEligible | N/A | No | 6.990% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 518325096 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5840.00 | $6389.10 |  | 7.590% | $2016.78 | $2016.78 | 7.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3882.52 | 1 | $1132.44 | $2160.00 | $94.37 | $180.00 |  |  |  |  |  | 42.230% | 42.230% | 42.230% | 05/02/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5840.00 |  | 6.810% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 7.375% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 | $98589.95 |  | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 42.15 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 573404911 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $17000.79 | $7586.91 |  | 8.092% | $6252.20 | $6252.20 | 7.875% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11879.25 | 1 | $14946.36 | $2232.12 | $1245.53 | $186.01 |  |  |  |  |  | 47.411% | 47.411% | 47.411% | 01/07/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<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]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $17000.79 |  | 6.930% | $0.00 | 1 | DU |  | ApproveEligible | No | No | 7.875% | 0 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | 04/01/2055 | $210099.68 | 21.920% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.25 |  | Yes | No |  | $12795.38 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 513920641 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $11536.90 | $13446.18 |  | 7.240% | $3323.16 | $3323.16 | 6.990% | No | No | Employed | Not Employed | Employed |  | 3.33 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $8524.03 | 1 | $7688.64 | $2402.04 | $640.72 | $200.17 |  |  |  |  |  | 38.096% | 38.096% | 38.096% | 12/05/2024 | 674 | 674 | 648 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11536.90 |  | 7.070% | $0.00 | 2.4 | LP / LPA |  | Accept/Eligible | Yes | No | 6.990% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 03/01/2055 |  |  | No | 24 |  | 24 |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 114.67 |  |  | No |  | $0.00 | $2757.62 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 593276397 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $12150.00 | $16165.60 |  | 6.867% | $6972.43 | $6972.43 | 6.750% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8515.24 | 1 | $13452.00 | $1510.68 | $1121.00 | $125.89 |  |  |  |  |  | 49.391% | 49.391% | 49.391% | 03/04/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12150.00 |  | 6.740% | $0.00 | 2.2 | DU |  | ApproveEligible | N/A | No | 6.750% | 2 | 0 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 | $72492.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 8.82 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 555300226 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10645.40 | $11570.55 |  | 6.410% | $2245.73 | $2245.73 | 6.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3955.37 | 1 | $4560.48 | $4853.76 | $380.04 | $404.48 |  |  |  |  |  | 43.637% | 43.637% | 43.637% | 04/14/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 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]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10645.40 |  | 6.740% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.125% | 2 |  | 1 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 530147723 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10655.18 | $4102.13 |  | 7.695% | $2644.32 | $2644.32 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5170.00 | 1 | $2216.16 | $939.96 | $184.68 | $78.33 |  |  |  |  |  | 43.051% | 43.051% | 43.051% | 03/06/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| 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 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10655.18 |  | 6.810% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 7.625% | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 503362427 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5765.00 | $7951.10 |  | 6.885% | $1895.33 | $1895.33 | 6.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5383.04 | 1 | $4045.92 | $1001.04 | $337.16 | $83.42 |  |  |  |  |  | 32.237% | 32.237% | 32.237% | 05/05/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5765.00 |  | 6.740% | $0.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | 6.625% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 544072061 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1945.00 | $6127.15 |  | 7.510% | $7426.48 | $7426.48 | 7.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24114.25 | 1 | $16786.80 | $4496.40 | $1398.90 | $374.70 |  |  |  |  |  | 29.764% | 29.764% | 29.764% | 01/15/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [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 - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1945.00 |  | 6.930% | $0.00 | 1.2 | DU |  | ApproveEligible | No | No | 7.375% | 3 | 3 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | 03/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.47 | Retail |  | No |  | $0.00 | $30000.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 560827439 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3850.00 | $5010.25 |  | 7.731% | $2521.52 | $2521.52 | 7.625% | No | No | Self-Employed | Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $5087.52 | 1 | $8742.96 | $2993.04 | $728.58 | $249.42 |  |  |  |  |  | 46.108% | 46.108% | 46.108% | 04/10/2025 | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - C-Corp]; Paystubs - 2025<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2024<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2023<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2022<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1040 - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3850.00 |  | 6.880% | $0.00 | 1.4 | DU |  | ApproveEligible | N/A | No | 7.625% | 2 | 2 | 3 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 | $31146.97 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 8.83 |  | No | No |  | ($1020.25) | $4100.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 560381410 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7598.30 | $9940.04 |  | 7.719% | $2779.38 | $2779.38 | 7.500% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10840.82 | 1 | $4075.56 | $1322.04 | $339.63 | $110.17 |  |  |  |  |  | 34.075% | 34.075% | 34.075% | 04/16/2025 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 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> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7598.30 |  | 6.810% | $0.00 | 2.6 | DU |  | ApproveEligible | N/A | No | 7.500% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 561801479 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $13105.30 | $29970.64 |  | 7.616% | $7164.37 | $7164.37 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12959.72 | 1 | $9269.40 | $1803.96 | $772.45 | $150.33 |  |  |  |  |  | 38.541% | 38.541% | 38.541% | 03/15/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13105.30 |  | 6.650% | $0.00 | 2.5 | DU |  | ApproveEligible | No | No | 7.375% | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 546316825 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $22766.76 | $43211.55 |  | 6.659% | $5784.67 | $5784.67 | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13677.85 | 1 | $10531.92 | $3317.88 | $877.66 | $276.49 |  |  |  |  |  | 34.186% | 34.186% | 34.186% | 04/15/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025 | [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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $22766.76 |  | 6.700% | $0.00 | 1.7 | DU |  | ApproveEligible | N/A | No | 6.250% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 592334355 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7500.00 | $8537.09 |  | 6.836% | $5455.45 | $5455.45 | 6.625% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8926.83 | 1 | $9138.36 | $3263.76 | $761.53 | $271.98 |  |  |  |  |  | 47.504% | 47.504% | 47.504% | 02/21/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $7500.00 |  | 6.850% | $0.00 |  | LP / LPA | Yes | Accept/Eligible | Yes | No | 6.625% | 0 | 1 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 04/01/2055 | $17775.19 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 2.67 |  |  | No |  | $0.00 | $6519.09 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 534024550 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2090.00 | $4649.99 |  | 7.541% | $6047.61 | $6047.61 | 7.499% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9033.94 | 1 | $21552.36 | $6329.04 | $1796.03 | $527.42 |  |  |  |  |  | 49.811% | 49.811% | 49.811% | 02/25/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2090.00 |  | 6.730% | $0.00 | 3.6 | DU |  | ApproveEligible | Yes | No | 7.499% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | 04/01/2055 | $64212.71 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.67 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 572781801 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $13325.00 | $12945.39 |  | 8.398% | $8127.93 | $8127.93 | 8.190% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19202.65 | 1 | $15430.44 | $5382.00 | $1285.87 | $448.50 |  |  |  |  |  | 40.706% | 40.706% | 40.706% | 07/11/2023 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2023<br> [Borrower - \| Primary Income - Wages]; VVOE - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Non-Primary Income - Asset Depletion]; Account Statements - 2023 | [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | First United | $13325.00 |  | 7.180% | $0.00 | 5 | DU |  | ApproveIneligible | No | No | 8.190% | 2 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  | 120 | No |  |  |  | 10/01/2054 | $1370758.41 |  | No | 50 | 32 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 137.39 |  |  | No |  | $6369.64 | $14000.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 523645163 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7845.00 | $8877.24 |  | 7.096% | $2257.04 | $2257.04 | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4746.12 | 1 | $2409.84 | $1829.04 | $200.82 | $152.42 |  |  |  |  |  | 37.995% | 37.995% | 37.995% | 03/05/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7845.00 |  | 6.730% | $0.00 | 2.8 | DU |  | ApproveEligible | N/A | No | 6.875% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 05/01/2054 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 532527396 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9702.00 | $5752.30 |  | 7.528% | $6817.35 | $6817.35 | 7.500% | No | Yes | Employed | Employed | Employed |  | 21.49 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $18227.05 | 1 | $16087.56 | $916.32 | $1340.63 | $76.36 |  |  |  |  |  | 46.405% | 46.405% | 46.405% | 01/31/2025 | 634 | 781 | 789 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [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 |  |  |  | $9702.00 |  | 6.870% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 7.500% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 03/01/2055 | $233520.19 | 17.960% | No | 25 |  | 24 |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 0.81 |  | No | No |  | $0.00 | $27364.10 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 559140838 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6187.50 | $7245.13 |  | 6.678% | $2370.25 | $2370.25 | 6.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7339.79 | 1 | $4989.60 | $1890.00 | $415.80 | $157.50 |  |  |  |  |  | 35.944% | 35.944% | 35.944% | 02/27/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6187.50 |  | 6.850% | $0.00 | 2 | DU |  | ApproveEligible | N/A | No | 6.500% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 576428259 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7585.75 | $12088.22 |  | 7.829% | $1968.43 | $1968.43 | 7.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5394.68 | 1 | $3642.72 | $2000.04 | $303.56 | $166.67 |  |  |  |  |  | 31.132% | 31.132% | 31.132% | 01/09/2025 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7585.75 |  | 6.980% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 02/01/2055 |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 573781746 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $11278.77 | $14207.42 |  | 7.148% | $6206.00 | $6206.00 | 6.990% | No | Yes | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8916.89 | 1 | $12603.36 | $1962.00 | $1050.28 | $163.50 |  |  |  |  |  | 49.966% | 49.966% | 49.966% | 01/22/2025 | 656 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11278.77 |  | 6.880% | $0.00 | 3.3 | LP / LPA |  | Accept/Eligible | No | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 03/01/2055 | $543434.82 | 43.640% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 22.75 |  | No | No |  | $7833.10 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 561623745 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1720.00 | $11236.76 |  | 7.820% | $7020.84 | $7020.84 | 7.750% | No | No | Employed | Employed | Employed |  | 1.49 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $9126.81 | 1 | $15624.96 | $2785.92 | $1302.08 | $232.16 |  |  |  |  |  | 49.278% | 49.278% | 49.278% | 03/13/2025 | 725 | 725 |  | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1720.00 |  | 6.620% | $6000.00 | 1 | LP / LPA |  | Accept/Eligible | Yes | No | 7.750% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | 05/01/2055 | $173372.65 | 13.860% | No |  | 4 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 0.78 | Retail | Yes | No |  | $0.00 | $8993.14 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 553456790 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9779.71 | $11825.86 |  | 7.185% | $2244.07 | $2244.07 | 6.875% | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7120.59 | 1 | $6270.96 | $1653.00 | $522.58 | $137.75 |  |  |  |  |  | 33.331% | 33.331% | 33.331% | 04/18/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Foster Care]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Foster Care]; 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]; 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]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  | $9779.71 |  | 6.700% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.875% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No |  |  | No | No |  | $3256.25 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 563195240 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $16105.00 | $6259.34 |  | 7.785% | $6097.95 | $6097.95 | 7.740% | No | No | Self-Employed | Self-Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | [redacted] | [redacted] |  |  | $49102.96 | 1 | $11256.48 | $2546.52 | $938.04 | $212.21 |  |  |  |  |  | 24.358% | 24.358% | 24.358% | 04/03/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<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]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16105.00 |  | 6.620% | $0.00 | 3.5 | DU |  | ApproveEligible | No | No | 7.740% | 0 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | No |  |  |  | 05/01/2055 | $32000.00 | 3.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | Employment Authorization | Employment Authorization |  |  |  | 5.21 |  |  | No |  | $25797.63 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 567329494 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $20980.30 | $28969.11 |  | 7.844% | $8351.97 | $8351.97 | 7.625% | No | No | Employed | Employed | Employed | Employed | 18.59 | 2.19 | US Citizen | US Citizen | US Citizen | US Citizen |  |  |  |  | $27163.45 | 1 | $18437.52 | $4364.04 | $1536.46 | $363.67 |  |  |  |  |  | 49.047% | 49.047% | 49.047% | 04/21/2025 | 711 | 802 | 801 | 803 | 708 | 711 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 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> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $20980.30 |  | 6.810% | $1500.00 | 1 | DU |  | ApproveEligible | N/A | No | 7.625% | 1 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 | $384030.72 | 26.030% | No | 26 | 0 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  | 4.46 | Retail | No | No |  | $5516.85 | $32119.35 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 538775469 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5907.00 | $5159.22 |  | 7.485% | $2817.96 | $2817.96 | 7.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8716.19 | 1 | $8863.80 | $860.04 | $738.65 | $71.67 |  |  |  |  |  | 34.359% | 34.358% | 34.358% | 03/17/2025 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [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 |  |  |  | $5907.00 |  | 6.620% | $1500.00 | 3.5 | DU |  | ApproveEligible | N/A | No | 7.375% | 2 | 3 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 | $86650.95 | 16.990% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac |  | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 5.57 |  |  | No |  | $0.00 | $7500.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 515960181 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $11087.50 | $16272.82 |  | 7.984% | $8228.75 | $8228.75 | 7.874% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $53306.63 | 1 | $14841.24 | $2648.64 | $1236.77 | $220.72 |  |  |  |  |  | 27.073% | 27.073% | 27.073% | 12/31/2024 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 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 |  |  |  | $11087.50 |  | 6.770% | $0.00 | 1 | DU |  | ApproveEligible | No | No | 7.874% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | 02/01/2055 |  |  | No | 36 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 558664623 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $20361.51 | $24708.46 |  | 7.560% | $6490.13 | $6490.13 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12705.73 | 1 | $16441.68 | $7064.52 | $1370.14 | $588.71 |  |  |  |  |  | 44.874% | 44.874% | 44.874% | 01/25/2025 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $20361.51 |  | 6.850% | $0.00 | 1.9 | DU |  | ApproveEligible | N/A | No | 6.990% | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 565508695 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $0.00 | $1961.80 |  | 7.621% | $5874.69 | $5874.69 | 7.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6828.04 | 1 | $4306.68 | $1637.04 | $358.89 | $136.42 |  |  |  |  |  | 49.735% | 49.735% | 49.735% | 04/17/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Account Statements - 2025<br> [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [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 - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 6.740% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 7.625% | 1 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 | $28669.34 |  | No | 3 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.54 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 530799161 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7532.00 | $9433.95 |  | 7.341% | $1827.74 | $1827.74 | 6.990% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8488.96 | 1 | $2253.00 | $10377.00 | $187.75 | $864.75 |  |  |  |  |  | 32.495% | 32.495% | 32.495% | 04/09/2025 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7532.00 |  | 6.880% | $0.00 | 1 | LP / LPA |  | Accept/Eligible | No | No | 6.990% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $4428.64 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 564059025 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8220.00 | $11578.19 |  | 7.039% | $4020.41 | $4020.41 | 6.875% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7878.23 | 1 | $4713.48 | $1118.04 | $392.79 | $93.17 |  |  |  |  |  | 41.459% | 41.459% | 41.459% | 03/21/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [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> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8220.00 |  | 6.740% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.875% | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No |  | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 568010864 |  |  |  | Non QM |  |  |  | Yes | No | $11874.71 | $19173.46 |  | 7.941% | $2943.42 | $2943.42 | 7.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9345.45 | 1 | $4428.96 | $1284.00 | $369.08 | $107.00 |  |  |  |  |  | 39.223% | 39.223% | 39.223% | 01/15/2025 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11874.71 |  | 6.930% | $0.00 | 1.5 | DU |  | ApproveEligible | N/A | No | 7.500% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 03/01/2055 | $180625.10 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 52.82 |  |  | No |  | $0.00 | $6543.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 580229614 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $20400.00 | $27581.05 |  | 7.086% | $7883.15 | $7883.15 | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $35064.12 | 1 | $18812.52 | $3887.04 | $1567.71 | $323.92 |  |  |  |  |  | 36.907% | 36.907% | 36.907% | 03/06/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $20400.00 |  | 6.650% | $300000.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.875% | 2 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 05/01/2055 | $116579.84 | 7.740% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.04 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 581341706 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $19595.00 | $25357.79 |  | 8.112% | $6670.64 | $6670.64 | 7.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11332.92 | 1 | $11329.44 | $1161.00 | $944.12 | $96.75 |  |  |  |  |  | 46.943% | 46.943% | 46.943% | 01/21/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<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 |  |  |  | $19595.00 |  | 6.930% | $0.00 | 1.6 | DU |  | ApproveEligible | No | No | 7.875% | 0 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | 03/01/2055 |  |  | No |  | 35 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 28.28 |  |  | No |  | $0.00 | $10145.43 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 534382014 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9796.90 | $10509.77 |  | 6.738% | $2528.28 | $2528.28 | 6.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6938.05 | 1 | $5769.36 | $4446.00 | $480.78 | $370.50 |  |  |  |  |  | 47.965% | 47.965% | 47.965% | 04/28/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025 | [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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9796.90 |  | 6.880% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 06/01/2055 | $86515.11 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 25.35 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 584795633 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $12300.00 | $4130.96 |  | 7.655% | $5803.91 | $5803.91 | 7.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19726.21 | 1 | $4620.12 | $1560.84 | $385.01 | $130.07 |  |  |  |  |  | 24.899% | 24.899% | 24.899% | 04/08/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| 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<br> [Coborrower]; 4506-C - 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 |  |  |  | $12300.00 |  | 6.620% | $0.00 | 2.6 | DU |  | ApproveEligible | Yes | No | 7.625% | 1 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $8162.27 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 507876836 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3610.43 | $3610.43 | 6.750% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | $11183.64 | $1776.96 | $931.97 | $148.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/10/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.79 | 1.27 |  |  |  |  |  |  |  | 08/01/2040 | $85025.30 | 12.500% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Employment Authorization |  |  |  | 5.7 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 561636061 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8383.84 | $11078.34 |  | 7.141% | $2325.53 | $2325.53 | 6.875% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $6118.81 | 1 | $7446.00 | $3147.00 | $620.50 | $262.25 |  |  |  |  |  | 49.945% | 49.945% | 49.945% | 03/21/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $8383.84 |  | 6.770% | $0.00 | 2.6 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 08/01/2055 | $230581.01 | 50.120% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 26.33 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 541155206 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1167.86 | $1167.86 | 7.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $1011.00 | $3549.96 | $84.25 | $295.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/02/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  |  | 08/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 15.07 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 552696126 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12842.28 | $15900.81 |  | 7.628% | $3931.67 | $3931.67 | 7.375% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [redacted] |  |  |  | $6810.20 | 1 | $14772.72 | $2075.04 | $1231.06 | $172.92 |  |  |  |  |  | 43.930% | 43.930% | 43.930% | 04/04/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 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 | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $12842.28 |  | 6.830% | $0.00 | 2.4 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | No |  |  |  | 08/01/2055 | $108055.18 | 14.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 38.05 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 526610995 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15480.00 | $17908.22 |  | 7.531% | $3663.29 | $3663.29 | 7.250% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9749.77 | 1 | $2466.12 | $5808.84 | $205.51 | $484.07 |  |  |  |  |  | 48.822% | 48.822% | 48.822% | 05/15/2025 | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ArcHome | $15480.00 |  | 6.890% | $3000.00 | 1.9 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 08/01/2055 | $395670.63 | 44.200% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 5.23 |  | Yes | No |  | $8036.71 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 573787326 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3138.48 | $3138.48 | 6.875% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | $14570.40 | $2316.00 | $1214.20 | $193.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/22/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.2 |  |  |  |  |  |  |  | 08/01/2055 | $232805.78 | 36.540% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 9.2 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 567843286 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2788.40 | $2788.40 | 7.250% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $4014.12 | $1997.16 | $334.51 | $166.43 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/27/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 4.2 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.68 | 0.59 |  |  |  |  |  |  |  | 08/01/2055 | $434005.56 | 79.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 81.16 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 518069981 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $5043.03 | $5043.03 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $3376.92 | $3615.00 | $281.41 | $301.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/09/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.78 |  |  |  |  |  |  |  | 07/01/2055 | $42245.10 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.51 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 576826300 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14695.00 | $16682.50 |  | 7.743% | $4614.82 | $4614.82 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17886.46 | 1 | $11751.72 | $3345.00 | $979.31 | $278.75 |  |  |  |  |  | 33.581% | 33.581% | 33.581% | 05/19/2025 | 642 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Business | 100.000% | 33.330% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2004<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2004<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2004<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2004 | [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 | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $14695.00 |  | 6.830% | $0.00 | 2.3 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 37.82 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 581942642 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2551.71 | $2551.71 | 7.125% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $4685.28 | $4324.08 | $390.44 | $360.34 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/30/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.97 | 1.03 |  |  |  |  |  |  |  | 07/01/2055 | $166983.58 | 33.060% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 8.82 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 596174712 |  |  |  | Non QM |  |  |  | Yes | No | $4895.00 | $7942.20 |  | 8.001% | $1415.59 | $1415.59 | 7.625% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4585.01 | 1 | $5582.04 | $1224.24 | $465.17 | $102.02 |  |  |  |  |  | 33.539% | 33.539% | 33.539% | 07/29/2025 | 626 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2023 | [Borrower]; 4506-C - 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 - 2023 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $4895.00 |  | 6.830% | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 09/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 39.75 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 529902853 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10770.00 | $3940.86 |  | 7.415% | $3660.58 | $3660.58 | 7.375% | No | No | Self-Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $12402.22 | 1 | $11803.32 | $1253.04 | $983.61 | $104.42 |  |  |  |  |  | 28.127% | 28.127% | 28.127% | 06/02/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 80.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $10770.00 |  | 6.890% | $1200.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 2 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 08/01/2055 | $153292.78 | 22.540% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 19.5 |  |  | No |  | $0.00 | $3528.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 589144206 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1616.18 | $1616.18 | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2336.76 | $1052.04 | $194.73 | $87.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/30/2025 | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.9 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 55.12 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 580142449 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2010.20 | $2010.20 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $7602.24 | $1709.52 | $633.52 | $142.46 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/22/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.8 |  |  |  |  |  |  |  | 08/01/2055 | $136617.11 | 33.480% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 539030691 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $7094.83 | $7094.83 | 6.875% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 4 | $7539.12 | $4860.12 | $628.26 | $405.01 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/16/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | 09/01/2055 | $514011.73 | 35.690% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 37.85 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 578776023 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $38245.00 | $31864.49 |  | 7.194% | $24759.16 | $24759.16 | 7.125% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $103436.13 | 1 | $18716.64 | $12497.04 | $1559.72 | $1041.42 |  |  |  |  |  | 22.690% | 22.690% | 22.690% | 06/04/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Capital Gains]; Verification of Deposit - 2025<br> [Borrower - \| Primary Income - Capital Gains]; Verification of Deposit - 2025<br> [Borrower - \| Primary Income - Capital Gains]; Verification of Deposit - 2025<br> [Borrower - \| Primary Income - Capital Gains]; Verification of Deposit - 2024<br> [Borrower - \| Primary Income - Capital Gains]; Verification of Deposit - 2024<br> [Borrower - \| Primary Income - Capital Gains]; Verification of Deposit - 2024<br> [Borrower - \| Primary Income - Capital Gains]; Verification of Deposit - 2024<br> [Borrower - \| Primary Income - Capital Gains]; Verification of Deposit - 2024<br> [Borrower - \| Primary Income - Capital Gains]; Verification of Deposit - 2024<br> [Borrower - \| Primary Income - Capital Gains]; Account Statements - 2023<br> [Borrower - \| Primary Income - Capital Gains]; Account Statements - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [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]; 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 |  |  | ArcHome | $38245.00 |  | 6.770% | $8532.15 | 2.6 |  |  |  | N/A | No | 7.125% | 0 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 08/01/2055 | $2567446.06 | 52.390% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 47.07 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 500218991 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3862.18 | $3862.18 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $16543.20 | $1886.04 | $1378.60 | $157.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/22/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.3 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 08/01/2055 | $262306.36 | 36.430% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.52 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 544658579 |  |  |  | Non QM |  |  |  | Yes | No | $20570.10 | $2019.31 |  | 8.247% | $5211.09 | $5211.09 | 8.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19598.45 | 1 | $18013.08 | $2769.00 | $1501.09 | $230.75 |  |  |  |  |  | 34.347% | 34.347% | 34.347% |  | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019 | [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<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $20570.10 |  | 6.830% | $20000.00 | 1.7 |  |  |  | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $163000.10 | 19.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.83 |  |  | No |  | $17779.85 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 502071425 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1585.10 | $1585.10 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3477.60 | $666.96 | $289.80 | $55.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/06/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 37.78 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 514715752 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2078.13 | $2078.13 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6212.04 | $2586.00 | $517.67 | $215.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/05/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  | 240 | 08/01/2055 | $145454.90 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 169.92 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 587210829 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3754.48 | $3754.48 | 6.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $9995.52 | $924.00 | $832.96 | $77.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/08/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | 08/01/2055 | $491091.67 | 49.600% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.02 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 554909758 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2417.36 | $2417.36 | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | $6524.64 | $1710.96 | $543.72 | $142.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/06/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | 08/01/2055 | $3341258.02 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 953.21 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 547815231 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11945.00 | $17605.24 |  | 7.042% | $5518.20 | $5518.20 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10689.94 | 1 | $9475.56 | $1464.96 | $789.63 | $122.08 |  |  |  |  |  | 39.451% | 39.451% | 39.451% | 04/30/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $11945.00 |  | 6.770% | $0.00 | 1.2 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 08/01/2055 | $115988.43 | 11.040% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.85 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 524091244 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12869.20 | $7706.22 |  | 7.001% | $2923.33 | $2923.33 | 6.875% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5936.30 | 1 | $13179.00 | $1221.00 | $1098.25 | $101.75 |  |  |  |  |  | 49.442% | 49.442% | 49.442% | 06/09/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $12869.20 |  | 6.890% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 09/01/2055 | $10047.79 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 3.71 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 573209058 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6440.00 | $8096.25 |  | 7.575% | $2486.43 | $2486.43 | 7.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | [redacted] | [redacted] |  |  | $14125.86 | 1 | $3345.60 | $915.00 | $278.80 | $76.25 |  |  |  |  |  | 19.047% | 19.047% | 19.047% | 06/08/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 90.000% | 10.000% |  | [Borrower - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [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<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $6440.00 |  | 6.830% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | VISA | VISA |  |  | No | 109.03 |  |  | No |  | $1746.33 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 517533680 |  |  |  | Non QM |  |  |  | Yes | No | $21016.25 | $9526.05 |  | 7.511% | $3971.38 | $3971.38 | 7.375% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $57998.01 | 1 | $21759.96 | $5800.80 | $1813.33 | $483.40 |  |  |  |  |  | 18.449% | 18.449% | 18.449% | 06/10/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $21016.25 |  | 6.670% | $0.00 | 3.5 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $68715.95 | 8.580% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 17.15 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 589997732 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10055.00 | $7064.17 |  | 7.402% | $2919.71 | $2919.71 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12506.30 | 1 | $7114.92 | $2796.00 | $592.91 | $233.00 |  |  |  |  |  | 40.078% | 40.078% | 40.078% | 05/30/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $10055.00 |  | 6.830% | $10000.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 08/01/2055 | $173271.05 | 32.380% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.78 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 585433420 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11695.00 | $7888.62 |  | 6.899% | $6700.67 | $6700.67 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $29061.68 | 1 | $14868.84 | $5256.00 | $1239.07 | $438.00 |  |  |  |  |  | 22.711% | 22.711% | 22.711% | 05/28/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - 2021<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 34.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 34.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 34.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 34.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 34.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 34.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 34.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $11695.00 |  | 6.830% | $0.00 | 1.1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 09/01/2055 | $508333.16 | 39.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.31 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 553582220 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4144.05 | $4144.05 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | $24640.08 | $1302.00 | $2053.34 | $108.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/13/2025 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | 08/01/2055 | $24105.22 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 95.71 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 512295693 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2365.86 | $2365.86 | 6.875% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $4320.84 | $3286.68 | $360.07 | $273.89 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/16/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 3.9 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | 09/01/2055 | $286987.46 | 44.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 12.37 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 520762041 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1491.86 | $1491.86 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3708.72 | $2325.96 | $309.06 | $193.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/07/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 08/01/2055 | $376004.49 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 156.03 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 593700484 |  |  |  | Non QM |  |  |  | Yes | No | $1495.00 | $7109.88 |  | 7.001% | $9590.28 | $12754.64 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $32480.75 | 1 | $16024.80 | $2453.52 | $1335.40 | $204.46 |  |  |  |  |  | 42.638% | 37.049% | 42.638% | 06/18/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2007 | [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 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1495.00 |  | 6.670% | $0.00 | 1.4 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  | 240 | 08/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.35 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 571232357 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2972.73 | $2972.73 | 7.625% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $7301.64 | $1300.08 | $608.47 | $108.34 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/17/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.18 |  |  |  |  |  |  |  | 07/01/2055 | $1857485.20 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 403.5 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 522269660 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $17595.00 | $4047.52 |  | 7.276% | $6276.02 | $6276.02 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $45907.94 | 1 | $16500.00 | $696.48 | $1375.00 | $58.04 |  |  |  |  |  | 24.725% | 24.725% | 24.725% | 06/18/2025 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $17595.00 |  | 6.890% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | No |  |  |  | 08/01/2055 | $44021.10 | 3.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.77 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 520139403 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1479.12 | $1479.12 | 6.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3530.64 | $1094.04 | $294.22 | $91.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/19/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 08/01/2055 | $86645.50 | 26.250% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.61 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 515017201 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2443.04 | $2443.04 | 7.250% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $5869.32 | $1862.04 | $489.11 | $155.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/19/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 3.8 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | 08/01/2055 | $159314.06 | 33.360% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 6.12 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 508211941 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2143.23 | $2143.23 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1041.72 | $858.96 | $86.81 | $71.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/17/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  |  |  |  |  | 08/01/2055 | $237852.79 | 54.670% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 55.07 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 575748818 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1536.75 | $1536.75 | 6.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1929.84 | $785.04 | $160.82 | $65.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/17/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 133.06 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 584662164 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2229.83 | $2229.83 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $1812.48 | $2845.20 | $151.04 | $237.10 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/20/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | 08/01/2055 | $50155.87 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.16 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 516668670 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $5627.95 | $5627.95 | 7.250% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 2 | $5547.12 | $1839.36 | $462.26 | $153.28 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/18/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 9.64 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 569456494 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1310.20 | $1310.20 | 7.875% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $2945.52 | $1230.96 | $245.46 | $102.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/18/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 3.7 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.69 | 0.59 |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 82.05 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 578315185 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1079.27 | $1079.27 | 7.875% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $2156.76 | $4001.40 | $179.73 | $333.45 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/18/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 85.44 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 541541435 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $6462.32 | $6462.32 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4743.72 | $2054.28 | $395.31 | $171.19 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/22/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 4 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.15 |  |  |  |  |  |  |  | 09/01/2055 | $71502.55 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.06 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 527428567 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1969.30 | $1969.30 | 7.000% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4031.04 | $1509.96 | $335.92 | $125.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/24/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | 09/01/2055 | $118603.07 | 32.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.07 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 560075879 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2355.11 | $2355.11 | 8.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6097.92 | $2679.00 | $508.16 | $223.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/24/2025 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.9 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | 08/01/2055 | $163483.60 | 44.180% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.05 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 564244746 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $13097.50 | $18993.45 |  | 8.590% | $5879.16 | $5879.16 | 8.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15827.37 | 1 | $13398.84 | $4262.04 | $1116.57 | $355.17 |  |  |  |  |  | 42.403% | 42.403% | 42.403% | 06/08/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $13097.50 |  | 6.830% | $0.00 | 1 |  |  |  | N/A | No | 8.375% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 08/01/2055 | $254843.96 | 28.000% | No | 30 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.53 |  | No | No |  | $0.00 | $14116.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 564348317 |  |  |  | Non QM |  |  |  | Yes | No | $5490.82 | $1974.50 |  | 8.092% | $1306.83 | $1306.83 | 8.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4249.89 | 1 | $1644.48 | $3582.00 | $137.04 | $298.50 |  |  |  |  |  | 42.355% | 42.355% | 42.355% | 05/14/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024 | [Borrower]; 4506-C - 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 - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $5490.82 |  | 6.670% | $0.00 | 2.1 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $9776.93 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.29 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 536378197 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $18295.00 | $22313.98 |  | 7.169% | $7451.39 | $7451.39 | 7.000% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17320.02 | 1 | $22607.52 | $5048.76 | $1883.96 | $420.73 |  |  |  |  |  | 48.902% | 48.902% | 48.902% | 06/27/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Audited P&L - 2024<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Third Party Verification - 2014 | [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<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $18295.00 |  | 6.770% | $0.00 | 1.2 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 08/01/2055 | $729222.81 | 52.080% | No | 11 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 43.01 |  | No | No |  | $12832.39 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 533433584 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1673.38 | $1673.38 | 6.750% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $6481.32 | $1133.64 | $540.11 | $94.47 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/20/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.11 |  |  |  |  |  |  |  | 08/01/2055 | $259368.01 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 111.16 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 563956723 |  |  |  | Non QM |  |  |  | Yes | No | $18509.53 | $20956.80 |  | 8.056% | $5054.29 | $5054.29 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $66544.75 | 1 | $15229.56 | $4286.76 | $1269.13 | $357.23 |  |  |  |  |  | 9.296% | 9.296% | 9.296% | 05/08/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $18509.53 |  | 6.740% | $89454.75 | 1.1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $16944.55 | 2.040% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.12 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 524462099 |  |  |  | Non QM |  |  |  | Yes | No | $12490.00 | $19097.20 |  | 7.894% | $7164.12 | $7164.12 | 7.750% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $48207.25 | 1 | $17216.28 | $4056.96 | $1434.69 | $338.08 |  |  |  |  |  | 24.975% | 24.975% | 24.975% | 05/12/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 |  |  | Arc | $12490.00 |  | 6.890% | $0.00 | 1.5 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $20000.00 | 1.600% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 29.82 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 530093741 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $0.00 |  | 7.121% | $9971.03 | $9971.03 | 7.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24959.75 | 1 | $22413.12 | $2384.04 | $1867.76 | $198.67 |  |  |  |  |  | 54.979% | 54.979% | 54.979% | 05/07/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<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 |  |  | Guaranteed Rate | $1640.00 |  | 6.870% | $18699.00 | 1.2 |  |  |  | N/A | No | 7.125% | 2 |  | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $697438.37 | 37.690% | No | 28 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.56 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 570042770 |  |  |  | Non QM |  |  |  | Yes | No | $11992.78 | $16897.30 |  | 7.356% | $2193.49 | $2193.49 | 6.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4450.90 | 1 | $3322.20 | $3374.04 | $276.85 | $281.17 |  |  |  |  |  | 44.319% | 44.319% | 44.319% |  | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% | 100.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $11992.78 |  | 6.870% | $0.00 | 2.6 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 13.95 | Retail |  | No |  | $2946.71 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 595668150 |  |  |  | Non QM |  |  |  | Yes | No | $8171.21 | $0.00 |  | 7.367% | $2253.33 | $2253.33 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10610.17 | 1 | $3182.64 | $1371.96 | $265.22 | $114.33 |  |  |  |  |  | 36.291% | 36.291% | 36.291% | 05/19/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $8171.21 |  | 6.870% | $15568.71 | 2.1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $38959.92 | 8.950% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.19 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 519743320 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $1272.91 |  | 7.754% | $16276.89 | $16276.89 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $162326.43 | 1 | $6271.44 | $4056.96 | $522.62 | $338.08 |  |  |  |  |  | 13.750% | 13.750% | 13.750% | 05/21/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2012 | [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 |  |  | Guaranteed Rate | $1640.00 |  | 6.830% | $0.00 | 4 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $30833.26 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 22.45 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 532220606 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $4867.46 |  | 7.601% | $3076.54 | $3076.54 | 7.500% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $7757.59 | 1 | $10522.44 | $1821.00 | $876.87 | $151.75 |  |  |  |  |  | 36.267% | 36.267% | 36.267% | 05/21/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 - 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]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1640.00 |  | 6.870% | $1875.00 | 1.8 |  |  |  | N/A | No | 7.500% | 1 |  | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $127529.68 | 23.180% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 8.07 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 579011833 |  |  |  | Non QM |  |  |  | Yes | No | $4590.00 | $6112.76 |  | 7.457% | $1773.66 | $1773.66 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8362.27 | 1 | $4973.52 | $1721.04 | $414.46 | $143.42 |  |  |  |  |  | 30.855% | 30.855% | 30.855% | 05/13/2025 | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 4506 - 2023<br> [Borrower]; 4506 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506 - 2022<br> [Borrower]; 4506 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $4590.00 |  | 6.830% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 42.92 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 526556990 |  |  |  | Non QM |  |  |  | Yes | No | $39895.00 | $44931.74 |  | 7.087% | $12645.88 | $12645.88 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $239536.62 | 1 | $19174.32 | $3686.04 | $1597.86 | $307.17 |  |  |  |  |  | 8.313% | 8.313% | 8.313% | 05/01/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $39895.00 |  | 6.880% | $0.00 | 4.8 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 48.8 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 532976920 |  |  |  | Non QM |  |  |  | Yes | No | $25464.22 | $26093.55 |  | 8.395% | $7761.32 | $7761.32 | 8.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $62009.87 | 1 | $12089.16 | $5964.00 | $1007.43 | $497.00 |  |  |  |  |  | 20.788% | 20.788% | 20.788% | 05/23/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $25464.22 |  | 6.770% | $0.00 | 2.3 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $239827.11 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 25.88 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 588811104 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1070.55 | $1070.55 | 7.375% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $1721.16 | $1244.16 | $143.43 | $103.68 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/27/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 3.1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  |  | 08/01/2055 | $200778.03 | 63.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 23.82 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 544809199 |  |  |  | Non QM |  |  |  | Yes | No | $995.00 | $2277.04 |  | 7.675% | $2829.41 | $2829.41 | 7.625% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19350.39 | 1 | $2598.60 | $4443.84 | $216.55 | $370.32 |  |  |  |  |  | 31.828% | 31.828% | 31.828% | 06/09/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 62.900% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 62.90% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 62.90% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 62.90% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 62.90% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 62.90% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 62.90% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2010 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [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 |  |  | Arc | $995.00 |  | 6.930% | $0.00 | 2.5 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 116.01 | Retail | No | No |  | $28384.73 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 562407052 |  |  |  | Non QM |  |  |  | Yes | No | $502.29 | $1212.39 |  | 7.535% | $2352.86 | $2352.86 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4464.79 | 1 | $7221.24 | $5710.92 | $601.77 | $475.91 |  |  |  |  |  | 48.326% | 48.326% | 48.326% | 06/06/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $502.29 |  | 6.930% | $0.00 | 4.3 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $24070.14 | 3.990% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.94 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 545620889 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $1782.64 |  | 7.423% | $2210.16 | $2210.16 | 7.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3736.35 | 1 | $6120.96 | $1521.96 | $510.08 | $126.83 |  |  |  |  |  | 46.978% | 46.978% | 46.978% | 05/29/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1640.00 |  | 6.930% | $10000.00 | 2.1 |  |  |  | N/A | No | 7.375% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $179553.78 | 44.880% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.57 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 524573409 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $2980.48 |  | 7.021% | $8515.87 | $8515.87 | 7.000% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19913.18 | 1 | $23491.20 | $10799.04 | $1957.60 | $899.92 |  |  |  |  |  | 39.222% | 39.222% | 39.222% | 05/01/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<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]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1640.00 |  | 6.880% | $0.00 | 1.3 |  |  |  | N/A | No | 7.000% | 2 | 1 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $916760.43 | 57.290% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 54.16 | Retail |  | No |  | $19685.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 592331954 |  |  |  | Non QM |  |  |  | Yes | No | $2485.00 | $3732.92 |  | 8.219% | $725.07 | $725.07 | 7.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2695.26 | 1 | $1110.00 | $485.04 | $92.50 | $40.42 |  |  |  |  |  | 33.847% | 33.847% | 33.847% | 06/12/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $2485.00 |  | 6.890% | $0.00 | 2 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $7936.40 |  | No | 3 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.51 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 509589734 |  |  |  | Non QM |  |  |  | Yes | No | $1910.44 | $2871.59 |  | 7.034% | $1129.92 | $1129.92 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5651.58 | 1 | $1940.16 | $1721.64 | $161.68 | $143.47 |  |  |  |  |  | 35.452% | 35.452% | 35.452% | 06/03/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1910.44 |  | 6.830% | $0.00 | 3.9 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 1 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $57456.21 | 26.720% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.51 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 574023371 |  |  |  | Non QM |  |  |  | Yes | No | $9965.00 | $15007.41 |  | 7.316% | $2917.35 | $2917.35 | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13953.30 | 1 | $11793.72 | $1473.96 | $982.81 | $122.83 |  |  |  |  |  | 24.431% | 24.431% | 24.431% | 05/21/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $9965.00 |  | 6.920% | $0.00 | 2.6 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $40168.53 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.99 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 558549897 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4450.03 | $4450.03 | 8.500% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $13989.12 | $786.00 | $1165.76 | $65.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/17/2025 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 999 |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | 08/01/2055 | $1346343.81 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 161.16 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 515629004 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4450.03 | $4450.03 | 8.500% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $13991.88 | $786.00 | $1165.99 | $65.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/17/2025 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 999 |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.68 |  |  |  |  |  |  |  | 08/01/2055 | $1243470.08 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 162.85 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 531356401 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1776.42 | $1776.42 | 7.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4739.76 | $560.04 | $394.98 | $46.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/27/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | 07/01/2055 | $27905.81 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 16.3 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 566208359 |  |  |  | Non QM |  |  |  | Yes | No | $9265.00 | $10936.75 |  | 7.305% | $3880.62 | $3880.62 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18116.01 | 1 | $20715.24 | $3351.96 | $1726.27 | $279.33 |  |  |  |  |  | 33.502% | 33.502% | 33.502% | 05/27/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - 2013<br> [Borrower - \| 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 - \| 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 - \| 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 - \| 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 | [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 |  |  | First Colony Mortgage Corporation | $9265.00 |  | 6.830% | $5000.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $178051.20 | 24.720% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.76 | Broker | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 502786722 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3719.61 | $3719.61 | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $9287.28 | $2598.96 | $773.94 | $216.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/26/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.91 |  |  |  |  |  |  |  | 08/01/2055 | $107162.28 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 22.75 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 562971757 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $5583.51 | $5583.51 | 6.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5583.48 | $2922.00 | $465.29 | $243.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/23/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 54.01 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 505245685 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2842.29 | $2842.29 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4926.96 | $1518.96 | $410.58 | $126.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/10/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Guaranteed Rate |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | 08/01/2055 | $30707.94 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 129.21 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 521435144 |  |  |  | Non QM |  |  |  | Yes | No | $1590.00 | $5313.70 |  | 7.037% | $3500.00 | $4651.79 | 7.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8642.88 | 1 | $10007.40 | $2051.88 | $833.95 | $170.99 |  |  |  |  |  | 42.912% | 35.304% | 42.912% | 06/03/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1590.00 |  | 6.920% | $0.00 | 1.3 |  |  |  | N/A | No | 7.000% | 2 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 08/01/2055 | $882963.61 |  | No | 29 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 136.43 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 532331372 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $6174.64 | $6174.64 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $12762.24 | $2282.52 | $1063.52 | $190.21 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/03/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Guaranteed Rate |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 07/01/2055 | $526439.52 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 67.55 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 518375301 |  |  |  | Non QM |  |  |  | Yes | No | $17539.49 | $17513.42 |  | 8.265% | $3041.48 | $3041.48 | 7.875% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $9939.01 | 1 | $4194.96 | $1576.92 | $349.58 | $131.41 |  |  |  |  |  | 29.483% | 29.483% | 29.483% | 05/29/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| 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 |  |  | Arc | $17539.49 |  | 6.830% | $16305.00 | 5 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 08/01/2055 | $120401.57 | 24.390% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 9.55 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 552370696 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1662.08 | $1662.08 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3027.00 | $2958.96 | $252.25 | $246.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/04/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Guaranteed Rate |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 07/01/2055 | $265671.30 | 91.610% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 89.47 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 547686498 |  |  |  | Non QM |  |  |  | Yes | No | $9952.50 | $10498.29 |  | 7.215% | $2003.63 | $2003.63 | 6.875% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [redacted] |  |  |  | $6682.49 | 1 | $6625.56 | $1253.64 | $552.13 | $104.47 |  |  |  |  |  | 30.031% | 30.031% | 30.031% | 05/16/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 |  |  | First Colony Mortgage Corporation | $9952.50 |  | 6.920% | $0.00 | 1.3 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $196123.52 | 43.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 68.8 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 592851231 |  |  |  | Non QM |  |  |  | Yes | No | $4815.25 | $5732.92 |  | 7.383% | $1515.87 | $1515.87 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3572.21 | 1 | $1786.32 | $1407.00 | $148.86 | $117.25 |  |  |  |  |  | 47.197% | 47.197% | 47.197% | 04/29/2025 | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| 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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $4815.25 |  | 6.920% | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $3760.81 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.25 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 504470407 |  |  |  | Non QM |  |  |  | Yes | No | $16078.80 | $18695.42 |  | 7.389% | $8595.42 | $8595.42 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $41382.15 | 1 | $15973.08 | $2652.96 | $1331.09 | $221.08 |  |  |  |  |  | 32.798% | 32.798% | 32.798% | 06/04/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $16078.80 |  | 6.920% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $705624.92 | 44.800% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.44 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 523486453 |  |  |  | Non QM |  |  |  | Yes | No | $3697.50 | $6660.00 |  | 7.726% | $1887.88 | $1887.88 | 7.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4748.98 | 1 | $8167.68 | $498.00 | $680.64 | $41.50 |  |  |  |  |  | 42.262% | 42.262% | 42.262% | 05/17/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $3697.50 |  | 6.920% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $139501.99 | 38.750% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.63 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 514649782 |  |  |  | Non QM |  |  |  | Yes | No | $11550.79 | $15184.99 |  | 7.311% | $4384.01 | $4384.01 | 7.125% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $41942.18 | 1 | $8922.36 | $1725.36 | $743.53 | $143.78 |  |  |  |  |  | 23.246% | 23.246% | 23.246% | 05/21/2025 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 73.000% | 100.000% |  |  | [Borrower - \| Non-Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 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<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | Arc | $11550.79 |  | 6.930% | $7500.00 | 2.9 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $373657.17 | 39.330% | No | 2 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.11 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 535823393 |  |  |  | Non QM |  |  |  | Yes | No | $12493.50 | $19036.19 |  | 7.872% | $3670.35 | $3670.35 | 7.500% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6562.93 | 1 | $9397.68 | $2229.96 | $783.14 | $185.83 |  |  |  |  |  | 43.463% | 43.463% | 43.463% |  | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | Arc | $12493.50 |  | 6.890% | $3499.50 | 2.6 |  |  |  | N/A | No | 7.500% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 07/01/2055 | $1173901.66 | 100.000% | No |  | 30 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 147.79 | Retail |  | No |  | $0.00 | $6240.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 581507600 |  |  |  | Non QM |  |  |  | Yes | No | $5793.83 | $7255.14 |  | 9.067% | $2844.92 | $2844.92 | 8.875% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7410.67 | 1 | $6240.60 | $751.08 | $520.05 | $62.59 |  |  |  |  |  | 37.845% | 37.845% | 37.845% | 04/22/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $5793.83 |  | 6.920% | $0.00 | 1 |  |  |  | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $36958.23 | 9.300% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.93 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 524735919 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4622.32 | $4622.32 | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6526.32 | $1113.96 | $543.86 | $92.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/17/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.27 |  |  |  |  |  |  |  | 08/01/2055 | $275337.81 | 32.390% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.5 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 522159328 |  |  |  | Non QM |  |  |  | Yes | No | $1909.00 | $5781.76 |  | 7.532% | $5125.24 | $5125.24 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23878.99 | 1 | $11336.40 | $6615.84 | $944.70 | $551.32 |  |  |  |  |  | 35.699% | 35.699% | 35.699% | 05/30/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2012 | [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 |  |  | Arc | $1909.00 |  | 6.920% | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 105.42 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 534222983 |  |  |  | Non QM |  |  |  | Yes | No | $1590.00 | $3857.53 |  | 7.714% | $1855.84 | $1855.84 | 7.625% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4707.03 | 1 | $2985.96 | $1125.96 | $248.83 | $93.83 |  |  |  |  |  | 44.332% | 44.332% | 44.332% | 06/06/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 60.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<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<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1590.00 |  | 6.920% | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 | 1 | 0 | 0 | 3 | 2 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $119852.18 | 36.560% | No |  | 18 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 48.66 | Retail |  | No |  | $0.00 | $3418.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 587080888 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2412.29 | $2412.29 | 7.500% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $14953.80 | $2948.88 | $1246.15 | $245.74 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/19/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.17 |  |  |  |  |  |  |  | 07/01/2055 | $772728.20 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 163.81 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 525591331 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $962.88 | $962.88 | 8.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1319.52 | $774.00 | $109.96 | $64.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/03/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Guaranteed Rate |  |  |  | $0.00 | 2.4 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | 07/01/2040 | $27043.78 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 23.78 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 526117640 |  |  |  | Non QM |  |  |  | Yes | No | $2990.00 | $8650.00 |  | 7.038% | $5987.72 | $5987.72 | 7.000% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11082.61 | 1 | $3378.36 | $4298.52 | $281.53 | $358.21 |  |  |  |  |  | 47.642% | 47.642% | 47.642% | 05/28/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Other - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Other - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Other - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $2990.00 |  | 6.880% | $0.00 | 2.6 |  |  |  | N/A | No | 7.000% | 0 |  | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $1796386.08 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 204.11 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 536447050 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1678.81 | $1678.81 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2723.88 | $516.00 | $226.99 | $43.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/03/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | 08/01/2055 | $149575.86 | 43.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.72 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 535216076 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3724.68 | $3724.68 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $10755.84 | $2133.00 | $896.32 | $177.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/06/2025 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 08/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 56.67 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 569419312 |  |  |  | Non QM |  |  |  | Yes | No | $2291.30 | $5162.44 |  | 7.927% | $1266.95 | $1266.95 | 7.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3691.22 | 1 | $2967.36 | $2462.04 | $247.28 | $205.17 |  |  |  |  |  | 39.845% | 39.845% | 39.845% | 06/04/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024 | [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 |  |  | Arc | $2291.30 |  | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 30.48 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 582262790 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $3665.35 |  | 7.369% | $4779.47 | $4779.47 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9752.75 | 1 | $9497.40 | $2916.96 | $791.45 | $243.08 |  |  |  |  |  | 41.400% | 41.400% | 41.400% | 05/30/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1640.00 |  | 6.880% | $15000.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 08/01/2055 | $219003.33 | 25.310% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.02 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 553825629 |  |  |  | Non QM |  |  |  | Yes | No | $1595.00 | $5548.05 |  | 7.393% | $1978.31 | $1978.31 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4882.62 | 1 | $10041.96 | $1671.96 | $836.83 | $139.33 |  |  |  |  |  | 42.334% | 42.334% | 42.334% | 06/02/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 97.000% | 100.000% |  |  | [Borrower - \| 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> [Borrower - \| 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 - \| 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 - \| 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 - \| 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 - \| 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> [Borrower - \| 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 - \| 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 - \| 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 - 2001<br> [Borrower - \| Non-Primary Income - Child Support]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Child Support]; Divorce Decree - 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 |  |  | Arc | $1595.00 |  | 6.880% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 08/01/2055 | $68656.56 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 22.79 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 566562723 |  |  |  | Non QM |  |  |  | Yes | No | $1890.00 | $12357.18 |  | 6.926% | $8540.07 | $8540.07 | 6.875% | No | Yes | Not Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17783.15 | 1 | $25107.36 | $5949.36 | $2092.28 | $495.78 |  |  |  |  |  | 47.056% | 47.056% | 47.056% | 06/10/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [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]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1890.00 |  | 6.880% | $4500.00 | 1.9 |  |  |  | N/A | No | 6.875% | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $1325425.50 | 69.750% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 61.64 | Retail | Yes | No |  | $33588.78 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 562077871 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $5604.76 | $5604.76 | 7.250% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $13648.32 | $7343.04 | $1137.36 | $611.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | 07/01/2055 | $706860.34 | 68.820% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 67.56 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 594096474 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4993.95 | $6346.65 |  | 8.089% | $1361.18 | $1361.18 | 7.750% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5114.83 | 1 | $6920.88 | $1803.96 | $576.74 | $150.33 |  |  |  |  |  | 32.921% | 32.921% | 32.921% |  | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<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]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $4993.95 |  | 6.880% | $2500.00 | 2 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 | Not Stated |  |  |  | 08/01/2055 | $540481.30 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 31.46 | Retail |  | No |  | $4455.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 537099168 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1955.81 | $1955.81 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $7006.80 | $1787.04 | $583.90 | $148.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/08/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | 07/01/2055 | $47295.35 | 12.120% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 46.16 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 537157046 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2087.65 | $2100.83 |  | 7.439% | $2741.98 | $2741.98 | 7.375% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $107184.58 | 1 | $13826.52 | $3422.04 | $1152.21 | $285.17 |  |  |  |  |  | 6.766% | 6.766% | 6.766% | 05/31/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $2087.65 |  | 6.880% | $0.00 | 2.4 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 08/01/2055 | $4586.04 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 28.26 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 561429551 |  |  |  | Non QM |  |  |  | Yes | No | $8390.00 | $14777.14 |  | 9.566% | $5614.31 | $5614.31 | 9.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $45573.59 | 1 | $10759.56 | $2606.04 | $896.63 | $217.17 |  |  |  |  |  | 17.022% | 17.022% | 17.022% | 05/23/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 |  |  | Guaranteed Rate | $8390.00 |  | 6.880% | $0.00 | 3.9 |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $204230.75 | 27.230% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.84 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 567462621 |  |  |  | Non QM |  |  |  | Yes | No | $1890.00 | $4439.08 |  | 8.021% | $8613.33 | $10806.81 | 8.000% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27488.85 | 1 | $51088.92 | $4275.96 | $4257.41 | $356.33 |  |  |  |  |  | 43.892% | 39.415% | 43.892% | 06/09/2025 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [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]; 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<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1890.00 |  | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 8.000% | 3 | 3 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 07/01/2055 | $731266.81 | 45.270% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 26.63 | Retail | Yes | No |  | $39659.20 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 518477034 |  |  |  | Non QM |  |  |  | Yes | No | $3650.25 | $8016.11 |  | 8.013% | $2229.83 | $2229.83 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17076.87 | 1 | $6402.24 | $2368.32 | $533.52 | $197.36 |  |  |  |  |  | 21.783% | 21.783% | 21.783% | 06/11/2025 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $3650.25 |  | 6.880% | $1250.00 | 1.5 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 5 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 07/01/2055 | $151978.87 | 36.620% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 43.8 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 525621120 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3453.38 | $3453.38 | 7.375% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $9184.44 | $1229.04 | $765.37 | $102.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/05/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | HomeBridge |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 113.7 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 511678915 |  |  |  | Non QM |  |  |  | Yes | No | $1545.00 | $2784.03 |  | 7.910% | $5619.29 | $5619.29 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18659.62 | 1 | $5825.04 | $2804.04 | $485.42 | $233.67 |  |  |  |  |  | 29.956% | 29.956% | 29.956% | 06/13/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2018 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1545.00 |  | 6.880% | $0.00 | 4.3 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $63425.10 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.75 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 547253886 |  |  |  | Non QM |  |  |  | Yes | No | $1575.00 | $14081.20 |  | 6.881% | $22992.51 | $22992.51 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $213168.33 | 1 | $17516.16 | $2070.00 | $1459.68 | $172.50 |  |  |  |  |  | 12.773% | 12.773% | 12.773% | 06/11/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 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<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1575.00 |  | 6.880% | $0.00 | 2.6 |  |  |  | N/A | No | 6.875% | 2 |  | 2 | 0 | 3 | 2 |  |  | 5.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 |  |  | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 141.29 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 518549617 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2461.84 | $2461.84 | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $7822.08 | $6039.96 | $651.84 | $503.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/10/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 96.07 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 539048321 |  |  |  | Non QM |  |  |  | Yes | No | $21475.00 | $8519.81 |  | 7.438% | $5519.88 | $5519.88 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18035.84 | 1 | $7767.96 | $1761.00 | $647.33 | $146.75 |  |  |  |  |  | 37.800% | 37.800% | 37.800% | 03/13/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| 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 - \| 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 | [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 |  |  | HomeBridge | $21475.00 |  | 6.880% | $0.00 | 1.7 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $177165.79 | 17.730% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.88 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 579329285 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2154.61 | $2154.61 | 7.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1990.32 | $628.08 | $165.86 | $52.34 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/09/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 158.61 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 538384340 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2154.61 | $2154.61 | 7.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1990.32 | $873.96 | $165.86 | $72.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/09/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 4.3 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 157.33 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 586932935 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2154.61 | $2154.61 | 7.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1990.32 | $861.00 | $165.86 | $71.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/09/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 157.39 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 508296292 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2154.61 | $2154.61 | 7.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1990.32 | $627.96 | $165.86 | $52.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/09/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 159.32 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 586713137 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1095.06 | $1095.06 | 6.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3145.08 | $627.72 | $262.09 | $52.31 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/14/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | 07/01/2055 | $257391.21 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 117.12 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 591602605 |  |  |  | Non QM |  |  |  | Yes | No | $16978.81 | $18917.14 |  | 6.934% | $3713.29 | $3713.29 | 6.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6104.76 | 1 | $8599.44 | $2542.20 | $716.62 | $211.85 |  |  |  |  |  | 47.461% | 47.461% | 47.461% | 05/19/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Personal - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; 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 |  |  | Arc | $16978.81 |  | 6.880% | $0.00 | 1.2 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 07/01/2055 | $235413.44 | 32.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.6 | Retail |  | No |  | $5809.76 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 556790950 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1243.22 | $1243.22 | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1845.96 | $1904.04 | $153.83 | $158.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/02/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 106.67 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 588063817 |  |  |  | Non QM |  |  |  | Yes | No | $1999.00 | $4202.57 |  | 8.144% | $11582.96 | $11582.96 | 8.125% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $47241.41 | 1 | $27133.08 | $17046.48 | $2261.09 | $1420.54 |  |  |  |  |  | 26.415% | 26.415% | 26.415% |  | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| 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 |  |  | Arc | $1999.00 |  | 6.830% | $0.00 | 1.1 |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $633106.91 | 32.460% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.2 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 523101806 |  |  |  | Non QM |  |  |  | Yes | No | $2813.61 | $4247.21 |  | 7.588% | $2230.49 | $2230.49 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $29484.38 | 1 | $3864.00 | $3270.48 | $322.00 | $272.54 |  |  |  |  |  | 28.748% | 28.748% | 28.748% | 05/06/2025 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 90.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 |  |  | Arc | $2813.61 |  | 6.890% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 35.55 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 548511586 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2865.14 | $2865.14 | 7.250% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $3314.64 | $1467.00 | $276.22 | $122.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/08/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Guaranteed Rate |  |  |  | $0.00 | 4 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.67 | 0.6 |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 7.07 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 511311032 |  |  |  | Non QM |  |  |  | Yes | No | $6086.00 | $7507.50 |  | 7.009% | $3416.03 | $3416.03 | 6.875% | No | No | Self-Employed | Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $8529.89 | 1 | $10181.40 | $2043.96 | $848.45 | $170.33 |  |  |  |  |  | 35.782% | 35.782% | 35.782% | 05/22/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; 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 |  |  | Arc | $6086.00 |  | 6.890% | $3900.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $248861.21 | 38.280% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 22.66 | Retail |  | No |  | $6641.37 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 501999874 |  |  |  | Non QM |  |  |  | Yes | No | $16180.50 | $16377.33 |  | 7.038% | $6562.72 | $6562.72 | 6.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9131.68 | 1 | $4096.08 | $2052.96 | $341.34 | $171.08 |  |  |  |  |  | 48.575% | 48.575% | 48.575% | 05/21/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | First Colony Mortgage Corporation | $16180.50 |  | 6.830% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 2 | 1 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 |  |  | No | 28 | 18 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 20.65 | Retail | No | No |  | $0.00 | $2051.39 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 560358238 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2178.63 | $2178.63 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $8036.52 | $2612.04 | $669.71 | $217.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/16/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.5 | 0.67 |  |  |  |  |  |  | 240 | 08/01/2055 | $598181.21 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 155.1 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 501442923 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $2983.45 |  | 9.443% | $3454.95 | $3454.95 | 9.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14089.74 | 1 | $1909.32 | $1000.20 | $159.11 | $83.35 |  |  |  |  |  | 32.450% | 32.450% | 32.450% | 06/09/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1640.00 |  | 6.890% | $10000.00 | 1.1 |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.95 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 546300618 |  |  |  | Non QM |  |  |  | Yes | No | $8560.00 | $13693.88 |  | 7.711% | $2046.53 | $2046.53 | 7.250% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7869.47 | 1 | $13371.12 | $2127.00 | $1114.26 | $177.25 |  |  |  |  |  | 33.380% | 33.380% | 33.380% | 06/16/2025 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | New American Funding | $8560.00 |  | 6.890% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 1 |  | 1 | 0 | 2 | 3 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 07/01/2055 | $881749.24 | 100.000% | No | 18 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 131.57 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 554332862 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1862.85 | $1862.85 | 7.000% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $3066.00 | $1387.32 | $255.50 | $115.61 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/09/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | 08/01/2055 | $14088.25 | 4.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 54.32 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 538405680 |  |  |  | N/A |  |  |  | No | No | $1640.00 | $5437.76 |  | 7.949% | $1888.46 | $1888.46 | 7.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9366.77 | 1 | $4844.28 | $801.00 | $403.69 | $66.75 |  |  |  |  |  | 33.882% | 33.882% | 33.882% | 05/22/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1640.00 |  | 6.920% | $0.00 | 2 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $495828.05 | 100.000% | No | 1 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 144.17 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 577496740 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $0.00 |  | 8.917% | $7181.26 | $7181.26 | 9.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $55723.60 | 1 | $12509.88 | $1452.96 | $1042.49 | $121.08 |  |  |  |  |  | 30.311% | 30.311% | 30.311% | 06/03/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1640.00 |  | 6.890% | $150000.00 | 1 |  |  |  | N/A | No | 9.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $140330.73 | 13.360% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.91 | Broker | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 517539180 |  |  |  | Non QM |  |  |  | Yes | No | $11783.75 | $15405.11 |  | 7.782% | $7144.29 | $7144.29 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $33852.72 | 1 | $14843.76 | $2049.96 | $1236.98 | $170.83 |  |  |  |  |  | 23.635% | 23.635% | 23.635% | 06/17/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [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 | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $11783.75 |  | 6.890% | $1000.00 | 1.7 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $97746.66 | 8.230% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.61 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 595357751 |  |  |  | Non QM |  |  |  | Yes | No | $1395.00 | $2512.67 |  | 7.444% | $2223.97 | $2223.97 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5155.04 | 1 | $5234.76 | $2404.80 | $436.23 | $200.40 |  |  |  |  |  | 37.981% | 37.981% | 37.981% | 05/27/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| 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> [Borrower - \| 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 - \| 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 - \| 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 - \| 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 - \| 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> [Borrower - \| 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 - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 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]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1395.00 |  | 6.830% | $145000.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 4 | 0 | 12 |  | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 07/01/2055 | $1659.73 | 0.360% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.35 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 532826494 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1980.73 | $1980.73 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5250.00 | $972.00 | $437.50 | $81.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/05/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.15 |  |  |  |  |  |  |  | 08/01/2055 | $191038.80 | 45.480% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.18 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 593493252 |  |  |  | Non QM |  |  |  | Yes | No | $18890.00 | $19989.93 |  | 7.124% | $5255.43 | $5255.43 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7900.26 | 1 | $1749.00 | $3611.76 | $145.75 | $300.98 |  |  |  |  |  | 48.325% | 48.325% | 48.325% | 06/02/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - \| 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> [Borrower - \| 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 - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 | [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 |  |  | HomeBridge | $18890.00 |  | 6.830% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.38 | Broker | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 598617515 |  |  |  | Non QM |  |  |  | Yes | No | $2390.00 | $5801.76 |  | 7.414% | $5957.07 | $5957.07 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10550.62 | 1 | $9537.36 | $1242.96 | $794.78 | $103.58 |  |  |  |  |  | 42.859% | 42.859% | 42.859% | 06/18/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| 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 - 2025<br> [Borrower - \| 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 - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| 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 - 2025<br> [Borrower - \| 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 - 2025<br> [Borrower - \| 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 - 2025<br> [Borrower - \| 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 - 1953 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $2390.00 |  | 6.830% | $0.00 | 1.1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 08/01/2055 | $17988.24 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 33.38 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 528666507 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1447.31 | $1447.31 | 8.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $753.12 | $695.76 | $62.76 | $57.98 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/09/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | First Colony Mortgage |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.75 |  |  |  |  |  |  |  | 07/01/2055 | $104482.97 | 40.200% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.17 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 544921811 |  |  |  | Non QM |  |  |  | Yes | No | $1851.39 | $9265.56 |  | 7.280% | $2155.53 | $2155.53 | 7.000% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21023.00 | 1 | $4045.80 | $1857.96 | $337.15 | $154.83 |  |  |  |  |  | 15.507% | 15.507% | 15.507% |  | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2015 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1851.39 |  | 6.890% | $9190.00 | 1.1 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $99770.43 | 24.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.86 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 575177923 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2900.28 | $2900.28 | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3101.16 | $978.96 | $258.43 | $81.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/15/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.17 |  |  |  |  |  |  |  | 07/01/2055 | $425674.19 | 61.600% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.14 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 591808953 |  |  |  | Non QM |  |  |  | Yes | No | $1695.00 | $3448.86 |  | 7.816% | $3782.66 | $3782.66 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20145.76 | 1 | $8250.00 | $1606.20 | $687.50 | $133.85 |  |  |  |  |  | 38.286% | 38.286% | 38.286% | 03/04/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 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 |  |  | Arc | $1695.00 |  | 6.890% | $0.00 | 1.2 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.32 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 538603561 |  |  |  | Non QM |  |  |  | Yes | No | $7499.38 | $14074.82 |  | 8.798% | $5075.08 | $5075.08 | 8.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $31288.40 | 1 | $9287.28 | $3882.96 | $773.94 | $323.58 |  |  |  |  |  | 18.414% | 18.414% | 18.414% | 06/09/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $7499.38 |  | 6.880% | $1650.00 | 1 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $131184.35 | 18.090% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.19 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 570643383 |  |  |  | Non QM |  |  |  | Yes | No | $7790.00 | $12539.44 |  | 7.953% | $9244.63 | $9244.63 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $63174.04 | 1 | $11237.04 | $2625.72 | $936.42 | $218.81 |  |  |  |  |  | 33.511% | 33.511% | 33.511% | 06/16/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 |  |  | Arc | $7790.00 |  | 6.830% | $0.00 | 4.8 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $105175.75 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 41.58 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 520680515 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1857.96 | $1857.96 | 7.625% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $7894.80 | $648.96 | $657.90 | $54.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/09/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  |  |  |  |  | 07/01/2055 | $209602.43 | 59.880% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 41.22 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 559045194 |  |  |  | Non QM |  |  |  | Yes | No | $1116.75 | $2959.18 |  | 8.204% | $2635.86 | $2635.86 | 8.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6690.51 | 1 | $1487.16 | $608.40 | $123.93 | $50.70 |  |  |  |  |  | 42.816% | 42.816% | 42.816% | 05/20/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1116.75 |  | 6.880% | $0.00 | 3 |  |  |  | N/A | No | 8.125% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $178407.05 | 35.320% | No | 16 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.72 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 578777160 |  |  |  | Non QM |  |  |  | Yes | No | $1990.00 | $3830.76 |  | 8.415% | $6232.59 | $6232.59 | 8.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13461.81 | 1 | $12812.52 | $4397.16 | $1067.71 | $366.43 |  |  |  |  |  | 49.921% | 49.921% | 49.921% | 06/09/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 49.000% | 51.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; 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<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 |  |  | Cross Country | $1990.00 |  | 6.890% | $0.00 | 1.1 |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 07/01/2055 | $574593.98 | 56.050% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 39.76 | Retail | Yes | No |  | $13709.31 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 559219952 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1927.18 | $1927.18 | 7.500% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $4319.04 | $1658.04 | $359.92 | $138.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/05/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.23 |  |  |  |  |  |  |  | 07/01/2055 | $1500.00 | 0.400% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 21.47 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 502121135 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2854.45 | $2854.45 | 7.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $8141.64 | $5175.00 | $678.47 | $431.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/18/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | 07/01/2055 | $223139.87 | 42.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 128.46 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 572175844 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2820.11 | $2820.11 | 7.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $7895.88 | $5282.04 | $657.99 | $440.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/18/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | 07/01/2055 | $223139.87 | 42.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 124.33 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 592876542 |  |  |  | Non QM |  |  |  | Yes | No | $10380.00 | $14947.13 |  | 7.396% | $5252.76 | $5252.76 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $42945.03 | 1 | $17161.44 | $1904.04 | $1430.12 | $158.67 |  |  |  |  |  | 37.288% | 37.288% | 37.288% | 06/04/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 44.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 44.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 44.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 44.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 44.00% \| 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 - 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 |  |  | Arc | $10380.00 |  | 6.830% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 62.17 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 528687253 |  |  |  | Non QM |  |  |  | Yes | No | $2304.04 | $9744.06 |  | 7.206% | $1701.45 | $1701.45 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3245.63 | 1 | $3639.24 | $0.00 | $303.27 | $0.00 |  |  |  |  |  | 48.979% | 48.979% | 48.979% | 06/11/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $2304.04 |  | 6.830% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $172141.75 | 43.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.7 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 552974262 |  |  |  | Non QM |  |  |  | Yes | No | $0.00 | $359.00 |  | 7.627% | $6794.82 | $6794.82 | 7.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14081.87 | 1 | $14723.40 | $2078.04 | $1226.95 | $173.17 |  |  |  |  |  | 43.318% | 43.318% | 43.318% | 06/23/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc |  |  | 6.920% | $0.00 | 2.8 |  |  |  | N/A | No | 7.625% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $477184.53 | 39.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 28.17 | Retail | Yes | No |  | $0.00 | $13746.83 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 594886283 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $2577.57 |  | 7.303% | $3230.79 | $3230.79 | 7.250% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $11124.45 | 1 | $10154.88 | $3045.96 | $846.24 | $253.83 |  |  |  |  |  | 44.984% | 44.984% | 44.984% | 06/05/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 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 - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1640.00 |  | 6.830% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $151386.66 | 25.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 11.39 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 513553170 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1736.51 | $1736.51 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $5344.56 | $775.92 | $445.38 | $64.66 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/25/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.9 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  | 240 | 07/01/2055 | $818123.53 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 360.79 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 520800425 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1856.82 | $1856.82 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $5716.56 | $925.56 | $476.38 | $77.13 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/25/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  | 240 | 07/01/2055 | $818123.53 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 360.4 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 594343054 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1880.89 | $1880.89 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $5934.24 | $901.80 | $494.52 | $75.15 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/25/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  | 240 | 07/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 63.36 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 556783202 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1880.89 | $1880.89 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $6286.56 | $925.56 | $523.88 | $77.13 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/25/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  | 240 | 07/01/2055 | $818123.53 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 349.96 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 538430106 |  |  |  | Non QM |  |  |  | Yes | No | $6128.00 | $9623.12 |  | 7.944% | $2922.96 | $2922.96 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $27886.91 | 1 | $6504.12 | $2337.36 | $542.01 | $194.78 |  |  |  |  |  | 15.045% | 15.045% | 15.045% | 06/05/2025 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [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 | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $6128.00 |  | 6.830% | $1500.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $200524.73 | 39.310% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.4 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 525916289 |  |  |  | N/A |  |  |  | No | No | $0.00 | $0.00 |  | 9.313% | $5019.61 | $5019.61 | 9.375% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $46695.48 | 1 | $9460.56 | $1627.56 | $788.38 | $135.63 |  |  |  |  |  | 32.245% | 32.245% | 32.245% | 05/12/2025 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc |  |  | 6.670% | $7000.00 | 1.1 |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $86912.75 | 12.240% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 12.31 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 555162165 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $9448.54 | $9448.54 | 7.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $26124.96 | $2116.08 | $2177.08 | $176.34 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/06/2025 | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  | 240 | 07/01/2055 | $813978.96 | 38.940% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.15 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 530753030 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1736.51 | $1736.51 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $5344.56 | $775.92 | $445.38 | $64.66 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/25/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.7 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  | 240 | 07/01/2055 | $818123.53 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 368.73 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 519228870 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1953.07 | $1953.07 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $6041.76 | $897.00 | $503.48 | $74.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/25/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.8 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  | 240 | 07/01/2055 | $818123.53 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 332.58 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 561541199 |  |  |  | Non QM |  |  |  | Yes | No | $10975.00 | $12909.88 |  | 7.947% | $12181.17 | $12181.17 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $74257.30 | 1 | $32892.60 | $5934.00 | $2741.05 | $494.50 |  |  |  |  |  | 25.743% | 25.743% | 25.743% | 05/23/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 33.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 60.00000% \| 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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $10975.00 |  | 6.830% | $0.00 | 3.4 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $2274389.93 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 119.53 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 521679192 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2463.48 | $2463.48 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $10557.36 | $4031.04 | $879.78 | $335.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/05/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 4.5 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.98 | 1.02 |  |  |  |  |  |  |  | 08/01/2055 | $445568.68 | 89.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 81.31 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 554078512 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3496.10 | $3496.10 | 6.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $14326.08 | $4566.96 | $1193.84 | $380.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/27/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | 08/01/2055 | $316428.50 | 40.560% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.58 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 596579174 |  |  |  | Non QM |  |  |  | Yes | No | $6670.00 | $3034.47 |  | 7.694% | $1868.58 | $1868.58 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13506.32 | 1 | $2839.08 | $1824.00 | $236.59 | $152.00 |  |  |  |  |  | 24.661% | 24.661% | 24.661% | 06/13/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | First Colony Mortgage Corporation | $6670.00 |  | 6.830% | $1005.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $125271.30 | 37.960% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.09 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 596365095 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3009.04 | $3009.04 | 7.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $13475.76 | $2594.88 | $1122.98 | $216.24 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/16/2025 | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.72 |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 90.97 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 530082925 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2358.01 | $2358.01 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $8424.12 | $851.04 | $702.01 | $70.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/12/2025 | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | 08/01/2055 | $406534.32 | 60.320% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.52 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 550037429 |  |  |  | Non QM |  |  |  | Yes | No | $4450.00 | $5669.59 |  | 7.949% | $874.02 | $874.02 | 7.500% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4317.70 | 1 | $4689.36 | $3226.80 | $390.78 | $268.90 |  |  |  |  |  | 28.826% | 28.826% | 28.826% | 06/24/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $4450.00 |  | 6.830% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 71.1 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 518062828 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2112.94 | $2112.94 | 8.250% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 3 | $5867.88 | $2149.08 | $488.99 | $179.09 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/29/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Guaranteed Rate |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | 07/01/2055 | $227082.26 | 60.550% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 72.8 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 508807828 |  |  |  | Non QM |  |  |  | Yes | No | $1445.00 | $5099.53 |  | 8.304% | $3288.67 | $3288.67 | 8.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5930.31 | 1 | $8674.44 | $2417.88 | $722.87 | $201.49 |  |  |  |  |  | 44.697% | 44.697% | 44.697% | 06/04/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 66.000% | 100.000% |  |  | [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2017 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1445.00 |  | 6.830% | $15000.00 | 1.2 |  |  |  | N/A | No | 8.250% | 1 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $116545.05 | 22.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.54 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 566841109 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2704.83 | $2704.83 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3128.88 | $1023.00 | $260.74 | $85.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/17/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1.01 |  |  |  |  |  |  |  | 08/01/2055 | $235048.57 | 38.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.98 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 502716401 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2983.90 | $2983.90 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2702.04 | $1338.96 | $225.17 | $111.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/11/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.28 |  |  |  |  |  |  |  | 08/01/2055 | $265029.37 | 46.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.89 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 576398899 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2019.59 | $2019.59 | 8.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 4 | $5075.40 | $4532.04 | $422.95 | $377.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/09/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | HomeBridge |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  |  | 07/01/2055 | $107007.37 | 31.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | Broker |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 572161839 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1513.56 | $1513.56 | 7.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3888.12 | $1332.96 | $324.01 | $111.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/10/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 08/01/2055 | $106812.23 | 22.720% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.09 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 501044950 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3729.59 | $3729.59 | 8.875% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $5897.28 | $1851.96 | $491.44 | $154.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/08/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.18 |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 16.96 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 518864402 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2293.11 | $2293.11 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1368.24 | $1753.56 | $114.02 | $146.13 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/17/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.87 |  |  |  |  |  |  |  | 07/01/2055 | $15583.70 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.1 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 563266988 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4943.24 | $4943.24 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $15337.08 | $2253.96 | $1278.09 | $187.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/06/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 69.78 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 585630452 |  |  |  | Non QM |  |  |  | Yes | No | $14158.00 | $20288.24 |  | 7.101% | $5124.04 | $5124.04 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $53242.72 | 1 | $10717.20 | $3107.04 | $893.10 | $258.92 |  |  |  |  |  | 29.932% | 29.932% | 29.932% | 03/13/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [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 |  |  | Arc | $14158.00 |  | 6.740% | $0.00 | 2 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $140031.98 | 14.360% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.34 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 526495521 |  |  |  | Non QM |  |  |  | Yes | No | $3482.26 | $11425.35 |  | 7.831% | $3285.93 | $3285.93 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24317.38 | 1 | $1783.44 | $1794.96 | $148.62 | $149.58 |  |  |  |  |  | 23.132% | 23.132% | 23.132% | 06/11/2025 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 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 |  |  | Arc | $3482.26 |  | 6.770% | $0.00 | 2.7 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $248864.18 | 40.200% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.38 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 542496746 |  |  |  | Non QM |  |  |  | Yes | No | $17671.10 | $7645.51 |  | 9.274% | $8144.49 | $8144.49 | 9.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $568817.62 | 1 | $5241.60 | $2064.00 | $436.80 | $172.00 |  |  |  |  |  | 5.301% | 5.301% | 5.301% | 06/12/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - \| 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]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $17671.10 |  | 6.770% | $25000.00 | 2.6 |  |  |  | N/A | No | 9.250% | 0 |  | 0 | 0 | 5 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $69300.97 | 6.300% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 60.36 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 557856058 |  |  |  | Non QM |  |  |  | Yes | No | $0.00 | $2309.23 |  | 7.005% | $5721.60 | $5721.60 | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $55022.24 | 1 | $12862.56 | $0.00 | $1071.88 | $0.00 |  |  |  |  |  | 22.144% | 22.144% | 22.144% | 06/27/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [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 |  |  | Arc |  |  | 6.770% | $0.00 | 2.1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 08/01/2055 | $100879.58 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.51 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 556036471 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1947.70 | $1947.70 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1970.64 | $884.04 | $164.22 | $73.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/23/2025 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 92.54 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 520903780 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1314.22 | $1314.22 | 8.125% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $2657.88 | $1367.64 | $221.49 | $113.97 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/01/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | 08/01/2055 | $169126.61 | 57.330% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 20.48 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 568587866 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1694.86 | $1694.86 | 8.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2406.24 | $1845.96 | $200.52 | $153.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/13/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | HomeBridge |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | 08/01/2055 | $107539.90 | 38.130% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.35 | Broker |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 544504794 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1815.63 | $1815.63 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $948.12 | $3392.04 | $79.01 | $282.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/29/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  | 240 | 08/01/2055 | $5630.49 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 38.93 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 587754038 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $5222.58 | $5222.58 | 6.875% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 4 | $17313.36 | $4416.48 | $1442.78 | $368.04 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/07/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | 07/01/2055 | $2293475.25 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 240.58 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 598812258 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1878.82 | $1878.82 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2492.04 | $2850.48 | $207.67 | $237.54 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/09/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | 08/01/2055 | $329148.32 | 85.270% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 92.46 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 555250631 |  |  |  | Non QM |  |  |  | Yes | No | $59.00 | $1644.24 |  | 8.749% | $3009.13 | $3009.13 | 8.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9547.25 | 1 | $3707.76 | $1323.00 | $308.98 | $110.25 |  |  |  |  |  | 38.896% | 38.896% | 38.896% |  | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 40.000% | 60.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<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<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $59.00 |  | 6.770% | $8436.30 |  |  |  |  | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 5 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 08/01/2055 | $65070.93 | 15.310% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 16.62 | Retail |  | No |  | $9374.77 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 546864576 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1826.85 | $1826.85 | 7.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $6029.04 | $5823.00 | $502.42 | $485.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/24/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.22 |  |  |  |  |  |  |  | 08/01/2055 | $220865.91 | 64.960% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 42.17 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 566080705 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1746.48 | $1746.48 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4648.20 | $0.00 | $387.35 | $0.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/15/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  |  | 07/01/2055 | $402679.42 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 125.36 | Broker |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 539484118 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3580.40 | $3580.40 | 8.875% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $4418.04 | $1484.04 | $368.17 | $123.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/08/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.15 |  |  |  |  |  |  |  | 07/01/2055 | $567540.29 | 94.590% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 97.46 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 529863192 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16255.00 | $19033.44 |  | 7.540% | $4475.08 | $4475.08 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6516.67 | 1 | $14788.80 | $3155.04 | $1232.40 | $262.92 |  |  |  |  |  | 48.037% | 48.037% | 48.037% | 06/30/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $16255.00 |  | 6.770% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.7 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 504349710 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $26695.00 | $26853.49 |  | 7.438% | $9550.47 | $9550.47 | 7.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $43499.15 | 1 | $29687.52 | $5613.84 | $2473.96 | $467.82 |  |  |  |  |  | 38.780% | 38.780% | 38.780% | 04/30/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ArcHome | $26695.00 |  | 6.770% | $0.00 | 1.8 |  |  |  | N/A | No | 7.250% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 08/01/2055 | $1367814.89 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 89.78 |  | No | No |  | $0.00 | $25965.28 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 563154189 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3893.70 | $3893.70 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $10506.48 | $942.96 | $875.54 | $78.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/27/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.79 | 1.26 |  |  |  |  |  |  |  | 08/01/2055 | $284742.53 | 39.290% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.83 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 570848965 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4007.27 | $4007.27 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $7167.60 | $1611.00 | $597.30 | $134.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/02/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | 08/01/2055 | $0.00 | 0.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.46 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 523208813 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14400.00 | $1905.75 |  | 7.762% | $4126.53 | $4126.53 | 7.750% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $8769.78 | 1 | $7505.88 | $7322.40 | $625.49 | $610.20 |  |  |  |  |  | 37.944% | 37.944% | 37.944% | 05/30/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [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 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $14400.00 |  | 6.670% | $0.00 | 1.4 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | 08/01/2055 | $250018.58 | 34.720% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 16.06 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 505801173 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4013.34 | $4013.34 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | $19686.48 | $2493.24 | $1640.54 | $207.77 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/05/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.71 |  |  |  |  |  |  |  | 08/01/2040 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 68.69 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 519590641 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2299.25 | $2299.25 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $7188.96 | $1404.96 | $599.08 | $117.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/09/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  |  | 08/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 113.04 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 522820901 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $27472.56 | $30658.72 |  | 7.477% | $9250.31 | $9250.31 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $144688.39 | 1 | $15739.92 | $3622.20 | $1311.66 | $301.85 |  |  |  |  |  | 11.585% | 11.585% | 11.585% | 06/10/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 54.010% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 54.01% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 54.01% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 54.01% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 54.01% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 54.01% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $27472.56 |  | 6.830% | $0.00 | 2.5 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 08/01/2055 | $569406.75 | 33.590% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.74 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 566683788 |  |  |  | Non QM |  |  |  | Yes | No | $20727.50 | $6339.74 |  | 7.899% | $7212.19 | $7968.51 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $34423.24 | 1 | $2575.68 | $4836.00 | $214.64 | $403.00 |  |  |  |  |  | 40.485% | 39.177% | 40.485% | 06/10/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 45.100% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 45.10% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 45.10% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 45.10% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 45.10% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 45.10% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 45.10% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 45.10% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 45.10% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2023 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $20727.50 |  | 6.770% | $0.00 | 1.3 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 360 | 09/01/2065 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.74 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 539674069 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $18032.58 | $5508.88 |  | 7.554% | $5213.34 | $5213.34 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $27546.84 | 1 | $12055.68 | $2010.96 | $1004.64 | $167.58 |  |  |  |  |  | 21.444% | 21.444% | 21.444% | 06/12/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 1 | 1 |  |  | Arc | $18032.58 |  | 6.880% | $17000.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | 08/01/2055 | $249689.77 | 26.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.05 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 501916814 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3429.20 | $3429.20 | 7.375% | No | No |  |  |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  |  | 3 | $9992.64 | $3968.04 | $832.72 | $330.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/09/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | 09/01/2055 | $126378.70 | 19.090% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.41 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 522657070 |  |  |  | Non QM |  |  |  | Yes | No | $7120.00 | $6955.58 |  | 9.080% | $1770.08 | $1770.08 | 8.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6342.38 | 1 | $3131.04 | $2292.96 | $260.92 | $191.08 |  |  |  |  |  | 40.606% | 40.606% | 40.606% | 07/02/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2021 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $7120.00 |  | 6.670% | $12000.00 | 1 |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $48809.58 | 19.520% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.44 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 537178062 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8437.15 | $2997.07 |  | 8.102% | $2177.81 | $2177.81 | 8.000% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4262.86 | 1 | $4593.96 | $789.96 | $382.83 | $65.83 |  |  |  |  |  | 42.982% | 42.982% | 42.982% | 06/11/2025 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 78.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2018<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $8437.15 |  | 6.670% | $10000.00 | 999 |  |  |  | N/A | No | 8.000% | 0 | 2 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 08/01/2055 | $140497.43 | 37.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 23.01 |  |  | No |  | $0.00 | $1651.83 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 517643461 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7632.60 | $3322.96 |  | 7.469% | $2119.54 | $2119.54 | 7.375% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $6488.49 | 1 | $4530.24 | $548.04 | $377.52 | $45.67 |  |  |  |  |  | 35.000% | 35.000% | 35.000% | 05/26/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $7632.60 |  | 6.920% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 08/01/2055 | $80646.47 | 21.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 20.36 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 538870879 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1964.13 | $1964.13 | 7.625% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 2 | $3777.36 | $1497.60 | $314.78 | $124.80 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/19/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | 08/01/2055 | $130934.26 | 35.380% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.35 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 596659684 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4674.59 | $4674.59 | 7.750% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $20441.16 | $1482.96 | $1703.43 | $123.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/23/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.77 | 1.3 |  |  |  |  |  |  |  | 09/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 37.88 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 509907803 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $619.79 | $619.79 | 8.250% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $4161.12 | $765.00 | $346.76 | $63.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/18/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.8 |  |  |  | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.94 | 0.52 |  |  |  |  |  |  |  | 08/01/2055 | $85600.15 | 77.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 46.55 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 580834456 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1890.59 | $1890.59 | 7.375% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $5446.08 | $8458.92 | $453.84 | $704.91 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/27/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.9 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.48 | 0.4 |  |  |  |  |  |  |  | 09/01/2055 | $570236.48 | 74.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 21.13 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 583744884 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2188.85 | $2188.85 | 7.000% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $6771.00 | $2875.08 | $564.25 | $239.59 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/24/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 77.11 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 566737350 |  |  |  | Non QM |  |  |  | Yes | No | $85401.28 | $29245.81 |  | 7.505% | $15222.48 | $15222.48 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $43269.63 | 1 | $34378.32 | $5957.04 | $2864.86 | $496.42 |  |  |  |  |  | 36.200% | 36.200% | 36.200% | 06/12/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [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]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $85401.28 |  | 6.770% | $0.00 | 2.8 |  |  |  | N/A | No | 7.375% | 0 |  | 1 | 0 | 2 | 1 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  | 09/01/2055 | $1023991.46 | 37.160% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.77 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 561043919 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2294.85 | $2294.85 | 8.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2554.68 | $948.00 | $212.89 | $79.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/09/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.68 |  |  |  |  |  |  |  | 08/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 118.61 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 504566496 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4384.78 | $4384.78 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3918.84 | $1050.00 | $326.57 | $87.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/02/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.73 |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.03 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 530786036 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1890.63 | $1890.63 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1852.32 | $2106.96 | $154.36 | $175.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/24/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.87 |  |  |  |  |  |  | 240 | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 121.72 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 558087033 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1856.25 | $1856.25 | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2073.72 | $2106.96 | $172.81 | $175.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/24/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  | 240 | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 120.92 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 514274472 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1890.63 | $1890.63 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2073.84 | $2106.96 | $172.82 | $175.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/24/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 999 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.78 |  |  |  |  |  |  | 240 | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 119.94 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 581999005 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1856.25 | $1856.25 | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1852.32 | $2478.00 | $154.36 | $206.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/24/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 999 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  | 240 | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 121.27 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 503970199 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1912.50 | $1912.50 | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1852.32 | $2106.96 | $154.36 | $175.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/24/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 999 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.84 |  |  |  |  |  |  | 240 | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 123.78 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 552679051 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1890.63 | $1890.63 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2073.72 | $2478.00 | $172.81 | $206.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/24/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 999 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  | 240 | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 119.52 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 597620175 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1856.25 | $1856.25 | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2073.72 | $2106.96 | $172.81 | $175.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/24/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 999 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  | 240 | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 121.42 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 517987933 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1890.63 | $1890.63 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1852.32 | $2478.00 | $154.36 | $206.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/24/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 999 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  | 240 | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 120.34 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 571674815 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1536.85 | $1536.85 | 7.000% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4245.96 | $1791.96 | $353.83 | $149.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/30/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.82 |  |  |  |  |  |  |  | 08/01/2055 | $473522.12 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 171.49 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 587298486 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3453.72 | $3453.72 | 7.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $12084.48 | $2960.04 | $1007.04 | $246.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/20/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 09/01/2055 | $146961.02 | 22.640% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.24 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 518892573 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $5908.97 | $5908.97 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $19978.44 | $1733.04 | $1664.87 | $144.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/26/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  | 08/01/2055 | $1314715.56 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 143.81 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 520145313 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2358.32 | $4767.81 |  | 6.966% | $2969.32 | $2969.32 | 6.875% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $9540.48 | 1 | $10647.96 | $1565.04 | $887.33 | $130.42 |  |  |  |  |  | 31.963% | 31.963% | 31.963% | 07/01/2025 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [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 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $2358.32 |  | 6.750% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | 08/01/2055 | $57751.56 | 10.220% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 11.27 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 543709248 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1393.44 | $1393.44 | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1860.00 | $1046.04 | $155.00 | $87.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/20/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 115.94 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 542018452 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3385.79 | $3385.79 | 8.125% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $14471.64 | $1584.96 | $1205.97 | $132.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/02/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | 08/01/2055 | $252519.77 | 44.300% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 24.59 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 588856566 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16467.50 | $23085.33 |  | 7.474% | $6538.66 | $6538.66 | 7.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17158.85 | 1 | $15975.00 | $3510.96 | $1331.25 | $292.58 |  |  |  |  |  | 35.282% | 35.282% | 35.282% | 06/30/2025 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 47.000% |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 |  |  | Arc | $16467.50 |  | 6.670% | $70000.00 | 1.4 |  |  |  | N/A | No | 7.250% | 2 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | No |  |  |  | 08/01/2055 | $413716.99 | 32.370% | No | 25 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.16 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 561719326 |  |  |  | Non QM |  |  |  | Yes | No | $59995.00 | $65318.42 |  | 7.429% | $17671.88 | $19953.66 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $39920.36 | 1 | $73595.76 | $20112.00 | $6132.98 | $1676.00 |  |  |  |  |  | 42.684% | 39.408% | 42.684% | 06/15/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $59995.00 |  | 6.750% | $25000.00 | 4.2 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  | 360 | 08/01/2065 | $424737.35 | 10.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.24 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 583994427 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $21495.00 | $18367.81 |  | 8.262% | $11285.96 | $11285.96 | 8.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $83886.32 | 1 | $14954.64 | $12542.64 | $1246.22 | $1045.22 |  |  |  |  |  | 29.680% | 29.680% | 29.680% | 04/30/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [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]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ArcHome | $21495.00 |  | 6.670% | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 2 | 0 | 2 | 1 |  |  | 15.00 | No |  |  |  |  |  | Not Stated |  |  |  | 08/01/2055 | $3400000.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 259.93 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 505225330 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1537.15 | $1537.15 | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3952.32 | $1593.96 | $329.36 | $132.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/18/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | 08/01/2055 | $80040.61 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 39.89 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 592946995 |  |  |  | N/A |  |  |  | No | No | $29603.76 |  |  | 7.712% | $6841.45 | $6841.45 | 7.750% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2587.20 | 1 | $5329.68 | $7657.56 | $444.14 | $638.13 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/23/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [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 | Other Documentation (O) | Asset Depletion (Residual Income) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ARCHome | $29603.76 |  | 6.930% | $13300.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 08/01/2055 | $1873869.94 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 190.81 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 541330874 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1790.00 | $2545.62 |  | 7.144% | $8091.36 | $8091.36 | 7.125% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16234.42 | 1 | $31046.16 | $6789.00 | $2587.18 | $565.75 |  |  |  |  |  | 41.178% | 41.178% | 41.178% |  | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Account Transcripts - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Account Transcripts - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Account Transcripts - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1790.00 |  | 6.920% | $7000.00 | 1.1 |  |  |  | N/A | No | 7.125% | 2 | 0 | 1 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 08/01/2055 | $1179426.80 | 65.480% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 49.41 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 552942413 |  |  |  | Non QM |  |  |  | Yes | No | $1659.38 | $4212.02 |  | 6.846% | $1799.86 | $1799.86 | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14379.54 | 1 | $7119.36 | $2018.76 | $593.28 | $168.23 |  |  |  |  |  | 27.799% | 27.799% | 27.799% | 06/11/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [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 | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1659.38 |  | 6.770% | $3500.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $310540.49 | 83.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 70.6 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 587441429 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2290.64 | $2290.64 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $2218.80 | $879.00 | $184.90 | $73.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/03/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 127.74 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 525913155 |  |  |  | Non QM |  |  |  | Yes | No | $7500.00 | $4624.90 |  | 7.721% | $1398.43 | $1398.43 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23976.68 | 1 | $2911.32 | $1841.28 | $242.61 | $153.44 |  |  |  |  |  | 8.977% | 8.977% | 8.977% | 05/25/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 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 |  |  | HomeBridge | $7500.00 |  | 6.790% | $1000.00 | 1.5 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $255113.16 | 60.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.28 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 544457359 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $5778.36 |  | 7.021% | $7318.33 | $7318.33 | 7.000% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16584.57 | 1 | $9321.24 | $2501.04 | $776.77 | $208.42 |  |  |  |  |  | 39.061% | 39.061% | 39.061% | 07/01/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 42.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1640.00 |  | 6.920% | $500.00 | 2.6 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $4640.42 | 0.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.99 | Retail | Yes | No |  | $0.00 | $15833.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 591900382 |  |  |  | Non QM |  |  |  | Yes | No | $8100.00 | $11432.26 |  | 7.393% | $4406.86 | $4406.86 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $46437.74 | 1 | $10944.00 | $2201.16 | $912.00 | $183.43 |  |  |  |  |  | 12.670% | 12.670% | 12.670% | 06/03/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $8100.00 |  | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $10000.00 | 1.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.58 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 508060857 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1918.23 | $1918.23 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $8395.20 | $3489.96 | $699.60 | $290.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/01/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  | 08/01/2055 | $16856.62 | 4.610% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.52 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 578531642 |  |  |  | Non QM |  |  |  | Yes | No | $33608.73 | $13489.15 |  | 7.989% | $6630.03 | $6630.03 | 7.875% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $28310.36 | 1 | $24420.00 | $2847.00 | $2035.00 | $237.25 |  |  |  |  |  | 24.800% | 24.800% | 24.800% | 05/30/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| 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 - \| 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 | [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 |  |  | HomeBridge | $33608.73 |  | 6.880% | $0.00 | 2.6 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $84339.21 | 7.370% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 6.77 | Broker |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 552099984 |  |  |  | Non QM |  |  |  | Yes | No | $1695.00 | $4577.78 |  | 7.909% | $5847.68 | $5847.68 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $35372.74 | 1 | $16815.12 | $8035.32 | $1401.26 | $669.61 |  |  |  |  |  | 40.983% | 40.983% | 40.983% | 05/02/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [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 |  |  | Arc | $1695.00 |  | 6.880% | $0.00 | 2.1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 67.4 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 568445464 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1563.46 | $1563.46 | 7.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5914.44 | $1066.44 | $492.87 | $88.87 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/28/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | First Colony Mortgage |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 103.48 | Broker |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 525627377 |  |  |  | Non QM |  |  |  | Yes | No | $1895.00 | $6309.69 |  | 7.648% | $6738.20 | $6738.20 | 7.625% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $60683.23 | 1 | $15459.60 | $6067.56 | $1288.30 | $505.63 |  |  |  |  |  | 19.492% | 19.492% | 19.492% | 06/12/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 50.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1895.00 |  | 6.880% | $5500.00 | 1.6 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $840133.10 | 70.590% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 70.95 | Retail | No | No |  | $75375.17 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 544199193 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $6188.60 |  | 7.784% | $6877.56 | $6877.56 | 7.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16940.39 | 1 | $4167.00 | $2373.00 | $347.25 | $197.75 |  |  |  |  |  | 46.115% | 46.115% | 46.115% | 06/13/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1640.00 |  | 6.880% | $0.00 | 3.7 |  |  |  | N/A | No | 7.750% | 2 | 2 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $793631.04 | 66.130% | No | 30 | 30 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 68.32 | Retail | Yes | No |  | $512.25 | $18299.36 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 535005728 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4373.50 | $4373.50 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $11372.88 | $909.96 | $947.74 | $75.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/13/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | HomeBridge |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.08 |  |  |  |  |  |  |  | 08/01/2055 | $1800048.05 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 216.7 | Broker |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 518556173 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2285.94 | $2285.94 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4083.12 | $4299.36 | $340.26 | $358.28 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/13/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | First Colony Mortgage |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | 08/01/2055 | $250018.70 | 45.450% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.05 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 553350476 |  |  |  | Non QM |  |  |  | Yes | No | $8200.25 | $10659.92 |  | 8.633% | $2784.14 | $2784.14 | 8.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5115.82 | 1 | $5293.92 | $1413.72 | $441.16 | $117.81 |  |  |  |  |  | 44.744% | 44.744% | 44.744% | 05/19/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020 | [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 |  |  | Arc | $8200.25 |  | 6.890% | $0.00 | 1 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $157350.72 | 38.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.77 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 558320160 |  |  |  | Non QM |  |  |  | Yes | No | $1590.00 | $6488.30 |  | 8.415% | $5624.53 | $5624.53 | 8.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7908.14 | 1 | $9917.76 | $1898.52 | $826.48 | $158.21 |  |  |  |  |  | 49.978% | 49.978% | 49.978% | 05/03/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal, Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 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 |  |  | Cross Country | $1590.00 |  | 6.890% | $0.00 | 1 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $180090.46 | 19.460% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.58 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 529986568 |  |  |  | Non QM |  |  |  | Yes | No | $6490.85 | $12742.15 |  | 7.894% | $3255.85 | $3255.85 | 7.625% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $16230.85 | 1 | $9363.36 | $2691.12 | $780.28 | $224.26 |  |  |  |  |  | 44.862% | 44.862% | 44.862% | 05/27/2025 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $6490.85 |  | 6.790% | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $126130.07 | 21.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 33.76 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 503935125 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2575.68 | $2575.68 | 6.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $10857.12 | $1379.04 | $904.76 | $114.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/07/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | First Colony Mortgage |  |  |  | $0.00 | 3.1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | 08/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 86.69 | Broker |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 564049273 |  |  |  | Non QM |  |  |  | Yes | No | $1695.00 | $11642.78 |  | 7.692% | $3495.72 | $3495.72 | 7.500% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $43364.42 | 1 | $12799.32 | $1074.12 | $1066.61 | $89.51 |  |  |  |  |  | 10.799% | 10.799% | 10.799% | 06/16/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<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 |  |  | New American Funding | $1695.00 |  | 6.890% | $0.00 | 2.1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 08/01/2055 | $3228242.12 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 569.36 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 540968994 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1541.72 | $1541.72 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2655.72 | $1347.96 | $221.31 | $112.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/19/2025 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.97 | 0.51 |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 117.45 | Broker |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 587663736 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2659.10 | $2659.10 | 7.375% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $7529.52 | $1784.04 | $627.46 | $148.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/18/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ARCHome |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 134.61 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 567281950 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9483.20 | $9970.34 |  | 7.409% | $4297.71 | $4297.71 | 7.250% | No | No | Not Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11540.46 | 1 | $4715.88 | $1491.96 | $392.99 | $124.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/16/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (Residual Income) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ARCHome | $9483.20 |  | 6.890% | $6000.00 | 1.6 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 | Not Stated |  |  |  | 08/01/2055 | $1413843.13 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.54 | Retail | Yes | No |  | $20455.17 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 550830686 |  |  |  | Non QM |  |  |  | Yes | No | $8520.48 | $12335.04 |  | 9.101% | $3852.51 | $3852.51 | 8.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $37274.52 | 1 | $2126.28 | $8131.32 | $177.19 | $677.61 |  |  |  |  |  | 30.543% | 30.543% | 30.543% |  | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $8520.48 |  | 6.890% | $0.00 | 1 |  |  |  | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $130371.46 | 24.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 24.33 | Retail | No | No |  | $7807.21 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 594218008 |  |  |  | Non QM |  |  |  | Yes | No | $1695.00 | $6641.71 |  | 7.430% | $5525.40 | $5525.40 | 7.375% | No | No | Non-Employment Income | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9696.50 | 1 | $13902.72 | $6776.04 | $1158.56 | $564.67 |  |  |  |  |  | 43.157% | 43.157% | 43.157% |  | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Pension]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 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]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | New American Funding | $1695.00 |  | 6.890% | $10000.00 | 1.5 |  |  |  | N/A | No | 7.375% | 0 | 0 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $492749.78 | 42.840% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.44 | Retail | No | No |  | $4903.70 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 502119239 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1678.11 | $1678.11 | 7.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1946.76 | $1953.96 | $162.23 | $162.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/19/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Guaranteed Rate |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.55 | 0.65 |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 59.59 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 571292212 |  |  |  | Non QM |  |  |  | Yes | No | $1894.00 | $6090.00 |  | 7.287% | $5116.32 | $5116.32 | 7.250% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $49545.95 | 1 | $20432.40 | $9754.08 | $1702.70 | $812.84 |  |  |  |  |  | 13.833% | 13.833% | 13.833% | 06/10/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | New American Funding | $1894.00 |  | 6.830% | $0.00 | 2.1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 08/01/2055 | $4194359.26 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 507.27 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 599222152 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2033.85 | $2033.85 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $7263.72 | $843.96 | $605.31 | $70.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/12/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | First Colony Mortgage |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | 08/01/2055 | $212407.10 | 41.240% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.28 | Broker |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 519014390 |  |  |  | Non QM |  |  |  | Yes | No | $16862.32 | $20087.05 |  | 7.089% | $3450.54 | $3450.54 | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $61141.81 | 1 | $1719.12 | $1749.00 | $143.26 | $145.75 |  |  |  |  |  | 17.615% | 17.615% | 17.615% | 06/17/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 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 |  |  | New American Funding | $16862.32 |  | 6.830% | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 52.94 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 580378713 |  |  |  | Non QM |  |  |  | Yes | No | $1419.00 | $11385.02 |  | 7.656% | $10248.85 | $10248.85 | 7.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $26264.97 | 1 | $22758.72 | $5355.00 | $1896.56 | $446.25 |  |  |  |  |  | 35.899% | 35.899% | 35.899% |  | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [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<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 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 |  |  | New American Funding | $1419.00 |  | 6.830% | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 2 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $390175.92 | 21.550% | No | 26 | 2 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 16.44 | Retail | Yes | No |  | $0.00 | $18750.01 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 568520668 |  |  |  | Non QM |  |  |  | Yes | No | $1655.00 | $0.00 |  | 7.588% | $2491.43 | $2491.43 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6941.12 | 1 | $2466.48 | $1874.04 | $205.54 | $156.17 |  |  |  |  |  | 40.144% | 40.144% | 40.144% | 06/04/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1655.00 |  | 6.830% | $15000.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $118217.98 | 26.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.47 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 578582204 |  |  |  | Non QM |  |  |  | Yes | No | $1695.00 | $9049.89 |  | 7.554% | $6992.15 | $6992.15 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14811.25 | 1 | $15624.96 | $6179.04 | $1302.08 | $514.92 |  |  |  |  |  | 45.425% | 45.425% | 45.425% | 06/17/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1695.00 |  | 6.830% | $12176.50 | 2.9 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $0.00 | 0.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.6 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 506962099 |  |  |  | Non QM |  |  |  | Yes | No | $5988.20 | $2570.97 |  | 7.422% | $2735.07 | $2735.07 | 7.375% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6107.99 | 1 | $3439.80 | $1817.04 | $286.65 | $151.42 |  |  |  |  |  | 49.752% | 49.752% | 49.752% | 04/21/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| 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]; 4506-C - 2020<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<br> [Coborrower]; 4506-C - 2020 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $5988.20 |  | 6.830% | $20000.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 5 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $208307.46 | 42.080% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 19.55 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 516557177 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1780.77 | $1780.77 | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3837.48 | $2355.00 | $319.79 | $196.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/16/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.39 | 0.42 |  |  |  |  |  |  |  | 08/01/2055 | $95789.19 | 31.200% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.21 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 557451132 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1232.23 | $1232.23 | 7.750% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $4291.44 | $1284.96 | $357.62 | $107.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/04/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 08/01/2055 | $80749.63 | 35.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.04 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 500947140 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $24665.00 | $5151.87 |  | 8.039% | $6163.62 | $6163.62 | 8.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $28305.45 | 1 | $19118.04 | $2913.36 | $1593.17 | $242.78 |  |  |  |  |  | 27.559% | 27.559% | 27.559% | 06/25/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 |  |  | First Colony Mortgage Corporation | $24665.00 |  | 6.670% | $6500.00 | 1.8 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | 08/01/2055 | $246030.81 | 23.430% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 33.11 | Broker | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 536611750 |  |  |  | Non QM |  |  |  | Yes | No | $2663.00 | $4636.14 |  | 7.822% | $3152.21 | $3152.21 | 7.750% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $44135.95 | 1 | $3693.60 | $1939.56 | $307.80 | $161.63 |  |  |  |  |  | 9.549% | 9.549% | 9.549% | 06/24/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $2663.00 |  | 6.830% | $0.00 | 1.1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $5500.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 15.87 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 581173070 |  |  |  | Non QM |  |  |  | Yes | No | $1695.00 | $5961.33 |  | 7.569% | $3216.39 | $3216.39 | 7.500% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10827.67 | 1 | $13235.76 | $6813.84 | $1102.98 | $567.82 |  |  |  |  |  | 43.186% | 43.186% | 43.186% | 05/28/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 71.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2015<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2023 | [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 |  |  | New American Funding | $1695.00 |  | 6.830% | $134013.20 | 1 |  |  |  | N/A | No | 7.500% | 0 | 2 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $26691.55 | 4.580% | No |  | 29 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.92 | Retail | Yes | No |  | $0.00 | $5552.19 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 581254239 |  |  |  | Non QM |  |  |  | Yes | No | $15172.25 | $16165.31 |  | 8.717% | $5190.17 | $5190.17 | 8.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $42476.56 | 1 | $5854.68 | $2102.04 | $487.89 | $175.17 |  |  |  |  |  | 27.639% | 27.639% | 27.639% | 06/10/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 |  |  | Arc | $15172.25 |  | 6.670% | $11100.00 | 4.3 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $388135.69 | 51.750% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 50.77 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 578971603 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1704.37 | $1704.37 | 7.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4249.44 | $794.04 | $354.12 | $66.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/27/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | First Colony Mortgage |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | 08/01/2055 | $104074.34 | 34.570% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 16.64 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 591604625 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4803.61 | $4803.61 | 7.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $6783.84 | $3793.92 | $565.32 | $316.16 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/16/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 3.4 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  |  | 08/01/2055 | $42482.52 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 7.25 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 570879052 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $5439.96 |  | 7.405% | $6077.94 | $6077.94 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19411.02 | 1 | $35231.88 | $3435.00 | $2935.99 | $286.25 |  |  |  |  |  | 36.834% | 36.834% | 36.834% | 06/09/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 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 |  |  | Guaranteed Rate | $1640.00 |  | 6.830% | $0.00 | 5 |  |  |  | N/A | No | 7.375% | 2 |  | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 08/01/2055 | $315221.80 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 33.89 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 593770459 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1790.00 | $5836.00 |  | 7.518% | $8810.10 | $8810.10 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $155705.47 | 1 | $10644.24 | $5375.64 | $887.02 | $447.97 |  |  |  |  |  | 10.412% | 10.412% | 10.412% | 05/22/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1790.00 |  | 6.830% | $13840.00 | 3.6 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 08/01/2055 | $323691.99 | 20.550% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.31 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 527471610 |  |  |  | Non QM |  |  |  | Yes | No | $1590.00 | $5761.95 |  | 7.646% | $8139.63 | $8139.63 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $28791.17 | 1 | $10260.84 | $1862.04 | $855.07 | $155.17 |  |  |  |  |  | 29.360% | 29.360% | 29.360% | 06/27/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1590.00 |  | 6.830% | $0.00 | 2.7 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $47302.79 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.22 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 553047933 |  |  |  | Non QM |  |  |  | Yes | No | $1695.00 | $5695.62 |  | 7.788% | $5731.30 | $5731.30 | 7.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18179.59 | 1 | $7434.24 | $990.00 | $619.52 | $82.50 |  |  |  |  |  | 37.592% | 37.592% | 37.592% | 05/24/2025 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% | 25.000% | 25.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2023<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 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]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1695.00 |  | 6.830% | $0.00 | 2.1 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $95654.49 | 9.560% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.65 | Retail |  | No |  | $14565.12 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 548552933 |  |  |  | Non QM |  |  |  | Yes | No | $3040.00 | $5565.42 |  | 7.809% | $4585.04 | $4585.04 | 7.750% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $10767.97 | 1 | $10469.40 | $4658.64 | $872.45 | $388.22 |  |  |  |  |  | 44.839% | 44.839% | 44.839% | 05/06/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $3040.00 |  | 6.670% | $5780.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $357160.00 | 44.640% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 32.34 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 544277298 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2080.64 | $2080.64 | 7.250% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $7572.60 | $1709.04 | $631.05 | $142.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/01/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.96 | 1.04 |  |  |  |  |  |  |  | 08/01/2055 | $766402.87 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 128.2 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 567280782 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2693.63 | $2693.63 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6151.80 | $2299.68 | $512.65 | $191.64 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/19/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 08/01/2055 | $173542.41 | 33.370% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.57 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 533751749 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3010.12 | $3010.12 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $12188.16 | $1629.96 | $1015.68 | $135.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/27/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.77 | 1.29 |  |  |  |  |  |  |  | 08/01/2055 | $1020726.43 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 174.08 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 523655082 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1748.04 | $1748.04 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2043.12 | $635.04 | $170.26 | $52.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/17/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | First Colony Mortgage |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 118.39 | Broker |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 502236692 |  |  |  | Non QM |  |  |  | Yes | No | $7887.44 | $4338.64 |  | 7.370% | $1122.42 | $1122.42 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3285.48 | 1 | $2593.92 | $2139.96 | $216.16 | $178.33 |  |  |  |  |  | 32.347% | 32.347% | 32.347% | 06/20/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 4506-C (for Business) - 2024<br> [Borrower - \| 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 - \| 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | HomeBridge | $7887.44 |  | 6.770% | $9770.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $83482.92 | 35.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.36 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 586796272 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2275.88 | $2275.88 | 6.750% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $6293.76 | $2908.08 | $524.48 | $242.34 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/04/2025 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | First Colony Mortgage |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  | 240 | 08/01/2055 | $435643.12 | 75.370% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 59.67 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 555639031 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1620.25 | $4979.75 |  | 7.637% | $2153.58 | $2153.58 | 7.500% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5085.23 | 1 | $6343.44 | $2406.84 | $528.62 | $200.57 |  |  |  |  |  | 49.919% | 49.919% | 49.919% | 06/30/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2023 | [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 - 2023 | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1620.25 |  | 6.770% | $0.00 | 1.8 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 08/01/2055 | $110224.91 | 28.620% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.59 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 548036989 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4626.42 | $4626.42 | 6.875% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $11325.48 | $4573.68 | $943.79 | $381.14 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/23/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.85 | 0.54 |  |  |  |  |  |  |  | 08/01/2055 | $339198.26 | 36.120% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 14.22 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 512837083 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $4246.61 |  | 6.938% | $2906.45 | $2906.45 | 6.875% | No | No | Not Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27546.27 | 1 | $13452.00 | $1917.00 | $1121.00 | $159.75 |  |  |  |  |  | 25.935% | 25.935% | 25.935% | 04/22/2025 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [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> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1640.00 |  | 6.670% | $0.00 | 2.4 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | 08/01/2055 | $3746393.56 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 728.97 | Retail | No | No |  | $37192.15 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 560012469 |  |  |  | Non QM |  |  |  | Yes | No | $1944.92 | $4760.22 |  | 7.442% | $3190.92 | $3190.92 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8570.01 | 1 | $8513.76 | $1239.96 | $709.48 | $103.33 |  |  |  |  |  | 32.841% | 32.841% | 32.841% | 05/20/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1944.92 |  | 6.670% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $220661.80 | 36.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.39 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 553943293 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1087.60 | $1087.60 | 7.875% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $5438.88 | $1987.08 | $453.24 | $165.59 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/04/2025 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | First Colony Mortgage |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | 08/01/2055 | $267450.18 | 72.280% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 513124999 |  |  |  | Non QM |  |  |  | Yes | No | $12004.00 | $17497.68 |  | 7.942% | $5767.12 | $5767.12 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9040.50 | 1 | $8509.80 | $878.04 | $709.15 | $73.17 |  |  |  |  |  | 48.811% | 48.811% | 48.811% | 06/20/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| 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 - \| 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 - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| 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 - \| 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 - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $12004.00 |  | 6.770% | $0.00 | 2.2 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.56 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 587223793 |  |  |  | Non QM |  |  |  | Yes | No | $9844.00 | $12295.58 |  | 7.924% | $2097.64 | $2097.64 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22059.10 | 1 | $6724.80 | $934.32 | $560.40 | $77.86 |  |  |  |  |  | 11.213% | 11.213% | 11.213% | 06/18/2025 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $9844.00 |  | 6.770% | $0.00 | 1.7 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 103.79 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 522907058 |  |  |  | Non QM |  |  |  | Yes | No | $13017.00 | $25293.31 |  | 7.997% | $4518.56 | $4518.56 | 7.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13930.44 | 1 | $9625.68 | $1476.00 | $802.14 | $123.00 |  |  |  |  |  | 35.158% | 35.158% | 35.158% | 04/24/2025 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; 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 |  |  | Arc | $13017.00 |  | 6.770% | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 08/01/2055 | $250796.73 | 31.420% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.43 | Retail |  | No |  | $10741.83 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 501913005 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $1764.14 |  | 6.994% | $5156.09 | $5156.09 | 7.000% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9890.45 | 1 | $15024.48 | $1750.20 | $1252.04 | $145.85 |  |  |  |  |  | 47.438% | 47.438% | 47.438% | 06/17/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Primary Income - Pension]; Deposit Receipt - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Deposit Receipt - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [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]; 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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1640.00 |  | 6.670% | $55000.00 | 1.2 |  |  |  | N/A | No | 7.000% | 0 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $1667769.92 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 151.56 | Retail | Yes | No |  | $6729.56 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 564534521 |  |  |  | Non QM |  |  |  | Yes | No | $5856.00 | $5496.40 |  | 8.064% | $1910.56 | $1910.56 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3280.44 | 1 | $4787.76 | $1076.88 | $398.98 | $89.74 |  |  |  |  |  | 43.739% | 43.739% | 43.739% | 06/30/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $5856.00 |  | 6.770% | $56000.00 | 1.2 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $20919.20 | 6.740% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.11 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 592139961 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2382.31 | $2382.31 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6999.96 | $873.96 | $583.33 | $72.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/16/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Guaranteed Rate |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | 08/01/2055 | $173733.30 | 37.770% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.85 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 558289879 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $6685.00 | $9596.75 |  | 8.592% | $3034.21 | $3034.21 | 8.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18227.16 | 1 | $4849.92 | $1659.96 | $404.16 | $138.33 |  |  |  |  |  | 28.675% | 28.675% | 28.675% | 05/23/2025 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 21.500% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 21.50% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 21.50% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 21.50% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 21.50% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 21.50% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 21.50% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 21.50% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 21.50% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 21.50% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 21.50% \| Expense Ratio: 60.00000% \| 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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $6685.00 |  | 6.770% | $0.00 | 1 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 08/01/2055 | $334203.39 | 66.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 60.38 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 519308693 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $6224.29 | $6224.29 | 6.500% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $5178.00 | $2001.00 | $431.50 | $166.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/10/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | First Colony Mortgage |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.69 |  |  |  |  |  |  |  | 08/01/2055 | $659269.00 | 42.940% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 7.1 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 569547780 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2007.58 | $2007.58 | 8.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6328.80 | $1958.04 | $527.40 | $163.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/24/2025 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 08/01/2055 | $292086.84 | 85.400% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 72.52 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 514040631 |  |  |  | Non QM |  |  |  | Yes | No | $10349.00 | $16750.73 |  | 7.246% | $5343.75 | $6063.47 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12904.59 | 1 | $10682.40 | $2037.84 | $890.20 | $169.82 |  |  |  |  |  | 39.467% | 36.090% | 39.467% | 06/20/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2018 | [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 |  |  | Arc | $10349.00 |  | 6.830% | $0.00 | 1.6 |  |  |  | N/A | No | 7.125% | 1 |  | 1 | 0 | 2 | 1 |  |  | 5.97 | No |  |  |  |  |  |  |  |  | 360 | 09/01/2065 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 35.35 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 579060590 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2686.55 | $2686.55 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6418.20 | $555.00 | $534.85 | $46.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/05/2025 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Cross Country |  |  |  | $0.00 | 4 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.53 | 0.65 |  |  |  |  |  |  |  | 08/01/2055 | $825.00 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.08 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 511317210 |  |  |  | Non QM |  |  |  | Yes | No | $6750.00 | $13586.57 |  | 7.804% | $10746.18 | $10746.18 | 7.750% | No | Yes | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29364.04 | 1 | $10664.64 | $7080.00 | $888.72 | $590.00 |  |  |  |  |  | 38.330% | 38.330% | 38.330% | 06/12/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 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 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | New American Funding | $6750.00 |  | 6.670% | $0.00 | 4.2 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 08/01/2055 | $2775857.14 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 199.85 | Retail | Yes | No |  | $2329.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 595314167 |  |  |  | Non QM |  |  |  | Yes | No | $4204.82 | $10486.43 |  | 8.281% | $2443.16 | $2443.16 | 8.000% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $7834.17 | 1 | $8080.08 | $2411.88 | $673.34 | $200.99 |  |  |  |  |  | 38.093% | 38.093% | 38.093% | 06/06/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $4204.82 |  | 6.830% | $39300.00 | 1 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $12446.32 | 3.360% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 8.27 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 509532759 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1432.82 | $1432.82 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $14874.24 | $3350.04 | $1239.52 | $279.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/30/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.9 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.69 | 0.59 |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 60.95 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 583041720 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1684.30 | $1684.30 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2070.48 | $923.04 | $172.54 | $76.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/29/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 118.48 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 518201948 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1415.59 | $1415.59 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2847.12 | $409.20 | $237.26 | $34.10 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/18/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 08/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 84.74 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 571272653 |  |  |  | Non QM |  |  |  | Yes | No | $2933.75 | $4093.65 |  | 7.590% | $1191.41 | $1191.41 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5077.69 | 1 | $3456.72 | $2394.00 | $288.06 | $199.50 |  |  |  |  |  | 34.823% | 34.823% | 34.823% | 07/01/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $2933.75 |  | 6.670% | $0.00 | 2.6 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 4 | 0 |  |  | 5.97 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $142378.74 | 61.900% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.39 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 592404353 |  |  |  | Non QM |  |  |  | Yes | No | $5221.50 | $7571.58 |  | 8.767% | $3636.17 | $3636.17 | 8.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8711.47 | 1 | $2031.72 | $2113.44 | $169.31 | $176.12 |  |  |  |  |  | 35.453% | 35.453% | 35.453% | 06/18/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 84.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; Other - 2025<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2024<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2024 | [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 |  |  | Arc | $5221.50 |  | 6.670% | $0.00 | 1 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $437440.80 | 79.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 110.62 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 530224622 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2533.18 | $2533.18 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5531.16 | $3540.00 | $460.93 | $295.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/24/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.8 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.5 | 0.67 |  |  |  |  |  |  |  | 08/01/2055 | $121644.98 | 25.880% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.37 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 578993739 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1911.04 | $1911.04 | 7.625% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $3269.88 | $2726.04 | $272.49 | $227.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/25/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.2 |  |  |  |  |  |  |  | 08/01/2055 | $128658.19 | 35.730% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.1 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 541396386 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1604.70 | $1604.70 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6064.32 | $759.00 | $505.36 | $63.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/13/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.96 |  |  |  |  |  |  |  | 08/01/2055 | $818470.18 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 310.1 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 514561553 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2811.22 | $2811.22 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | $3967.92 | $1911.96 | $330.66 | $159.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/20/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | First Colony Mortgage |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 |  |  |  |  |  |  |  | 06/01/2055 | $229643.94 | 42.310% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.18 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 544146114 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2564.98 | $2564.98 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $9088.20 | $2163.96 | $757.35 | $180.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/08/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | First Colony Mortgage |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 42.77 | Broker |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 558447395 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1547.01 | $1547.01 | 7.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4414.68 | $1055.04 | $367.89 | $87.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/13/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 09/01/2055 | $66173.49 | 22.430% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.8 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 504578973 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3876.37 | $3876.37 | 8.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $9431.16 | $2043.24 | $785.93 | $170.27 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/21/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 07/01/2055 | $699367.20 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 105.4 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 504666911 |  |  |  | Non QM |  |  |  | Yes | No | $39107.00 | $17144.22 |  | 7.458% | $12973.64 | $12973.64 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $72683.83 | 1 | $8514.84 | $3219.96 | $709.57 | $268.33 |  |  |  |  |  | 25.239% | 25.239% | 25.239% | 04/07/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $39107.00 |  | 6.930% | $25000.00 | 3.4 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $379669.57 | 16.160% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.36 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 503202051 |  |  |  | N/A |  |  |  | No | No | $0.00 |  |  | 8.487% | $1038.03 | $1038.03 | 8.500% | No | No | Not Employed | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | $71497.93 | 1 | $615.96 | $1234.44 | $51.33 | $102.87 |  |  |  |  |  | 13.558% | 13.558% | 13.558% | 04/18/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| 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) - \| 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) - \| 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) - \| 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) - \| 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) - \| 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) - \| 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> [Coborrower(s) - \| 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 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMG |  |  | 6.920% | $0.00 | 1 |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $4000.00 | 2.050% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 40.52 | Retail | No | No |  | $82712.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |

---

## Exhibit 99.6

[GCAT Depositor V LLC ABS-15G](gcat-abs15g.htm)

**Exhibit 99.6**

**Data Compare (Non-Ignored)**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
|  | 597365656 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 599313255 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 528539672 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 528539672 |  |  |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
|  | 569348326 |  |  |  |  | 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 |
|  | 535624946 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 593514662 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 538376321 |  |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Home Improvement | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | 570530921 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 506280036 |  |  |  |  | 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 |
|  | 513388860 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 513388860 |  |  |  |  | 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 |
|  | 501413393 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 506047216 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 582177576 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 525996161 |  |  |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
|  | 503086745 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 503086745 |  |  |  |  | Representative FICO | 661 | 665 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 503086745 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 541825377 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 505962011 |  |  |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
|  | 545034098 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 545034098 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
|  | 505698494 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Refinance |
|  | 505698494 |  |  |  |  | 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 |
|  | 575677643 |  |  |  |  | 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 |
|  | 582567071 |  |  |  |  | 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 |
|  | 523403763 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | n/a - refinance |
|  | 502785164 |  |  |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
|  | 581791943 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 584257721 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 584257721 |  |  |  |  | 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 |
|  | 549214039 |  |  |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
|  | 566485391 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Subject Property is Refinance- Cash Out. |
|  | 568959556 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 529924980 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 529924980 |  |  |  |  | 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 |
|  | 577001477 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 559118544 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 513727705 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Refinance |
|  | 513727705 |  |  |  |  | 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 |
|  | 536671056 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Loan is a refinance; no original sales price available. |
|  | 536671056 |  |  |  |  | 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 |
|  | 516673917 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 502760453 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Refinance |
|  | 586465197 |  |  |  |  | Representative FICO | 752 | 741 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 586465197 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The subject loan is a cash-out refinance. |
|  | 586465197 |  |  |  |  | Originator Loan Designation | Non QM | N/A | Verified | Field value reflects source document |
|  | 510127824 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 591897819 |  |  |  |  | Representative FICO | 688 | 673 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 580189631 |  |  |  |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
|  | 594362850 |  |  |  |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
|  | 564984100 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 589482142 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The subject transaction is a refinance. |
|  | 537733325 |  |  |  |  | Purpose | UTD | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
|  | 537733325 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Refinance |
|  | 537733325 |  |  |  |  | Refi Purpose | UTD | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | 526078841 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 596411007 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Refinance |
|  | 596411007 |  |  |  |  | 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 |
|  | 586722707 |  |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Debt consolidation plus cash to borrower. |
|  | 566070134 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 517153442 |  |  |  |  | Representative FICO | 726 | 728 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 517153442 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
|  | 520701673 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Refinance |
|  | 565143912 |  |  |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Property purchased on [redacted] and using purchase price to determine LTV on this transaction. |
|  | 588530139 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 521889068 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 521889068 |  |  |  |  | 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 |
|  | 599524552 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 504667687 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Refinance |
|  | 542494620 |  |  |  |  | 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 |
|  | 545731737 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Refinance |
|  | 500408726 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 500408726 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 500408726 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 500408726 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 500408726 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 569296880 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 569296880 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 569296880 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 569296880 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 569296880 |  |  |  |  | Maturity Date |  | 2055-05-01 | Verified | Field Value reflects Maturity Date per the Note |
|  | 569296880 |  |  |  |  | Original P&I | 8790.00 | 7016.00 | Verified | Field Value reflects Note value |
|  | 569296880 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 569296880 |  |  |  |  | Doc Type | Reduced | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
|  | 569296880 |  |  |  |  | Appraisal Effective Date |  | [redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 569296880 |  |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 569296880 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 569296880 |  |  |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 569296880 |  |  |  |  | Cash From Borrower |  | 16902.87 | Verified | Field value reflects source document |
|  | 569296880 |  |  |  |  | Total Income |  | 41922.92 | Verified | Field value reflects source document |
|  | 569296880 |  |  |  |  | Original HLTV |  | 80 | Verified | Field value reflects source document |
|  | 569296880 |  |  |  |  | PITIA Reserves Months | 6.00 | 49.91 | Verified | Field value reflects source document |
|  | 569296880 |  |  |  |  | Universal Loan Identifier (ULI) |  | [redacted] | Verified | Field value reflects source document |
|  | 569296880 |  |  |  |  | Last Property Transfer Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 569296880 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 502185289 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 502185289 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 502185289 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 502185289 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 502185289 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 502185289 |  |  |  |  | Maturity Date |  | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 502185289 |  |  |  |  | Original P&I | 3618.00 | 10164.36 | Verified | Field Value reflects Note value |
|  | 502185289 |  |  |  |  | Property Type |  | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 502185289 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 502185289 |  |  |  |  | Doc Type |  | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
|  | 502185289 |  |  |  |  | Cash To Borrower | [redacted] | [redacted] | Verified | Field value reflects source document |
|  | 502185289 |  |  |  |  | Appraisal Effective Date |  | [redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 502185289 |  |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 502185289 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 502185289 |  |  |  |  | Total Income |  | 404637.26 | Verified | Field value reflects source document |
|  | 502185289 |  |  |  |  | Original HLTV |  | 70 | Verified | Field value reflects source document |
|  | 502185289 |  |  |  |  | PITIA Reserves Months | 6.00 | 42.32 | Verified | Field value reflects source document |
|  | 502185289 |  |  |  |  | Borrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
|  | 502185289 |  |  |  |  | Universal Loan Identifier (ULI) |  | [redacted] | Verified | Field value reflects source document |
|  | 502185289 |  |  |  |  | Loan Property Count | 3 | 1 | Verified | Field value reflects source document |
|  | 502185289 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 502185289 |  |  |  |  | Borrower EIN | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 582953880 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 558961368 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 558961368 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 558961368 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 558961368 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 558961368 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 513442271 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 513442271 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 513442271 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 513442271 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 513442271 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 513442271 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 597710535 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 597710535 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 597710535 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 597710535 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 597710535 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 597710535 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 597710535 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 35.528 | 40.96708 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 597710535 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 540123312 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 540123312 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 540123312 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 540123312 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 540123312 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 43.439 | 47.09781 | Verified | Unable to determine reason for variance |
|  | 540123312 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 514517098 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 514517098 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 514517098 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 514517098 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 514517098 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 558947007 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 558947007 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 558947007 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 558947007 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 558947007 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 560755098 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 560755098 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 560755098 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 560755098 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 560755098 |  |  |  |  | Representative FICO | 793 | 807 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 560755098 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 560755098 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 560755098 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 560755098 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.02 | 1.03 | Verified | Field value reflects source document |
|  | 548267582 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 548267582 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 548267582 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 548267582 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 548267582 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 548267582 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 548267582 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.08 | 1.09 | Verified | Field value reflects source document |
|  | 581942642 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.96 | 0.97 | Verified | Field value reflects source document |
|  | 571232357 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 571232357 |  |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 518069981 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 518069981 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 518069981 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.28 | 1.29 | Verified | Field value reflects source document |
|  | 502071425 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 561636061 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 567843286 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 567843286 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 567843286 |  |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 560075879 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.16 | 1.17 | Verified | Field value reflects source document |
|  | 589144206 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 589144206 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 507876836 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 507876836 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 507876836 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.78 | 0.79 | Verified | Field value reflects source document |
|  | 573787326 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 573787326 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 573787326 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.83 | 0.84 | Verified | Field value reflects source document |
|  | 575748818 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 554909758 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 554909758 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 554909758 |  |  |  |  | Property Type | Single Family | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 500218991 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 536378197 |  |  |  |  | Representative FICO | 771 | 701 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 553582220 |  |  |  |  | Property Type | Single Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 553582220 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 553582220 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.19 | 1.21 | Verified | Field value reflects source document |
|  | 580142449 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.25 | 1.26 | Verified | Field value reflects source document |
|  | 520139403 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 520139403 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 564348317 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 47.415 | 42.35522 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 561043919 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 561043919 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.46 | 1.47 | Verified | Field value reflects source document |
|  | 587210829 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.03 | 1.04 | Verified | Field value reflects source document |
|  | 578315185 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 578315185 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 578315185 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 578315185 |  |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 578315185 |  |  |  |  | Coborrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 578315185 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 578315185 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.21 | 1.22 | Verified | Field value reflects source document |
|  | 569456494 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 569456494 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 569456494 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 569456494 |  |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 569456494 |  |  |  |  | Coborrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 569456494 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 569456494 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.68 | 1.69 | Verified | Field value reflects source document |
|  | 504566496 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.37 | 1.38 | Verified | Field value reflects source document |
|  | 589997732 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 42.487 | 40.07787 | Verified | Payoff 30 Day AMEX with reserves |
|  | 522657070 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 583744884 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 583744884 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 583744884 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 583744884 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.02 | Verified | Field value reflects source document |
|  | 584662164 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 541155206 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 541155206 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 541155206 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.29 | 1.23 | Verified | Field value reflects source document |
|  | 519590641 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 519590641 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.12 | 1.13 | Verified | Field value reflects source document |
|  | 504349710 |  |  |  |  | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Client changed to cash out |
|  | 530093741 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 530093741 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 530093741 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 530093741 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 530093741 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 530093741 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 595357751 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 595357751 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 595357751 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 595357751 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 595357751 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 595357751 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 585630452 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 585630452 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 585630452 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 585630452 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 585630452 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 585630452 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 585630452 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 32.41 | 29.93173 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
|  | 585630452 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 532220606 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 532220606 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 532220606 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 532220606 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 532220606 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 532220606 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 532220606 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 504470407 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 504470407 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 504470407 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 504470407 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 504470407 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 504470407 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 547686498 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 547686498 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 547686498 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 547686498 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 547686498 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 547686498 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 552974262 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 552974262 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 552974262 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 552974262 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 552974262 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 552974262 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 567462621 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 567462621 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 567462621 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 567462621 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 567462621 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 567462621 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 567462621 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 588063817 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 588063817 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 588063817 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 588063817 |  |  |  |  | Representative FICO | 761 | 766 |  |  |
|  | 588063817 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 588063817 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 588063817 |  |  |  |  | Original CLTV | 82.067 | 80 | Verified | Tape Value is rounded and within less than 1% of actual calculated CLTV |
|  | 588063817 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 594886283 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 594886283 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 594886283 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 594886283 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 594886283 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 594886283 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 559045194 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 559045194 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 559045194 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 559045194 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 559045194 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 559045194 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 562407052 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 562407052 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 562407052 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 562407052 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 562407052 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 562407052 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 501442923 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 501442923 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 501442923 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 501442923 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 501442923 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 501442923 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 544809199 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 544809199 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 544809199 |  |  |  |  | Original Interest Rate | 7.75 | 7.625 | Verified | Field Value reflects the Note value |
|  | 544809199 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 544809199 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 544809199 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 501999874 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 501999874 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 501999874 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 501999874 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 501999874 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 591602605 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 591602605 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 591602605 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 591602605 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 591602605 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 591602605 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 578777160 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 578777160 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 578777160 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 578777160 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 578777160 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 578777160 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 59.128 | 49.92072 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 578777160 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 518375301 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 518375301 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 518375301 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 518375301 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 518375301 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 518375301 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 518375301 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 534222983 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 38.585 | 44.33193 | Verified | Variance due to expense ratio used for Business |
|  | 535823393 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 535823393 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 535823393 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 535823393 |  |  |  |  | Representative FICO | 651 | 679 |  |  |
|  | 535823393 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 535823393 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 535823393 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 523101806 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 523101806 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 523101806 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 523101806 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 523101806 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 563956723 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 563956723 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 563956723 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 563956723 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 563956723 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 563956723 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 546300618 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 546300618 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 546300618 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 546300618 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 546300618 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 546300618 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 524462099 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 524462099 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 524462099 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 524462099 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 524462099 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 524462099 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 517539180 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 517539180 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 517539180 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 517539180 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 517539180 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 517539180 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 517539180 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 508807828 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 508807828 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 508807828 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 508807828 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 508807828 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 508807828 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 538603561 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 538603561 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 538603561 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 538603561 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 538603561 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 538603561 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 544921811 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 544921811 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 544921811 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 544921811 |  |  |  |  | Representative FICO | 796 | 801 |  |  |
|  | 544921811 |  |  |  |  | Lien Position |  | 1 | Verified | Unable to verify due to missing information |
|  | 544921811 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 544921811 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 511311032 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 511311032 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 511311032 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 511311032 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 511311032 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 511311032 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 539048321 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 539048321 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 539048321 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 539048321 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 539048321 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 539048321 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 539048321 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 555250631 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 555250631 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 555250631 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 555250631 |  |  |  |  | Representative FICO | 723 | 765 |  |  |
|  | 555250631 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 555250631 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 555250631 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 592851231 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 592851231 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 592851231 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 592851231 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 592851231 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 592851231 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 569419312 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 569419312 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 569419312 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 569419312 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 569419312 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 569419312 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 550037429 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 550037429 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 550037429 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 550037429 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 550037429 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 550037429 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 592876542 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 592876542 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 592876542 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 592876542 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 592876542 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 557856058 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 557856058 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 557856058 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 557856058 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 557856058 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 557856058 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 570643383 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 570643383 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 570643383 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 570643383 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 570643383 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 31.416 | 33.51055 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 570643383 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 598617515 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 598617515 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 598617515 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 598617515 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 598617515 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 563266988 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 563266988 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 563266988 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 563266988 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 563266988 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 563266988 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 563266988 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 563266988 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.22 | Verified | Field value reflects source document |
|  | 555162165 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 555162165 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 555162165 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 555162165 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 555162165 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 555162165 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 555162165 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 555162165 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.02 | Verified | Field value reflects source document |
|  | 537099168 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 537099168 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 537099168 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 537099168 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 537099168 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 537099168 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 537099168 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 24.722 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 537099168 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 537099168 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.08 | 1.04 | Verified | Field value reflects source document |
|  | 559219952 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 559219952 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 559219952 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 559219952 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 559219952 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 559219952 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 532331372 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 532331372 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 532331372 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 532331372 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 532331372 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 532331372 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 575177923 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 575177923 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 575177923 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 575177923 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 575177923 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 575177923 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 575177923 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.86 | 0.85 | Verified | Field value reflects source document |
|  | 552370696 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 552370696 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 552370696 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 552370696 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 552370696 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 552370696 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 591.872 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 552370696 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 552370696 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.02 | Verified | Field value reflects source document |
|  | 513553170 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 513553170 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 513553170 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 513553170 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 513553170 |  |  |  |  | Lien Position |  | 1 | Verified | Unable to verify due to missing information |
|  | 513553170 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 513553170 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.22 | 1.11 | Verified | Field value reflects source document |
|  | 562077871 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 562077871 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 562077871 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 562077871 |  |  |  |  | Representative FICO | 769 | 780 |  |  |
|  | 562077871 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 562077871 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 562077871 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 562077871 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.26 | Verified | Field value reflects source document |
|  | 532826494 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 532826494 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 532826494 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 532826494 |  |  |  |  | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 532826494 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 532826494 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 532826494 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 532826494 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 532826494 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.85 | 0.87 | Verified | Field value reflects source document |
|  | 520680515 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 520680515 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 520680515 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 520680515 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 520680515 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 520680515 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 520680515 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 520680515 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 520680515 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.12 | 1.14 | Verified | Field value reflects source document |
|  | 520800425 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 520800425 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 520800425 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 520800425 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 520800425 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 520800425 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 520800425 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.13 | 1.19 | Verified | Field value reflects source document |
|  | 594343054 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 594343054 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 594343054 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 594343054 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 594343054 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 594343054 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 594343054 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.28 | 1.16 | Verified | Field value reflects source document |
|  | 519228870 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 519228870 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 519228870 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 519228870 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 519228870 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 519228870 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 519228870 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.20 | 1.13 | Verified | Field value reflects source document |
|  | 530753030 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 530753030 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 530753030 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 530753030 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 530753030 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 530753030 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 530753030 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.11 | 1.09 | Verified | Field value reflects source document |
|  | 556783202 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 556783202 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 556783202 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 556783202 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 556783202 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 556783202 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 556783202 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.28 | 1.15 | Verified | Field value reflects source document |
|  | 554332862 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 554332862 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 554332862 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 554332862 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 554332862 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 554332862 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 528666507 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 528666507 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 528666507 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 528666507 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 528666507 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 528666507 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 528666507 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.33 | 1.34 | Verified | Field value reflects source document |
|  | 587754038 |  |  |  |  | Original Term |  | 360 | Verified | Tape Value reflects the Modification value |
|  | 587754038 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 587754038 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 587754038 |  |  |  |  | Property Type | Single Family Detached | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 587754038 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 587754038 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 587754038 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 647.971 |  | Verified | DSCR File |
|  | 587754038 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 525591331 |  |  |  |  | Original Term |  | 180 | Verified | Field Value reflects the Note value |
|  | 525591331 |  |  |  |  | Amortization Term |  | 180 | Verified | Field Value reflects Amortization Term per Note |
|  | 525591331 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 525591331 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 525591331 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 525591331 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 525591331 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.05 | 1.06 | Verified | Field value reflects source document |
|  | 576398899 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 576398899 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 576398899 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 576398899 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 576398899 |  |  |  |  | Property Type | Single Family Detached | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 576398899 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 576398899 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 576398899 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 576398899 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.17 | Verified | Field value reflects source document |
|  | 538384340 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 538384340 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 538384340 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 538384340 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 538384340 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 538384340 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 538384340 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 538384340 |  |  |  |  | Original CLTV | 73.354 | 69.94186 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
|  | 538384340 |  |  |  |  | Original LTV | 73.354 | 69.94186 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
|  | 538384340 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 538384340 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.15 | Verified | Field value reflects source document |
|  | 586932935 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 586932935 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 586932935 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 586932935 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 586932935 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 586932935 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 586932935 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 586932935 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.07 | Verified | Field value reflects source document |
|  | 579329285 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 579329285 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 579329285 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 579329285 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 579329285 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 579329285 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 579329285 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 579329285 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.07 | Verified | Field value reflects source document |
|  | 562971757 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 562971757 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 562971757 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 562971757 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 562971757 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 562971757 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 540852614 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 540852614 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 540852614 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 540852614 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 540852614 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 540852614 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 540852614 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.12 | Verified | Field value reflects source document |
|  | 572161839 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 572161839 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 572161839 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 572161839 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 572161839 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 572161839 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 572161839 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.96 | 1.00 | Verified | Field value reflects source document |
|  | 587080888 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 587080888 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 587080888 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 587080888 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 587080888 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 587080888 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 587080888 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.85 | 0.86 | Verified | Field value reflects source document |
|  | 556790950 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 556790950 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 556790950 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 556790950 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 556790950 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 556790950 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 895.065 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 556790950 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 508296292 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 508296292 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 508296292 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 508296292 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 508296292 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 508296292 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 508296292 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.05 | Verified | Field value reflects source document |
|  | 518549617 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 518549617 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 518549617 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 518549617 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 518549617 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 572175844 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 572175844 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.23 | 1.28 | Verified | Field value reflects source document |
|  | 524735919 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 524735919 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 524735919 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 524735919 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 524735919 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 524735919 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 524735919 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.75 | 0.78 | Verified | Field value reflects source document |
|  | 502716401 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 502716401 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 502716401 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 502716401 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 502716401 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 502716401 |  |  |  |  | Original CLTV | 73.705 | 75 | 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) |
|  | 502716401 |  |  |  |  | Original LTV | 73.705 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
|  | 502716401 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 502716401 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 0.78 | Verified | Field value reflects source document |
|  | 520903780 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 520903780 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 520903780 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 520903780 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 520903780 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
|  | 520903780 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 586713137 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 586713137 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 586713137 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 586713137 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 586713137 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 586713137 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 586713137 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 566841109 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 566841109 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 566841109 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 566841109 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 566841109 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 566841109 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 515629004 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 515629004 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 515629004 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 515629004 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 515629004 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 515629004 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 515629004 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.31 | 1.47 | Verified | Field value reflects source document |
|  | 558549897 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 558549897 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 558549897 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 558549897 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 558549897 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 558549897 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 546864576 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 546864576 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 546864576 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 546864576 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 546864576 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 546864576 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 546864576 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 546864576 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.81 | 0.82 | Verified | Field value reflects source document |
|  | 525916289 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 525916289 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 525916289 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 525916289 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 525916289 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 514715752 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 515017201 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.03 | 1.04 | Verified | Field value reflects source document |
|  | 529902853 |  |  |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
|  | 509907803 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 509907803 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 509907803 |  |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 542018452 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.03 | 1.04 | Verified | Field value reflects source document |
|  | 516668670 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 516668670 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.40 | 1.41 | Verified | Field value reflects source document |
|  | 571674815 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 571674815 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 571674815 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.22 | 1.23 | Verified | Field value reflects source document |
|  | 514274472 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 514274472 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.27 | 1.29 | Verified | Field value reflects source document |
|  | 518892573 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.23 | 1.24 | Verified | Unable to verify due to missing information |
|  | 597620175 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 597620175 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.34 | 1.35 | Verified | Field value reflects source document |
|  | 517987933 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 517987933 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.23 | 1.22 | Verified | Field value reflects source document |
|  | 581999005 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.24 | 1.23 | Verified | Field value reflects source document |
|  | 505801173 |  |  |  |  | Property Type | Single Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 505801173 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Transaction is refinance |
|  | 505801173 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.39 | 1.40 | Verified | Field value reflects source document |
|  | 552679051 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 552679051 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.31 | 1.32 | Verified | Field value reflects source document |
|  | 530786036 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.14 | 1.16 | Verified | Field value reflects source document |
|  | 533433584 |  |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 533433584 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 538870879 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 538870879 |  |  |  |  | Origination Channel |  | Broker | Verified | Field Value reflects Retail (Lender Originated) |
|  | 570848965 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 570848965 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 570848965 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 570848965 |  |  |  |  | Origination Channel |  | Broker | Verified | Field Value reflects Retail (Lender Originated) |
|  | 512295693 |  |  |  |  | Origination Channel |  | Broker | Verified | Field Value reflects Retail (Lender Originated) |
|  | 585433420 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 585433420 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 585433420 |  |  |  |  | Maturity Date | 2055-08-01 | 2055-09-01 | Verified | Field Value reflects Maturity Date per the Note |
|  | 543709248 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 543709248 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 541541435 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 541541435 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.86 | 0.87 | Verified | Field value reflects source document |
|  | 501916814 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 501916814 |  |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 501916814 |  |  |  |  | Property Type | Single Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 501916814 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.21 | 1.22 | Verified | Field value reflects source document |
|  | 539030691 |  |  |  |  | Property Type | Single Family | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 539030691 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.33 | Verified | Field value reflects source document |
|  | 527428567 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 527428567 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 580834456 |  |  |  |  | Subject Debt Service Coverage Ratio | 2.52 | 2.48 | Verified | Field value reflects source document |
|  | 583041720 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 583041720 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 583041720 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 583041720 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 583041720 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 583041720 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.05 | 1.06 | Verified | Field value reflects source document |
|  | 509532759 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 509532759 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 509532759 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 509532759 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 509532759 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 504578973 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 504578973 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 504578973 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 504578973 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 504578973 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 504578973 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 504578973 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.98 | 1.00 | Verified | Field value reflects source document |
|  | 568445464 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 568445464 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 568445464 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 568445464 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 568445464 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 568445464 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Field value reflects source document |
|  | 519308693 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 519308693 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 519308693 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 519308693 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 519308693 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 519308693 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 519308693 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 519308693 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.16 | 1.46 | Verified | Field value reflects source document |
|  | 578971603 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 578971603 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 578971603 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 578971603 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 578971603 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 578971603 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 1206.294 |  | Verified | Unable to verify due to missing information |
|  | 578971603 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 586796272 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 586796272 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 586796272 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 586796272 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 586796272 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 586796272 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 586796272 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 586796272 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 586796272 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.03 | 1.04 | Verified | Field value reflects source document |
|  | 553943293 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 553943293 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 553943293 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 553943293 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 553943293 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 553943293 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 592139961 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 592139961 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 592139961 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 592139961 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 592139961 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 592139961 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 592139961 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.11 | 1.10 | Verified | Field value reflects source document |
|  | 548036989 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 548036989 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 548036989 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 548036989 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 548036989 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 548036989 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Unable to verify due to missing information |
|  | 503935125 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 503935125 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 503935125 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 503935125 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 503935125 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 503935125 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 503935125 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.11 | Verified | Field value reflects source document |
|  | 599222152 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 599222152 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 599222152 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 599222152 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 599222152 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 599222152 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 599222152 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 599222152 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 599222152 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Field value reflects source document |
|  | 578993739 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 578993739 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 578993739 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 578993739 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 578993739 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 578993739 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 578993739 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 544146114 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 544146114 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 544146114 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 544146114 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 544146114 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 544146114 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 544146114 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.22 | 1.43 | Verified | Field value reflects source document |
|  | 557451132 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 557451132 |  |  |  |  | Amortization Term |  | 360 | Verified | Unable to verify due to missing information |
|  | 557451132 |  |  |  |  | Amortization Type |  | Fixed | Verified | Unable to verify due to missing information |
|  | 557451132 |  |  |  |  | Lien Position |  | 1 | Verified | Unable to verify due to missing information |
|  | 557451132 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 557451132 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Unable to verify due to missing information |
|  | 587441429 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 587441429 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 587441429 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 587441429 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 587441429 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 587441429 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
|  | 587441429 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 567280782 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 567280782 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 567280782 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 567280782 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 567280782 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 567280782 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 592946995 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 592946995 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 592946995 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 592946995 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 592946995 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 592946995 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 595314167 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 595314167 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 595314167 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 595314167 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 595314167 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 595314167 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 595314167 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 553350476 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 553350476 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 553350476 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 553350476 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 553350476 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 553350476 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 553350476 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 54.399 | 44.7436 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 553350476 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 550830686 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 550830686 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 550830686 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 550830686 |  |  |  |  | Representative FICO | 685 | 689 |  |  |
|  | 550830686 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 550830686 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 550830686 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 578531642 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 578531642 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 578531642 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 578531642 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 578531642 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 578531642 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 578531642 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 591900382 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 591900382 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 591900382 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 591900382 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 591900382 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 591900382 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 591900382 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 591900382 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 581173070 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 581173070 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 581173070 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 581173070 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 581173070 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 581173070 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 513124999 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 513124999 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 513124999 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 513124999 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 513124999 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 568520668 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 568520668 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 568520668 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 568520668 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 568520668 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 568520668 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 548552933 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 548552933 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 548552933 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 548552933 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 548552933 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 548552933 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 512837083 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 512837083 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 512837083 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 512837083 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 512837083 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 512837083 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 552942413 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 552942413 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 552942413 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 552942413 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 552942413 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 552942413 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 560012469 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 560012469 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 560012469 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 560012469 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 560012469 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 560012469 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 536611750 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 536611750 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 536611750 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 536611750 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 536611750 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 536611750 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 571292212 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 571292212 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 571292212 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 571292212 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 571292212 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 578582204 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 578582204 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 578582204 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 578582204 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 578582204 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 578582204 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 529986568 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 529986568 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 529986568 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 529986568 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 529986568 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 529986568 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 529986568 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 527471610 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 527471610 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 527471610 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 527471610 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 527471610 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 527471610 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 502236692 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 502236692 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 502236692 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 502236692 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 502236692 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 502236692 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 502236692 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 522907058 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 522907058 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 522907058 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 522907058 |  |  |  |  | Representative FICO | 705 | 696 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 522907058 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 522907058 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 522907058 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 558289879 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 558289879 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 558289879 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 558289879 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 558289879 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 558289879 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 587223793 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 587223793 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 587223793 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 587223793 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 587223793 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 587223793 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 564049273 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 564049273 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 564049273 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 564049273 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 564049273 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 564049273 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 564049273 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 596659684 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.76 | 0.77 | Verified | Field value reflects source document |
|  | 596174712 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 581507600 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 581507600 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 581507600 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 581507600 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 581507600 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 581507600 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 593493252 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 593493252 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 593493252 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 593493252 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 593493252 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 593493252 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 518477034 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 518477034 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 518477034 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 518477034 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 518477034 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 518477034 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 518477034 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 509589734 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 509589734 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 509589734 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 509589734 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 509589734 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 509589734 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 545620889 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 545620889 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 545620889 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 545620889 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 545620889 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 545620889 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 595668150 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 595668150 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 595668150 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 595668150 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 595668150 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 595668150 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 566208359 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 566208359 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 566208359 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 566208359 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 566208359 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 566208359 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 561541199 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 561541199 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 561541199 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 561541199 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 561541199 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 561541199 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 511678915 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 511678915 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 511678915 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 511678915 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 511678915 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 524573409 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 524573409 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 524573409 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 524573409 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 524573409 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 524573409 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 582262790 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 582262790 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 582262790 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 582262790 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 582262790 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 582262790 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 519743320 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 519743320 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 519743320 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 519743320 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 519743320 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 526117640 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 526117640 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 526117640 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 526117640 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 526117640 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 526117640 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 8.326 | 47.64196 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 526117640 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 577496740 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 577496740 |  |  |  |  | Amortization Term |  | 360 | Verified | Tape Value reflects Amortization Term per Modification |
|  | 577496740 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 577496740 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 577496740 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 577496740 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 514649782 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 514649782 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 514649782 |  |  |  |  | Amortization Term |  | 360 | Verified | Unable to verify due to missing information |
|  | 514649782 |  |  |  |  | Amortization Type |  | Fixed | Verified | Unable to verify due to missing information |
|  | 514649782 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Unable to verify due to missing information |
|  | 514649782 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 514649782 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 514649782 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 532976920 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 532976920 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 532976920 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 532976920 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 532976920 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 14.788 | 20.78816 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 532976920 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 522159328 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 522159328 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 522159328 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 522159328 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 522159328 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 522159328 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 542496746 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 542496746 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 542496746 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 542496746 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 542496746 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 542496746 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 526495521 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 526495521 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 526495521 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 526495521 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 526495521 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 526495521 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 528687253 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 528687253 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 528687253 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 528687253 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 528687253 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 528687253 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 592331954 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 592331954 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 592331954 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 592331954 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 592331954 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 591808953 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 591808953 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 591808953 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 591808953 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 591808953 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 591808953 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 561429551 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 561429551 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 561429551 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 561429551 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 561429551 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 561429551 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 566562723 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 566562723 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 566562723 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 566562723 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 566562723 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 566562723 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 538430106 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 538430106 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 538430106 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 538430106 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 538430106 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 538430106 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 579011833 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 579011833 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 579011833 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 579011833 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 579011833 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 570042770 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 570042770 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 570042770 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 570042770 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 570042770 |  |  |  |  | Representative FICO | 595 | 661 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 570042770 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 570042770 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 547253886 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 547253886 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 547253886 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 547253886 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 547253886 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 523486453 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 523486453 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 523486453 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 523486453 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 523486453 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 523486453 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 523486453 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 574023371 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 574023371 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 574023371 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 574023371 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 574023371 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 553825629 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 553825629 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 553825629 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 553825629 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 553825629 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 596579174 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 596579174 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 596579174 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 596579174 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (Mid Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 596579174 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 596579174 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 596579174 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 526556990 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 526556990 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 526556990 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 526556990 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 526556990 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 526556990 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 538405680 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 538405680 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 538405680 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 538405680 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 538405680 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 538405680 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 538405680 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 35.929 | 33.88164 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 518062828 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 518062828 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 518062828 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 518062828 |  |  |  |  | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 518062828 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 518062828 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 518062828 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 518062828 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.38 | 1.37 | Verified | Field value reflects source document |
|  | 501044950 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 501044950 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 501044950 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 501044950 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 501044950 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 501044950 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 501044950 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.84 | 0.85 | Verified | Field value reflects source document |
|  | 531356401 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 531356401 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 531356401 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 531356401 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 531356401 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 531356401 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Unable to verify due to missing information |
|  | 548511586 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 548511586 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 548511586 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 548511586 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 548511586 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 548511586 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 548511586 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.65 | 1.67 | Verified | Field value reflects source document |
|  | 539484118 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 539484118 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 539484118 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 539484118 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 539484118 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 539484118 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 502121135 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 502121135 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 502121135 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 502121135 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 502121135 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 502121135 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 502121135 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Unable to verify due to missing information |
|  | 502121135 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.15 | 1.26 | Verified | Field value reflects source document |
|  | 518864402 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.37 | 1.16 | Verified | Field value reflects source document |
|  | 566080705 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 566080705 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 566080705 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 566080705 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 566080705 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 566080705 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 525621120 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 525621120 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 525621120 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 525621120 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 525621120 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 525621120 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 525621120 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.27 | 1.26 | Verified | Field value reflects source document |
|  | 556036471 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 556036471 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 556036471 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 556036471 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 556036471 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 556036471 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.13 | 1.19 | Verified | Field value reflects source document |
|  | 505245685 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 505245685 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 505245685 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 505245685 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 505245685 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 505245685 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 505245685 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.07 | 1.15 | Verified | Field value reflects source document |
|  | 598812258 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 598812258 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 598812258 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 598812258 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 598812258 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 598812258 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 598812258 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.08 | Verified | Field value reflects source document |
|  | 535216076 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 535216076 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 535216076 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 535216076 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 535216076 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 536447050 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 536447050 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 536447050 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 536447050 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 536447050 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 536447050 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 536447050 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.09 | 1.10 | Verified | Field value reflects source document |
|  | 549560407 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 549560407 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 549560407 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 549560407 |  |  |  |  | Lien Position |  | 1 | Verified | Unable to verify due to missing information |
|  | 549560407 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 549560407 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 588811104 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 588811104 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 588811104 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 588811104 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 588811104 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 588811104 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 588811104 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 588811104 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.18 | 1.43 | Verified | Field value reflects source document |
|  | 530082925 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 530082925 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 530082925 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 530082925 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 530082925 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 530082925 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 530082925 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.18 | Verified | Field value reflects source document |
|  | 533639691 |  |  |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
|  | 594791031 |  |  |  |  | Representative FICO | 680 | 682 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 594791031 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 594791031 |  |  |  |  | Doc Type | Full | Retirement Income - Fully Verified | Verified | Field Value reflects documentation located in origination file |
|  | 594791031 |  |  |  |  | Cash To Borrower | [redacted] | [redacted] | Verified | Field value reflects source document |
|  | 594791031 |  |  |  |  | Appraisal Effective Date |  | [redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 594791031 |  |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 594791031 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 594791031 |  |  |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 594791031 |  |  |  |  | Total Income |  | 6219.85 | Verified | Field value reflects source document |
|  | 594791031 |  |  |  |  | Original HLTV |  | 70 | Verified | Field value reflects source document |
|  | 594791031 |  |  |  |  | PITIA Reserves Months | 6.00 | 34.03 | Verified | Field value reflects source document |
|  | 594791031 |  |  |  |  | Universal Loan Identifier (ULI) |  | [redacted] | Verified | Field value reflects source document |
|  | 594791031 |  |  |  |  | Last Property Transfer Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 594791031 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 587298486 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.02 | Verified | Field value reflects source document |
|  | 525627377 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 525627377 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 525627377 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 525627377 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 525627377 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 525627377 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 592404353 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 592404353 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 592404353 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 592404353 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 592404353 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 592404353 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 553047933 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 553047933 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 553047933 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 553047933 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 553047933 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 553047933 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 558320160 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 558320160 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 558320160 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 558320160 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 558320160 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 558320160 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 47.558 | 49.97811 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 558320160 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 519014390 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 519014390 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 519014390 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 519014390 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 519014390 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 519014390 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 511317210 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 511317210 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 511317210 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 511317210 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 511317210 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 511317210 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 580378713 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 580378713 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 580378713 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 580378713 |  |  |  |  | Representative FICO | 707 | 749 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
|  | 580378713 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 580378713 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 580378713 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 500947140 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 500947140 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 500947140 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 500947140 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 500947140 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 500947140 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 500947140 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 506962099 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 506962099 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 506962099 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 506962099 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 506962099 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 506962099 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 506962099 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 504666911 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 504666911 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 504666911 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 504666911 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 504666911 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 504666911 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 504666911 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 504666911 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 21.163 | 25.23922 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 504666911 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 544199193 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 544199193 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 544199193 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 544199193 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 544199193 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 544199193 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 544199193 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 571272653 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 571272653 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 571272653 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 571272653 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 571272653 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 571272653 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 571272653 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 570879052 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 570879052 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 570879052 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 570879052 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 570879052 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 570879052 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 34.57 | 36.83406 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 570879052 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 593770459 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 593770459 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 593770459 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 593770459 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 593770459 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 593770459 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 593770459 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 593770459 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 594218008 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 594218008 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 594218008 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 594218008 |  |  |  |  | Representative FICO | 808 | 817 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
|  | 594218008 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 594218008 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 594218008 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 594218008 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 40.719 | 43.15724 | Verified | Due to documented REO expense |
|  | 594218008 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 535005728 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 535005728 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 535005728 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 535005728 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 535005728 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 535005728 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 535005728 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 544277298 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 544277298 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 544277298 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 544277298 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 544277298 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 544277298 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 596365095 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 596365095 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 596365095 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 596365095 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 596365095 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 596365095 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 596365095 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.25 | 1.38 | Verified | Field value reflects source document |
|  | 530224622 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 530224622 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 530224622 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 530224622 |  |  |  |  | Representative FICO | 731 | 756 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 530224622 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 530224622 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 530224622 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 541396386 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 541396386 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 541396386 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 541396386 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (Mid Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 541396386 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 541396386 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 541396386 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 541396386 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.05 | Verified | Field value reflects source document |
|  | 514561553 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 514561553 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 514561553 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 514561553 |  |  |  |  | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 514561553 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 514561553 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 514561553 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 514561553 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 514561553 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.35 | 1.41 | Verified | Field value reflects source document |
|  | 516557177 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 516557177 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 516557177 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 516557177 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 516557177 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 516557177 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 591604625 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 591604625 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 591604625 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 591604625 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 591604625 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 591604625 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 591604625 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.30 | 1.23 | Verified | Field value reflects source document |
|  | 518556173 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 518556173 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 518556173 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 518556173 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 518556173 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 518556173 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 518556173 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 518556173 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 568587866 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 568587866 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 568587866 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 568587866 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 568587866 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 568587866 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 568587866 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 518201948 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 518201948 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 518201948 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 518201948 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 518201948 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
|  | 518201948 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 579060590 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 579060590 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 579060590 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 579060590 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 579060590 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 579060590 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.25 | 1.53 | Verified | Field value reflects source document |
|  | 554078512 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 554078512 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 554078512 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 554078512 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 554078512 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 554078512 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 554078512 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 554078512 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.21 | 1.22 | Verified | Field value reflects source document |
|  | 523655082 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 523655082 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 523655082 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 523655082 |  |  |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 523655082 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 523655082 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 523655082 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 523655082 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.20 | Verified | Field value reflects source document |
|  | 502119239 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 502119239 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 502119239 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 502119239 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 502119239 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 502119239 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.54 | 1.55 | Verified | Field value reflects source document |
|  | 569547780 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 569547780 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 569547780 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 569547780 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 569547780 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 569547780 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 569547780 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.00 | Verified | Field value reflects source document |
|  | 502786722 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 502786722 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 502786722 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 502786722 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 502786722 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 502786722 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 502786722 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 533751749 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 533751749 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 533751749 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 533751749 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 533751749 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 533751749 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 533751749 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 533751749 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.75 | 0.77 | Verified | Field value reflects source document |
|  | 587663736 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 587663736 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 587663736 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 587663736 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 587663736 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 587663736 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 587663736 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 587663736 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.06 | Verified | Field value reflects source document |
|  | 558447395 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 558447395 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 558447395 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 558447395 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 558447395 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 558447395 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 503202051 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 503202051 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 503202051 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 503202051 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 503202051 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 581254239 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 581254239 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 581254239 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 581254239 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 581254239 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 581254239 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 555639031 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 555639031 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 555639031 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 555639031 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 555639031 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 555639031 |  |  |  |  | Originator Loan Designation | Non QM | Safe Harbor QM (APOR) | Verified | Missing 2 yrs 1099 transcripts required per guidelines. |
|  | 555639031 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 544457359 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 544457359 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 544457359 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 544457359 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 544457359 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 544457359 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 544457359 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 564534521 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 564534521 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 564534521 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 564534521 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 564534521 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 564534521 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 564534521 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 501913005 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 501913005 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 501913005 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 501913005 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 501913005 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 501913005 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 501913005 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 69.067 | 47.43783 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 501913005 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 525913155 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 525913155 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 525913155 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 525913155 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 525913155 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 525913155 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 525913155 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 525913155 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 552099984 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 552099984 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 552099984 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 552099984 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 552099984 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 552099984 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 541330874 |  |  |  |  | Representative FICO | 722 | 811 |  |  |
|  | 541330874 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 594096474 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 594096474 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 594096474 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 594096474 |  |  |  |  | Representative FICO | 736 | 805 |  |  |
|  | 594096474 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 594096474 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 594096474 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 537157046 |  |  |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
|  | 537157046 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 537157046 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 537157046 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 537157046 |  |  |  |  | Maturity Date | 2055-09-01 | 2055-08-01 | Verified | Field Value reflects Maturity Date per the Note |
|  | 537157046 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 537157046 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 537157046 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 537157046 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 514040631 |  |  |  |  | Original Term |  | 480 | Verified | Field Value reflects the Note value |
|  | 514040631 |  |  |  |  | Amortization Term |  | 480 | Verified | Field Value reflects Amortization Term per Note |
|  | 514040631 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 514040631 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 514040631 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 514040631 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 36.09 | 39.46645 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 514040631 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 540968994 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 540968994 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 540968994 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 540968994 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 540968994 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 540968994 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 540968994 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.97 | Verified | Field value reflects source document |
|  | 508060857 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 508060857 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 508060857 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 508060857 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 508060857 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 508060857 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 508060857 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 508060857 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.23 | 1.24 | Verified | Field value reflects source document |
|  | 567281950 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 567281950 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 567281950 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 567281950 |  |  |  |  | Representative FICO | 737 | 761 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
|  | 567281950 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 567281950 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 567281950 |  |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 567281950 |  |  |  |  | Guideline Name |  | [redacted] | Verified | Field value reflects source document |
|  | 572781801 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 572781801 |  |  |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 572781801 |  |  |  |  | Purpose | Construction-Permanent | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
|  | 572781801 |  |  |  |  | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | 534725069 |  |  |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
|  | 534725069 |  |  |  |  | Property Type | Single Family | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 534725069 |  |  |  |  | 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 |
|  | 584594034 |  |  |  |  | Origination Channel | UTD | Retail | Verified | Field Value reflects Retail (Lender Originated) |
|  | 584594034 |  |  |  |  | Lender |  | [redacted] | Verified | Field Value reflects Lender name per the Note |
|  | 584594034 |  |  |  |  | Product Description | CGMRC JUMBO AUS FIXED 30 (Released) - JAUS30F | Fixed Rate | Verified | Field value reflects source document |
|  | 584594034 |  |  |  |  | Originator Loan Designation | Safe Harbor QM | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 584594034 |  |  |  |  | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
|  | 584594034 |  |  |  |  | PITIA Reserves Months | 9.00 | 11.48 | Verified | Field value reflects source document |
|  | 558902705 |  |  |  |  | Origination Channel | UTD | Correspondent Flow without Delegated UW | Verified | Field Value reflects Retail (Lender Originated) |
|  | 558902705 |  |  |  |  | Lender |  | [redacted] | Verified | Field Value reflects Lender name per the Note |
|  | 558902705 |  |  |  |  | Product Description | CGMRC JUMBO AUS FIXED 30 (Released) - JAUS30F | Fixed Rate | Verified | Field value reflects source document |
|  | 558902705 |  |  |  |  | Originator Loan Designation | Safe Harbor QM | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 558902705 |  |  |  |  | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
|  | 558902705 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 31.472 | 33.75909 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 558902705 |  |  |  |  | PITIA Reserves Months | 9.00 | 48.59 | Verified | Field value reflects source document |
|  | 516943167 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 545164605 |  |  |  |  | Origination Channel | UTD | Broker | Verified | Field Value reflects Retail (Lender Originated) |
|  | 545164605 |  |  |  |  | Lender |  | [redacted] | Verified | Field Value reflects Lender name per the Note |
|  | 545164605 |  |  |  |  | Product Description | CGMRC JUMBO AUS FIXED 30 (Released) - JAUS30F | Fixed Rate | Verified | Field value reflects source document |
|  | 545164605 |  |  |  |  | Originator Loan Designation | Safe Harbor QM | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 545164605 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 48.07 | 41.1116 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 545164605 |  |  |  |  | PITIA Reserves Months | 39.00 | 33.32 | Verified | Field value reflects source document |
|  | 582084780 |  |  |  |  | Interest Rate Change Frequency | 360 |  | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
|  | 582084780 |  |  |  |  | Original LTV | 0.85 | 85 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
|  | 561801479 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 584795633 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 534024550 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 534024550 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The loan transaction was a refinance. |
|  | 534024550 |  |  |  |  | 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 |
|  | 573404911 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 44.497 | 47.41133 | Verified | The Lender used previous bonus and commission income for calculations. |
|  | 513927394 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 32.161 | 35.08752 | Verified | Field Value DTI is higher than Tape value but within 3% and < 45% DTI |
|  | 503022767 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 49.999 | 30.13708 | Verified | DTI based on updated AUS is 30.14%. |

---

## Exhibit 99.7

[GCAT Depositor V LLC ABS-15G](gcat-abs15g.htm)

**Exhibit 99.7**

![](ex997001.jpg)

**NARRATIVE**

**GCAT 2025-NQM6**

**By Canopy Financial Technology Partners LLC on October 7, 2025**

Canopy Financial Technology Partners LLC

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

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

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

![](ex997001.jpg)

**Description of Services**

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

The Review consisted of a population of two (2) Loans with an aggregate principal balance of $2,424,400.

**Loan Sampling**

The Client defined the sample size and the random sampling of the Loans to be included in the Review.

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs); S&P Global Ratings and Kroll.

**Data Integrity**

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

---

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

---

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

![](ex997001.jpg)

---

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

---

**Credit Underwriting**

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

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

● Assets and Reserves;

● DTI;

● DSCR;

● Gross Income;

● Housing history;

● Lien Position;

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● Loan Purpose;

● LTV/CLTV;

● Monthly debt service;

● Occupancy;

● Property Type;

● Qualifying PITI; and

● Residual Income.

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

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

● Borrower(s) employment history ;

● Citizenship and eligibility;

● First time home buyer status ;

● The application was signed by all borrowers; and

● The application was substantially completed.

**Credit History:** Canopy verified:

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

● Bankruptcy and foreclosure seasoning;

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

● Installment and revolving payment history;

● Mortgage/rental payment history;

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

● Number of tradelines; and

● Representative Credit Score and Methodology.

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

● Verbal or Written VOE's;

● Paystubs;

● W-2 forms;

● Tax returns;

● Financial statements;

● Award letters;

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

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

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

● Borrower identity:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Social
 Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower
 name variations

● Employment:

● Licensing – reviewed NMLS data for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage
 lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Loan
 officer

● Occupancy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower
 address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Subject
 property ownership history

● OFAC.

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

● Depository account statements;

● Gift funds;

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

● Stock or security account statements; and/or

● VOD's.

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

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

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

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

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

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

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

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

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

**Document Review**

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

● Initial application (1003);

● Final application (1003);

● Note;

● Mortgage/Deed of Trust;

● Appraisal;

● Sales Contract;

● Title Commitment/Policy;

● Junior Lien/Subordination Agreement;

● Mortgage Insurance;

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

● Flood Certification;

● Initial and Final Loan Estimate (LE);

● Initial and Final and Closing Disclosure (CD);

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

**Business Purpose Validation**

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

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

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

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

**"Material Compliance Violation" to "B" Grade:** The above noted Material Compliance Violation was re-graded to a "B" grade by conducting a full Consumer Purpose regulatory compliance review, as applicable to assignees for Consumer Purpose loans, and in the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

**Compliance Review**

Canopy reviewed each Loan File and, if applicable, verified that it was consummated in compliance with the applicable federal, state, and local anti-predatory lending statutes in effect at the time of origination of the mortgage loan. Canopy' review included, but was not limited to, the verification and validation that each mortgage loan met the relevant provisions of:

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

(ii) the **Truth in Lending Act** (" <u>TILA</u> "), as amended by HOEPA, 15 U.S.C.
 §1601 et seq., as implemented by Regulation Z, 12 C.F.R. Part 1026;

(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;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**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:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)** 

With respect to QM (Safe Harbor and Rebuttable Presumption) designated loans, Canopy reviews the loan to determine whether, based on available information in the Loan File: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of

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consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

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

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

**Ability to Repay (ATR)**

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

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

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

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

![](ex997001.jpg)

**VALUATION REVIEW**

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

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

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

***Independent third-party values, CU SCORES and FHLMC REPS and WARRANTS***

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

**Valuation Reconciliation Process:**

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

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

**Agency Eligible Loans:**

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

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

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

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

![](ex997001.jpg)

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

---

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

---

---

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

---

---

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

---

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

![](ex997001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grade** | &nbsp;&nbsp;**Valuation Event Grade** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by supporting documents (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by supporting documents and there are no other valuation support documents provided. The valuation methodology substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition, or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 50.00% (1 loan) has an overall grade of "A" and 50.00% (1 loan) has an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 50.00%, (1 loan) of mortgage loans reviewed, and 50.00% (1 loan) has a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 100.00%, (2 loans) of mortgage loans reviewed, and 0.00% (0 loans) have a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 100.00%, (2 loans) of mortgage loans reviewed, and 0.00% (0 loans) have a Property/Valuation grade of "B".

**FINDINGS TABLE**

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

![](ex997001.jpg)

**REVIEW TABLES**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**2** | &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;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

**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;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$2424400.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2424400.00** |

---

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

![](ex997001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$2424400.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2424400.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Limited Cash Out (GSE Definition) | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$374400.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$2050000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2424400.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$2050000.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$374400.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2424400.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$2050000.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$374400.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2424400.00** |

---

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

![](ex997001.jpg)

**DATA COMPARISON RESULTS**

Of the two (2) mortgage Loan Files reviewed, zero (0) unique loans (00.00% by number) had zero (0) tape comparison discrepancies across zero (0) data fields.

**Disclaimer**

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

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

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

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

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

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

## Exhibit 99.8

[GCAT Depositor V LLC ABS-15G](gcat-abs15g.htm)

**Exhibit 99.8**

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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** |
| 510944553 |  | D A | Closed | FPRO1244 | 2022-03-21 18:47 | 2022-03-22 08:14 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Enhanced Desk Review provided at resubmission supporting original appraised value of $xxx (0% variance). - Due Diligence Vendor-03/22/2022 <br> Ready for Review-Document Uploaded. - Seller-03/21/2022 <br> Open-Desk review missing. Desk review ordered - Due Diligence Vendor-03/21/2022 | Ready for Review-Document Uploaded. - Seller-03/21/2022<br>| Resolved-Enhanced Desk Review provided at resubmission supporting original appraised value of xxx (0% variance). - Due Diligence Vendor-03/22/2022 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 542143098 |  | D B C A | Closed | FCRE1813 | 2025-08-21 18:36 | 2025-08-27 14:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Overview Incomplete | Resolved-Signed Business Narrative Provided. - Due Diligence Vendor-08/27/2025 <br>Ready for Review-Document Uploaded. - Seller-08/26/2025 <br>Open-Please provide borrower signed business narrative. - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. - Seller-08/26/2025<br>| Resolved-Signed Business Narrative Provided. - Due Diligence Vendor-08/27/2025<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 - 29.03 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> 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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 542143098 |  | D B C A | Closed | FCRE8201 | 2025-08-21 18:35 | 2025-08-27 14:56 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-CTEC verification provided. - Due Diligence Vendor-08/27/2025 <br>Ready for Review-Document Uploaded. - Seller-08/26/2025 <br>Open-Missing validation of CPA letter preparer credentials. - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. - Seller-08/26/2025<br>| Resolved-CTEC verification provided. - Due Diligence Vendor-08/27/2025<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 - 29.03 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> 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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 542143098 |  | D B C A | Closed | FCOM5814 | 2025-08-21 18:33 | 2025-08-27 08:45 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Curative PCCD received - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. - Seller-08/26/2025 <br> Open-Missing corrected PCCD with the broker and settlement agent information completed on page xxx. - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. - Seller-08/26/2025<br>| Resolved-Curative PCCD received - Due Diligence Vendor-08/27/2025<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 - 29.03 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> 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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 542143098 |  | D B C A | Closed | FCRE1198 | 2025-08-07 18:15 | 2025-08-08 17:50 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-CPA letter provided. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. - Seller-08/08/2025 <br> Counter-Please provide operating agreement or equivalent to evidence borrower percentage of ownership for xxx to include assets held in xxx. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Reserve requirement remains at 12 months. Does the below grid help?<br> Institution Acct # Date Assets % Used Qualifying Amount<br> xxx xxx xxx xxx xxx<br> xxx xxx xxx xxx xxx<br> xxx xxx xxx xxx xxx<br> xxx xxx xxx xxx xxx<br> xxx xxx xxx xxx xxx<br> xxx xxx xxx xxx xxx<br>Sum = xxx<br> Funds to Close = xxx<br> Reserves Required = xxx<br> - Seller-08/08/2025 <br> Counter-Document Uploaded. xxx Business name: xxx - Missing supporting Documentation of ownership % in order to use these funds. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. For Subject file we need xxx FTC and xxx reserves (12 month PITIA)= Total xxx<br>We have documented funds of xxx (Personal account used for FTC and stock, business funds used for Reserves)<br> - Seller-08/08/2025 <br> Open-Audited Reserves of 9.77 are less than Guideline Required Reserves of 12 - QC cannot locate exception in the documents so unsure if required reserves are 12 as the notes say or 9. - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. - Seller-08/08/2025 <br> Ready for Review-Reserve requirement remains at 12 months. Does the below grid help?<br> Institution Acct # Date Assets % Used Qualifying Amount<br> xxx<br> xxx<br> xxx<br> xxx<br> xxx<br> xxx<br>Sum = xxx<br> Funds to Close = xxx<br> Reserves Required = xxx<br> - Seller-08/08/2025 <br> Ready for Review-Document Uploaded. For Subject file we need xxx FTC and xxx reserves (12 month PITIA)= Total xxx<br>We have documented funds of xxx (Personal account used for FTC and stock, business funds used for Reserves)<br> - Seller-08/08/2025 | Resolved-CPA letter provided. - Due Diligence Vendor-08/08/2025<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 - 29.03 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> 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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 542143098 |  | D B C A | Closed | FCRE1157 | 2025-08-07 17:38 | 2025-08-08 11:36 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Document Uploaded. - Seller-08/08/2025 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. - Seller-08/08/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/08/2025<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 - 29.03 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> 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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 542143098 |  | D B C A | Closed | FCRE1145 | 2025-08-07 17:29 | 2025-08-08 11:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Document Uploaded. - Seller-08/08/2025 <br>Open-Title Document is missing - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. - Seller-08/08/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-08/08/2025<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 - 29.03 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> 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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 542143098 |  | D B C A | Closed | FCRE1199 | 2025-08-07 18:16 | 2025-08-08 11:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Exception granted with supporting comp factors: Exception is requested for xxx loan amount at 85% LTV - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. - Seller-08/08/2025 <br> Open-Audited Loan Amount of xxx is greater than the Guideline Maximum Loan Amount of xxx. Provide exception for loan amount of xxx - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. - Seller-08/08/2025<br>| Waived-Exception granted with supporting comp factors: Exception is requested for xxx loan amount at 85% LTV - Due Diligence Vendor-08/08/2025 | 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 - 29.03 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> 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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Fico xxx<br> Years in same job 6<br> years in current home 1<br> Residual Income xxx<br> DTI 30% | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxx |

---

## Exhibit 99.9

[GCAT Depositor V LLC ABS-15G](gcat-abs15g.htm)

**Exhibit 99.9**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 510944553 |  |  | xxx A D |
| 542143098 |  |  | xxx D C A B |

---

## Exhibit 99.10

[GCAT Depositor V LLC ABS-15G](gcat-abs15g.htm)

**Exhibit 99.10**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 510944553 |  |  | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 80 | 80 | xxx | xxx | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 542143098 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 84.54 | 84.54 |  |  |  |  |  |  |  |  | xxx | xxx | .0103 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.11

[GCAT Depositor V LLC ABS-15G](gcat-abs15g.htm)

**Exhibit 99.11**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 510944553 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | N | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Yes |
| 542143098 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | 8.723 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.12

[GCAT Depositor V LLC ABS-15G](gcat-abs15g.htm)

**Exhibit 99.12**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |

---

## Exhibit 99.13

[GCAT Depositor V LLC ABS-15G](gcat-abs15g.htm)

**Exhibit 99.13**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 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 | 106 | 107 | 108 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **Appraiser License #** | **Appraiser First Name** | **Appraisal Last Name** |
| 510944553 |  |  | xxx | xxx | xxx | Yes | xxx | xxx |  | 1 | xxx | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 5.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx |  |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No | NA | 0 | 0 | NA |  | 0 |  | No | 1.15 |  | Yes | Borrower - Other - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 12.00 | xxx | 12 |  | 80 | N/A | xxx | xxx | xxx |
| 542143098 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | 1 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | 8.723% |  | 8.499% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 23.68% | 23.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 47.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 12 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 17.45 | xxx | 17.45 | No | 84.54 | N/A | xxx | xxx | xxx |

---

## Exhibit 99.14

[GCAT Depositor V LLC ABS-15G](gcat-abs15g.htm)

**Exhibit 99.14**

![](ex9914001.jpg)

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on behalf of its client, Blue River Mortgage V LLC. The review included a total of 43 newly originated residential mortgage loans, in connection with the securitization identified as GCAT 2025-NQM6 (the "Securitization"). The Review was conducted from June 2025 to August 2025 on mortgage loans originated from May 2025 to August 2025.

**Scope of Review**

**Credit Review**

Consolidated Analytics performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. QM
 or ATR Validation / Review of 8 Key Underwriting Factors

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
 / Assets

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

● Review file documentation for required level of income and asset verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment
 Status

● Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly
 Mortgage Payment

● Confirm program, qualifying rate, terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans

● Validate all concurrent loans are included in the DTI to properly assess the ability to repay

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage
 Related Obligations: PITI, HOA, PMI, etc.

● Validate subject loan monthly payment (PITI) and associated obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations

● Validate monthly recurring liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI
 and/or Residual Income

● Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

● Documentation meets Appendix Q requirements for QM Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit
 History

● Review credit report for credit history and required credit depth including any / all inquiries

● Determine representative credit score from credit report

&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
 loan-to-value (LTV) and combined loan-to-value

&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 borrower's occupancy

&nbsp;&nbsp;&nbsp;&nbsp;d. Validation
 through third party resource of the subject properties most recent twelve (12) month
 sales history

&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm
 sufficient evidence in loan file, by reviewing the underwriter's decision to approve
 the loan based upon the borrows income, debt, and credit history, to support borrower's
 willingness and ability to repay the debt

&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm
 that Final 1003 is sufficiently completed

&nbsp;&nbsp;&nbsp;&nbsp;g. Provide
 Audit 1008 with accurate data based on file documentation

&nbsp;&nbsp;&nbsp;&nbsp;h. Confirm
 Loan Approval conditions were met

&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 condominium questionnaire to verify all information is complete, prepared by an authorized
 representative, and address any red flags that may deem condominium project ineligible

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. In relation to cashout refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds of business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance Review" of applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Test
 Loan Estimate(s) for accuracy and completeness as well as timing requirements as required
 by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;b. Test
 Closing Disclosure(s) for accuracy and completeness as well as timing requirements as
 required by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;c. Tolerance
 Testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 Loan Estimate and Closing Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Identify
 Tolerance Violations and applicable cost to cure

&nbsp;&nbsp;&nbsp;&nbsp;d. Comprehensive
 review of Closing Disclosure to determine transaction accuracy

&nbsp;&nbsp;&nbsp;&nbsp;e. Recalculation
 of APR and Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;f. Testing
 of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal
 High Cost Mortgage provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Federal
 Higher Priced Mortgage Loans provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Local
 and/or State Anti-predatory and High Cost provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. HOEPA
 Points and Fees

&nbsp;&nbsp;&nbsp;&nbsp;g. Determine
 whether specified federal disclosures were provided timely based upon comparison of the
 application date to the dates on such disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Service
 Provider List

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Home
 Ownership Counselling Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. ARM
 Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;h. Compliance
 with QM as it relates to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR
 Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Points
 & Fees Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 Penalty Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Product
 Eligibility Testing

&nbsp;&nbsp;&nbsp;&nbsp;i. Notice
 of Right to Cancel (Rescission) Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 transaction date, expiration date, and disbursement date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Confirm
 document is properly executed by all required parties to the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the correct Right of Rescission document was executed for the transaction type

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm
 through NMLS the loan originator and originating firm's license status was active
 and properly disclosed on appropriate loan documents

&nbsp;&nbsp;&nbsp;&nbsp;k. Check
 the Loan participants against the exclusionary list provided by Client or by the purchaser
 of the Loan(s)

&nbsp;&nbsp;&nbsp;&nbsp;l. Review
 closing documents to ensure that the Mortgage Loan information is complete, accurate,
 and consistent with other documents; Confirm collateral documents have been recorded
 or sent for recording

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consolidated Analytics are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Consolidated Analytics is relying in reaching such findings.

**Valuation Review**

Consolidated Analytics performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 original appraisal, determination that property is in "average" condition
 or better, or property requires cosmetic improvements (as defined by the appraiser) that
 do not affect habitability. Should an area of concern be identified with the condition
 of the property, Consolidated Analytics will alert Client.

&nbsp;&nbsp;&nbsp;&nbsp;b. Review
 appraisal, determination that property is completely constructed, and appraisal is on
 an "as is basis," or property is identified as not completely constructed
 by originating appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 and determine if the appraisal report was performed on appropriate GSE forms and if the
 appraiser indicated in the body of the subject appraisal that the appraisal conforms
 to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;d. Review
 and determine the relevance of the comparable properties and ensure that a rational and
 reliable value was provided and supported as of the effective date of the Origination
 Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;e. Review
 adjustments (line item, net and gross adjustments) to ensure they are reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;f. Ensure
 that the appraisal conforms to the guidelines provided from the Client.

&nbsp;&nbsp;&nbsp;&nbsp;g. Review
 appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;h. Review
 location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;i. Ensure
 highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm
 there are no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;k. Ensure
 subject property does not suffer any functional obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;l. Where
 applicable, determine if the file did not contain the appraisal or other valuation method
 and a review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;m. Additional
 valuation products were not required when the CU score provided was 2.5 or below or the
 appraisal LCA risk score was eligible for Collateral Rep and Warranty relief. In the
 event the CU score was greater than 2.5 or the LCA score was not eligible for R&W
 relief, an additional valuation product was obtained to confirm value was supported within
 10% tolerance. In some instances, based on guidance from the seller, CDA's were
 ordered on loans that had an acceptable CU score or R&W eligibility.

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

For loans reviewed in a post-close valuation review scenario (43 loans in total):

Three (3) loans had a Secondary Appraisal, zero (0) loans had AVMs, and thirty-two (32) loans had Desktop Reviews.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal was completed. There were zero (0) occurrences of this.

Zero (0) loans had a Field Review, and zero (0) loans had an Exterior Only Appraisal Review.

**Product totals may not sum due to multiple products for each loan**

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the 43 mortgage loans reviewed, twenty-three (23) unique mortgage loans (53.49% by loan count) had a total of thirty-five (35) different tape discrepancies across seven (7) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy** <br> **Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Borrower Appraisal Receipt Date | &nbsp;&nbsp;19 | &nbsp;&nbsp;54.29% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;11.43% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;4 | &nbsp;&nbsp;11.43% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;3 | &nbsp;&nbsp;8.57% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;2 | &nbsp;&nbsp;5.71% |
| &nbsp;&nbsp;Borrower 1 Origination FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;5.71% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.86% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of <br> Sample by <br> Loan Count |
| Event Grade A | 38 | $20915569.00 | 88.37% |
| Event Grade B | 5 | $2239500.00 | 11.63% |
| Event Grade C | 0 | $0 | 0% |
| Event Grade D | 0 | $0 | 0% |
| **Total Sample** | 43 | $23155069.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 42 | 97.67% |
| Event Grade B | 1 | 2.33% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 43 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results: (As applicable, 8 loans within the population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 8 loans within the population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 8 loans within the population did not receive a Compliance Review)** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 32 | 91.43% |
| Event Grade B | 3 | 8.57% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 35 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 42 | 97.67% |
| Event Grade B | 1 | 2.33% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 43 | 100.00% |

---

 **Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception <br> Type | &nbsp;&nbsp;Exception <br> Level <br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;PUD Rider is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;HO6 Master Insurance Policy is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Lease Agreement | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Business Tax Returns Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***43*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;33 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Revised Loan Estimate Delivery Date Test (prior to consummation) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Appraisal Delivery to the Borrower is Greater than 3 days Prior to Consummation (12 CFR 1026.35(c)(6)) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***44*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Finance Charge Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;40 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***42*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property Issue(s) are Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |

---

**Event Grade Definitions**

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

---

---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.15

[GCAT Depositor V LLC ABS-15G](gcat-abs15g.htm)

**Exhibit 99.15**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| 520024839 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has X.XX years on job. A | A | A | A | A | A | A | A | A | A | A |
| 520024839 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has X.XX years on job. A | A | A | A | A | A | A | A | A | A | A |
| 520024839 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has X.XX years on job. A | A | A | A | A | A | A | A | A | A | A |
| 503946976 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($100.00) exceed the comparable charges ($60.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130 Cure required. Refund in the amount of $34, cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The file is missing a valid COC to support the following fee increase: - The Recording Fee increased from $60 to $100 on the revised LE dated XX/XX/XXXX.<br>The file does not contain a valid COC for the increase of this fee. <br>| Document Uploaded. recording not over XXX$ on final CD. <br> ; This was address on the LE- title fees. | 06/09/2025 | PCCD provided; exception resolved; PCCD provided; exception resolved; COC provided but is deemed invalid since there is no detail of a valid reason for the recording fee increase. Please provide a cure package for $XXX. | 06/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has X.XX years on job. A | C A | C A | C A | C A | C A | A | A | A | A | A |
| 503946976 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has X.XX years on job. A | C A | C A | C A | C A | C A | A | A | A | A | A |
| 503946976 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has X.XX years on job. A | C A | C A | C A | C A | C A | A | A | A | A | A |
| 593391962 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | The subject property is XXX units. The lease for unit XXX was expired and there was no evidence it converted to a month-to-month tenancy. | Document Uploaded. | 06/09/2025 | Explanation provided is sufficient. Exception resolved. | 06/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A D | A D | A D | A D | A | A | A | A | A | A |
| 593391962 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A D | A D | A D | A D | A | A | A | A | A | A |
| 593391962 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A D | A D | A D | A D | A | A | A | A | A | A |
| 541954517 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Acknowledged | FPRO3678 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Appraisal indicates that the subject was on the market until XX/XX/XXXX and application date is XX/XX/XXXX. Lender guidelines for cash out refinance require the subject be off the market prior to application date, which does not meet guidelines, as property was listed after application date. | Document Uploaded. | 06/09/2025 | Appraisal indicates that the subject was on the market until XX/XX/XXXX and application date is XX/XX/XXXX. Lender guidelines for cash out refinance require the subject be off the market prior to application date, which does not meet guidelines, as property was listed after application date, However, the lender provided guidelines exception approval via trailing docs allowing the loan to be processed based on the following compensating factors: | 06/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 541954517 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 541954517 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 512855259 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCRE1174 | Credit | HO6 Master Insurance Policy is Partial | HO-6 Master Insurance Policy Partially Provided Master insurance policy is missing building coverage amounts and liability coverage amounts. Lender to provide Master Insurance policy declaration page that provides building coverage amounts and liability coverage amounts. | Document Uploaded. ; Document Uploaded. | 06/09/2025 | Documentation provided is sufficient. Exception resolved.; HO-6 Master Insurance Policy is fully present; Documentation provided is insufficient. There are no building and liability coverages requested below. Exception remains. | 07/14/2025 | Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | A D | A D | A D | A D | A | A | A | A | A | A |
| 512855259 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/04/2025 | Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | A D | A D | A D | A D | A | A | A | A | A | A |
| 512855259 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/04/2025 | Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | A D | A D | A D | A D | A | A | A | A | A | A |
| 535615191 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/04/2025 | Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of X.XX% is less than Guideline DTI of XX% A | A | A | A | A | A | A | A | A | A | A |
| 535615191 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/04/2025 | Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of X.XX% is less than Guideline DTI of XX% A | A | A | A | A | A | A | A | A | A | A |
| 535615191 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/04/2025 | Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of X.XX% is less than Guideline DTI of XX% A | A | A | A | A | A | A | A | A | A | A |
| 528553952 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/04/2025 | A | A | A | A | A | A | A | A | A | A | A |
| 528553952 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/04/2025 | A | A | A | A | A | A | A | A | A | A | A |
| 528553952 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/04/2025 | A | A | A | A | A | A | A | A | A | A | A |
| 505581037 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | A | A | A | A | A | A | A | A | A | A |
| 505581037 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | A | A | A | A | A | A | A | A | A | A |
| 505581037 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | A | A | A | A | A | A | A | A | A | A |
| 549275442 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A |
| 549275442 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A |
| 549275442 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A |
| 543458579 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/05/2025 | A | A | A | A | A | A | A | A | A | A | A |
| 543458579 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/05/2025 | A | A | A | A | A | A | A | A | A | A | A |
| 543458579 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/05/2025 | A | A | A | A | A | A | A | A | A | A | A |
| 572551026 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure required. Refund in the amount of $XXX, cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The file is missing a valid COC to support the following fee increase:<br>- The Credit Report Fee increased from $XXX to $XXX on the revised LE, dated XX/XX/XXXX, and was reduced to $XXX on the final CD, dated XX/XX/XXXX.<br>The file does not contain a valid COC for the increase of this fee. <br> This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | 06/23/2025 | Cure package provided, exception downgraded to a 2/B | 06/24/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 572551026 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 572551026 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 578591066 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Valid. | Document Uploaded. | 06/06/2025 | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided.; Documentation provided is sufficient. Exception resolved. | 07/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A C | A C | A C | A C | A | A | A | A | A | A |
| 578591066 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A C | A C | A C | A C | A | A | A | A | A | A |
| 578591066 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A C | A C | A C | A C | A | A | A | A | A | A |
| 548016604 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. | Document Uploaded. | 06/09/2025 | Documentation provided is sufficient. Exception resolved.; Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided. | 07/14/2025 | Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | A C | A C | A C | A C | A | A | A | A | A | A |
| 548016604 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/06/2025 | Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | A C | A C | A C | A C | A | A | A | A | A | A |
| 548016604 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/06/2025 | Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | A C | A C | A C | A C | A | A | A | A | A | A |
| 522839130 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The Preliminary Title report dated XX/XX/XXXX reflected 2 liens for unsecured property taxes totaling $XXX. Missing confirmation this debt was paid and/or cleared from title. | Document Uploaded. | 06/09/2025 | Documentation provided is sufficient. Exception resolved. | 06/10/2025 | C A | A C | A C | A C | A C | A | A | A | A | A | A |
| 522839130 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/06/2025 | C A | A C | A C | A C | A C | A | A | A | A | A | A |
| 522839130 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/06/2025 | C A | A C | A C | A C | A C | A | A | A | A | A | A |
| 520919467 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Final 1003, Section4b, reflects there is another 1st lien on the subject property with a monthly payment of $XXX per month. | Document Uploaded. | 06/09/2025 | The Final 1003 is Present; Documentation provided is sufficient. Exception resolved. | 07/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% D A | A D | A D | A D | A D | A | A | A | A | A | A |
| 520919467 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% D A | A D | A D | A D | A D | A | A | A | A | A | A |
| 520919467 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% D A | A D | A D | A D | A D | A | A | A | A | A | A |
| 500109358 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.X% is less than Guideline LTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.X% is less than Guideline CLTV of XX% A | A | A | A | A | A | A | A | A | A | A |
| 500109358 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.X% is less than Guideline LTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.X% is less than Guideline CLTV of XX% A | A | A | A | A | A | A | A | A | A | A |
| 500109358 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.X% is less than Guideline LTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.X% is less than Guideline CLTV of XX% A | A | A | A | A | A | A | A | A | A | A |
| 503893178 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/09/2025 | A | A | A | A | A | A | A | A | A | A | A |
| 503893178 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/09/2025 | A | A | A | A | A | A | A | A | A | A | A |
| 503893178 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/09/2025 | A | A | A | A | A | A | A | A | A | A | A |
| 596033619 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/09/2025 | A | A | A | A | A | A | A | A | A | A | A |
| 596033619 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/09/2025 | A | A | A | A | A | A | A | A | A | A | A |
| 596033619 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/09/2025 | A | A | A | A | A | A | A | A | A | A | A |
| 503749465 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/09/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% A | A | A | A | A | A | A | A | A | A | A |
| 503749465 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/09/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% A | A | A | A | A | A | A | A | A | A | A |
| 503749465 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/09/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% A | A | A | A | A | A | A | A | A | A | A |
| 564809562 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Acknowledged | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The borrower's investment property had a $XXX HOA dues payment that was not included in lender's calculation. | Document Uploaded. ; Document Uploaded. | 07/03/2025 | DTI exceeds guideline maximum of XXX%. However, an exception request was granted citing compensating factors of excellent credit history/minimal use of consumer credit, excessive reserves and significant residual income. Acknowledged and downgraded.; The $XXX HOA amount is for the REO property, which should be a -$XXX, and the subject PITIA should include the $XXX HOA amount for a total of $XXX. The SSI amounts were grossed up, but leaving the asset assist amount at $XXX leaves the DTI at XXX%. However, there are additional assets which could increase the asset assist figure. Please re-visit this calculation and revise the 1008 and 1003 to reflect the new calculations. Exception remains. | 07/07/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% A | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 564809562 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/07/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | TILA 130b Cure required. Refund in the amount of $XXX, cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The file is missing a valid COC to support the following lender credit reduction:<br>- The Lender credits decreased from $XXX to $XXX on the revised CD dated XX/XX/XXXX.<br>The file contains a COC dated XX/XX/XXXX, which reflected the reason for the decrease as "Other." This reason is not considered to be a valid reason for the decrease in the Lender Credits.<br>This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | 06/11/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 06/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% A | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 564809562 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/09/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% A | C A | C A | C A | C A | C B A | A B | A B | A B | A B | A |
| 539833646 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A |
| 539833646 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A |
| 539833646 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A |
| 561246255 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/09/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% A | A | A | A | A | A | A | A | A | A | A |
| 561246255 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/09/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% A | A | A | A | A | A | A | A | A | A | A |
| 561246255 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/09/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% A | A | A | A | A | A | A | A | A | A | A |
| 559573379 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/09/2025 | Borrower has stable job time - Borrower has XX.XX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of X.XX% is less than Guideline DTI of XX% A | A | A | A | A | A | A | A | A | A | A |
| 559573379 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/09/2025 | Borrower has stable job time - Borrower has XX.XX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of X.XX% is less than Guideline DTI of XX% A | A | A | A | A | A | A | A | A | A | A |
| 559573379 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/09/2025 | Borrower has stable job time - Borrower has XX.XX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of X.XX% is less than Guideline DTI of XX% A | A | A | A | A | A | A | A | A | A | A |
| 505942619 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | 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. Documentation Required - missing proof borrower received revised LE at least 4 days prior to consummation | Document Uploaded. | 06/10/2025 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 06/10/2025 | Borrower has stable job time - Borrower has X.XX years on job. C A | C A | C A | C A | C A | C A | A | A | A | A | A |
| 505942619 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/09/2025 | Borrower has stable job time - Borrower has X.XX years on job. C A | C A | C A | C A | C A | C A | A | A | A | A | A |
| 505942619 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/09/2025 | Borrower has stable job time - Borrower has X.XX years on job. C A | C A | C A | C A | C A | C A | A | A | A | A | A |
| 544035057 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% A | A | A | A | A | A | A | A | A | A | A |
| 544035057 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% A | A | A | A | A | A | A | A | A | A | A |
| 544035057 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% A | A | A | A | A | A | A | A | A | A | A |
| 548834868 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A |
| 548834868 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A |
| 548834868 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A |
| 514756023 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 07/30/2025 | Resolved | FCOM3530 | Compliance | Higher-Priced Mortgage Loan Appraisal Delivery to the Borrower is Greater than 3 days Prior to Consummation (12 CFR 1026.35(c)(6)) | Confirmation of Appraisal delivery date to the borrower of XX/XX/XXXX is less than XXX days prior to consummation of XX/XX/XXXX. Please provide evidence borrower received a copy of the appraisal at least XXX days prior to consummation | Document Uploaded. See Uploaded Appraisal Delivery confirmation dated XX/XX/XXXX; Document Uploaded. See uploaded ECOA Timing Waiver; Document Uploaded. See Provided Appraisal Delivery Email to the Borrower. | 08/13/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.; Lender provided appraisal waiver and verification of Borrower's receipt of appraisal on XX/XX/XXXX, which is not 3 days prior to consummation. For HPML loans the appraisal must be delivered 3 days prior to consummation. Condition retained.; Confirmation of Appraisal delivery date to the borrower of XX/XX/XXXX is less than 3 days prior to consummation of 07-17-2025. Please provide evidence borrower received a copy of the appraisal at least 3 days prior to consummation | 08/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has X.XX years on job. A | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 514756023 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 07/30/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML not compliant- Appraisal requirement not met This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Document Uploaded. See Uploaded Appraisal Delivery confirmation dated XX/XX/XXXX; Document Uploaded. See uploaded ECOA Timing Waiver | 08/13/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.; Lender provided appraisal waiver and verification of Borrower's receipt of appraisal on XX/XX/XXXX, which is not 3 days prior to consummation. For HPML loans the appraisal must be delivered 3 days prior to consummation. Condition retained. | 08/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has X.XX years on job. A | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 514756023 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 07/30/2025 | Rescinded | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, an Proof of Delivery or Valid COC. The tolerance is due to the increase in transfer taxes on the initial CD without a valid COC. The loan amount and sales price did not increase This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). |  |  | Cure provided at consummation; Exception resolved; Cure provided at consummation; Exception resolved | 08/14/2025 | C A | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 514756023 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 07/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has X.XX years on job. A | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 514756023 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 07/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has X.XX years on job. A | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 517445324 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/31/2025 | Borrower has stable job time - Borrower has XX.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 517445324 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/31/2025 | Borrower has stable job time - Borrower has XX.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 517445324 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/31/2025 | Borrower has stable job time - Borrower has XX.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 565818923 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has X.XX years on job. A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 565818923 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has X.XX years on job. A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 565818923 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has X.XX years on job. A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 514732601 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/31/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b cure required<br> Refund in the amount of $XXX requires a PCCD, LOE, Copy of refund check and proof of delivery OR Valid COC. The loan was completed with a TRID review as the personal use of debt paid off was more than XXX% of the cash out to the borrower.<br> The zero tolerance violation is due to the increase in the Discount Point Fee of $XXX on the LE dated XX/XX/XXXX and the transfer tax fee of $XXX on the Final CD dated XX/XX/XXXX (the COC dated XX/XX/XXXX stated that the loan amount changed causing the fee to increase, however there was no increase noted) | Document Uploaded. See Uploaded Refund check, LOE and Tracking receipt; Document Uploaded. See Uploaded LOX for refund and PCCD; Document Uploaded. See uploaded Lender LOX | 08/26/2025 | Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided a PCCD and request for refund. Please provide LOE and copy of refund check. Condition retained.; Updated cure amount to $XXX. The transfer taxes increased from $XXX on the initial LE to $XXXon the final CD but the increase was not disclosed timely. The loan amount increased with the LE dated XX/XX/XXXX but the transfer taxes did not increase until the final Cd; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | 08/27/2025 | Borrower has stable job time - Borrower has XX.XX years on job. Borrower has XX.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX 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 | N/A B | N/A |
| 514732601 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/31/2025 | Borrower has stable job time - Borrower has XX.XX years on job. Borrower has XX.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX 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 | N/A B | N/A |
| 514732601 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/31/2025 | Borrower has stable job time - Borrower has XX.XX years on job. Borrower has XX.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX 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 | N/A B | N/A |
| 532853743 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/31/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing A verbal verification of employment is required for each borrower using employment or self-employment income to qualify. | Income Type is Asset Utilization, Self Employment Business income is not used to qualify. Business Tax Returns not required. | 08/05/2025 | Audit reviewed Lender's response and has determined the income used in qualification is asset utilization; therefore, a VVOE would not be required. Condition resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 08/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XX.XX years on job. A | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 532853743 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/31/2025 | Resolved | FCRE1322 | Credit | Borrower 1 Business Tax Returns Missing | Borrower 1 Business Tax Returns Missing File is missing the signed 1120S and K-1 to verify percentage of ownership for XXX. Additional conditions may apply. | Income Type is Asset Utilization, Self Employment Business income is not used to qualify. Business Tax Returns not required. | 08/05/2025 | Audit reviewed Lender's response and has determined the income used in qualification is asset utilization; therefore, tax returns would not be required. Condition resolved.; Borrower 1 Business Tax Returns Provided | 08/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XX.XX years on job. A | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 532853743 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XX.XX years on job. A | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 532853743 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XX.XX years on job. A | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 557657956 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/01/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant- Appraisal requirement met This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | 08/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XX.X% is less than Guideline DTI of XX% Calculated DTI of XX.X% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XX.XX years on job. Borrower has XX.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 557657956 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/01/2025 | Cured | finding-651 | Compliance | TILA Finance Charge Test | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is understated by more than $XXX. Fees included in test are the $XXX Admin, $XXX flood, $XXX MERS, $XXX Third Party processing, $XXX tax service, $XXX E - Recording, $XXX Settlement, $XXX courier and $XXX prepaid interest. TILA 130b Cure Required. Refund in the amount of $XXX Per SFA guidance, a cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery . | Document Uploaded. Please see copy of the $XXX check, lox, pccd, and tracking; Document Uploaded. Client disagreed with finding- please see their attached compliance report | 08/07/2025 | Received copy of PCCD with LOE, Copy of refund check and proof of tracking for delivery. Exception cured.; Received copy of PCCD with LOE, Copy of refund check and proof of tracking for delivery. Exception cured.; Per the provided compliance report, the prepaid finance charges and interest on the loan total $XXX. The disclosed finance charge of $XXX is not considered accurate when compared to the finance charge of $XXX because it is overstated by more than $XXX. Per the compliance report in the loan file, dated XX/XX/XXXX, it appears the appraisal fee of $XXX was included in the finance charge calculation, along with the documentation preparation fee of $XXX, however the administrative fee of $XXX was excluded from the finance charge calculation. TILA 130b Cure Required. Refund in the amount of $XXX Per SFA guidance, a cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. | 08/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XX.X% is less than Guideline DTI of XX% Calculated DTI of XX.X% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XX.XX years on job. Borrower has XX.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 557657956 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/01/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Document Uploaded. fraud report uploaded | 08/06/2025 | Lender provided Third Party Fraud Report. Condition cleared. | 08/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XX.X% is less than Guideline DTI of XX% Calculated DTI of XX.X% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XX.XX years on job. Borrower has XX.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 557657956 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/01/2025 | Resolved | FVAL3825 | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. FEMA declared XXX in a disaster area (XXX) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage, however the appraisal date is prior to the FEMA release date. A Post Disaster Inspection is required. | Document Uploaded. See uploaded Disaster Area Inspection | 08/04/2025 | Lender provided PCI dated XX/XX/XXXX, post Incident End date of XX/XX/XXXX and reflects there was no damage to property. Condition cleared.; Property Inspection Provided. | 08/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XX.X% is less than Guideline DTI of XX% Calculated DTI of XX.X% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XX.XX years on job. Borrower has XX.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 563182215 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/01/2025 | Borrower has stable job time - Borrower has XX.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 563182215 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/01/2025 | Borrower has stable job time - Borrower has XX.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 563182215 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 08/01/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant- Appraisal requirement met This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | 08/01/2025 | Borrower has stable job time - Borrower has XX.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 537364483 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. Informational |  |  | Informational | 08/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 537364483 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 537364483 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 529206663 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/04/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing CDA, as the CU score is 2.6. | Document Uploaded. See uploaded CDA | 08/25/2025 | CDA dated XX/XX/XXXX with value of $XXX was provided and is within XXX% tolerance of appraisal value of $XXX. Condition cleared.; Third party valuation product provided within tolerance. | 08/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XX.XX years on job. Borrower has XX.XX years on job. A | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 529206663 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/04/2025 | Resolved | FCOM1227 | Credit | PUD Rider is Missing | PUD Rider is Missing Per appraisal, the subject property is a PUD. PUD Rider is missing. | Document Uploaded. See uploaded PUD rider. | 08/25/2025 | Lender provided PUD Rider. Condition cleared.; The PUD Rider is Present or is Not Applicable (Property Type is PUD) | 08/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XX.XX years on job. Borrower has XX.XX years on job. A | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 529206663 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XX.XX years on job. Borrower has XX.XX years on job. A | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 569200625 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% Calculated LTV of XX.XX% is less than Guideline LTV of XX% A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 569200625 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% Calculated LTV of XX.XX% is less than Guideline LTV of XX% A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 569200625 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 08/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% Calculated LTV of XX.XX% is less than Guideline LTV of XX% A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 571208312 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.X% is less than Guideline LTV of XX% Calculated LTV of XX.X% is less than Guideline LTV of XX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.X% is less than Guideline CLTV of XX% Calculated CLTV of XX.X% is less than Guideline CLTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 571208312 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.X% is less than Guideline LTV of XX% Calculated LTV of XX.X% is less than Guideline LTV of XX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.X% is less than Guideline CLTV of XX% Calculated CLTV of XX.X% is less than Guideline CLTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 571208312 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 08/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.X% is less than Guideline LTV of XX% Calculated LTV of XX.X% is less than Guideline LTV of XX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.X% is less than Guideline CLTV of XX% Calculated CLTV of XX.X% is less than Guideline CLTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 507462103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/06/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Title Coverage Amount of $XXX is less than total amount of Subject Lien of $XXX. | Document Uploaded. See uploaded Title Report reflecting proposed insured $XXX | 08/08/2025 | Lender provided Title with coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX | 08/11/2025 | B A | N/A B | N/A B | N/A B | N/A B | N/A | N/A | N/A | N/A | N/A | N/A |
| 507462103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/07/2025 | B A | N/A B | N/A B | N/A B | N/A B | N/A | N/A | N/A | N/A | N/A | N/A |
| 507462103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/07/2025 | B A | N/A B | N/A B | N/A B | N/A B | N/A | N/A | N/A | N/A | N/A | N/A |
| 543325834 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/07/2025 | Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 543325834 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/07/2025 | Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 543325834 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/07/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))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. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. |  |  | Informational | 08/07/2025 | Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 572870319 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/11/2025 | Borrower has stable job time - Borrower has X.XX years on job. Borrower has X.XX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% Calculated LTV of XX% is less than Guideline LTV of XX%<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% Calculated CLTV of XX% is less than Guideline CLTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 572870319 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 08/11/2025 | Borrower has stable job time - Borrower has X.XX years on job. Borrower has X.XX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% Calculated LTV of XX% is less than Guideline LTV of XX%<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% Calculated CLTV of XX% is less than Guideline CLTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 572870319 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/11/2025 | Borrower has stable job time - Borrower has X.XX years on job. Borrower has X.XX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% Calculated LTV of XX% is less than Guideline LTV of XX%<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% Calculated CLTV of XX% is less than Guideline CLTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 581447739 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/11/2025 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Missing the list of Homeownership Counselors within 3 days of the application date. | Document Uploaded. See Uploaded Homeownership Counseling Disclosure. | 08/15/2025 | Homeownership Counseling Disclosure Is Present or Not Applicable | 08/16/2025 | Borrower has stable job time - Borrower has XX.XX years on job. Borrower has XX.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | N/A B | N/A B | N/A B | N/A B | N/A | N/A | N/A | N/A | N/A | N/A |
| 581447739 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/11/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Please provide the ABD for the lender. | Document Uploaded. See Uploaded Affiliated Business Disclosure | 08/15/2025 | Required Affiliated Business Disclosure Documentation Provided | 08/16/2025 | Borrower has stable job time - Borrower has XX.XX years on job. Borrower has XX.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | N/A B | N/A B | N/A B | N/A B | N/A | N/A | N/A | N/A | N/A | N/A |
| 581447739 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 08/11/2025 | Borrower has stable job time - Borrower has XX.XX years on job. Borrower has XX.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | N/A B | N/A B | N/A B | N/A B | N/A | N/A | N/A | N/A | N/A | N/A |
| 581447739 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/11/2025 | Borrower has stable job time - Borrower has XX.XX years on job. Borrower has XX.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | N/A B | N/A B | N/A B | N/A B | N/A | N/A | N/A | N/A | N/A | N/A |
| 502779173 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 502779173 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 502779173 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 08/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 598611612 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 598611612 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 08/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 598611612 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.16

[GCAT Depositor V LLC ABS-15G](gcat-abs15g.htm)

**Exhibit 99.16**

---

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| **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** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 520024839 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 503946976 | XXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.6 | 76.6 | $XXX | XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 593391962 | XXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 66.39 | 66.39 | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 541954517 | XXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 | $XXX | XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 512855259 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 535615191 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 528553952 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | XXX | .0331 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0331 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0331 | XXX | Adequate | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 505581037 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 549275442 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 543458579 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .1079 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX | $XXX | 10.79% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 572551026 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 46.35 | 46.35 | $XXX | XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 578591066 | XXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 548016604 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 522839130 | XXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.87 | 69.87 | $XXX | XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 520919467 | XXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 57.82 | 57.82 | $XXX | XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 500109358 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.8 | 69.8 | $XXX | XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 503893178 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.63 | 74.63 | $XXX | XXX | -.0101 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0101 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 596033619 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 503749465 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 564809562 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.54 | 58.54 | $XXX | XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 539833646 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 561246255 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 559573379 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 505942619 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 544035057 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 44.23 | 44.23 | $XXX | XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 548834868 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Excellent | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 514756023 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 517445324 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |
| 565818923 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 514732601 | XXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.95 | 60.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 532853743 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 1 |  |
| 557657956 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 563182215 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 537364483 | XXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 529206663 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | 0.0 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 569200625 | XXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 39.45 | 39.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 571208312 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 62.5 | 62.5 | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 507462103 | XXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 543325834 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 572870319 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 581447739 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | XXX | -.0500 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0500 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| 502779173 | XXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 51.69 | 51.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 598611612 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | 0 | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |

---

## Exhibit 99.17

[GCAT Depositor V LLC ABS-15G](gcat-abs15g.htm)

**Exhibit 99.17**

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** |
| 520024839 | XXXXX | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 503946976 | XXXXX | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 593391962 | XXXXX | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 541954517 | XXXXX | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A B |
| 512855259 | XXXXX | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 535615191 | XXXXX | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 528553952 | XXXXX | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 505581037 | XXXXX | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 549275442 | XXXXX | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 543458579 | XXXXX | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 572551026 | XXXXX | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 578591066 | XXXXX | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 548016604 | XXXXX | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 522839130 | XXXXX | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 520919467 | XXXXX | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 500109358 | XXXXX | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 503893178 | XXXXX | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 596033619 | XXXXX | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 503749465 | XXXXX | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 564809562 | XXXXX | $XXXXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 539833646 | XXXXX | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 561246255 | XXXXX | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 559573379 | XXXXX | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 505942619 | XXXXX | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 544035057 | XXXXX | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 548834868 | XXXXX | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 514756023 | XXXXX | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 517445324 | XXXXX | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 565818923 | XXXXX | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 514732601 | XXXXX | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 532853743 | XXXXX | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 557657956 | XXXXX | $XXXXXX D | C | C | C | C | C D A | B | B | B | B | B A |
| 563182215 | XXXXX | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 537364483 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 529206663 | XXXXX | $XXXXXX D | A | A | A | A | A C D | A | A | A | A | A |
| 569200625 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 571208312 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 507462103 | XXXXX | $XXXXXX B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A |
| 543325834 | XXXXX | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 572870319 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 581447739 | XXXXX | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 502779173 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 598611612 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.18

[GCAT Depositor V LLC ABS-15G](gcat-abs15g.htm)

**Exhibit 99.18**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AG Loan ID** | **Loan Number** | **ULI** | **Settlement Date** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **UW Guideline Matrix Name** | **UW Guideline Matrix Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Application Date** | **Note Date** | **Maturity Date** | **Loan Status** | **Loan Type** | **Product Type** | **Agency ID** | **TRID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification level** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 3 Original FICO Equifax** | **Borrower 3 Original FICO Experian** | **Borrower 3 Original FICO Transunion** | **Borrower 4 Original FICO Equifax** | **Borrower 4 Original FICO Experian** | **Borrower 4 Original FICO Transunion** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Documentation Type** | **Delayed Financing Flag** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Business & Personal Bank Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Months of Profit and Loss Statements** | **CPA Letter Flag** | **Expense letter Flag** | **Number of Months CPA Verified Income** | **WVOE Flag** | **Number of Months WVOE** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **1- year Tax Return Flag** | **Years of Tax Transcripts** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Front HTI Ratio** | **Back DTI Ratio** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Liquid Assets** | **Total Assets** | **Reserves** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior bankruptcy Discharge Date** | **Ever In Foreclosure** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **APR** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Total Subject Housing Fully Indexed** | **Qualifying Fully Indexed P&I** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Silent Second Lien Flag** | **Second Lien Amount** | **Lease in Place 1007/Lease in file** | **Market Rents** | **Subject Rental Income** | **Approved DSCR** | **Investment/No Ratio DSCR** | **LLC Flag** | **LLC Name** | **Short Term Rental** | **Declining Market** | **Guarantor** | **Units** | **Borrower SSN** | **Co Borrower SSN** | **Tax Payment** | **Residual Income** | **Times 30 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 60 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 90 Days DQ on 12 Prior Months of Current Mortgage History** | **Condo Project Classification** | **Default Note Rate Provision** | **MERS Number** |
| 520024839 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | 716 |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 76 | 2 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 503946976 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Curative | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 711 |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 593391962 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | 759 |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 541954517 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | 735 |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |
| 512855259 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | 678 |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 535615191 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | 734 |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 35.00 |  |  |  | Yes | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  | XXX | XXX | 00 | 0 | 0 |  | No | XXX |
| 528553952 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | 741 |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 505581037 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | 706 |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 549275442 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No | No |  |  | 800 |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 543458579 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | 731 |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 572551026 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | 793 |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Total Asset Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 578591066 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 789 |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 548016604 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Yes |  |  | 763 |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Audited | 84 | Yes | No | 126 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 522839130 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | 709 |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 520919467 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | 781 |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 500109358 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 788 |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 503893178 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | 694 |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 596033619 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | 700 |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | Yes | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 503749465 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | 700 |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 |  |  |  | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 564809562 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 707 |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 1 | 1 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 539833646 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | 785 |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 561246255 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | 766 |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | Yes | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 559573379 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | 743 |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 253 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 505942619 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | 712 |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 60.00 |  | Audited | 12 | Yes | No | 72 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 544035057 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | 807 |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 548834868 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | 800 |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | Yes | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |
| 514756023 | XXXXX | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | 738 |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 74 | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 517445324 | XXXXX |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | 744 |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  | Borrower Prepared | 3 | Yes | No | 17 | No |  | 1 | 0 | No | 1 | 1 | 1 | 2 | XXX | XXX | 4 - Verified 2+ Mos | 4 - Verified 2+ Mos | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 565818923 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | 710 |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 514732601 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | 708 |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 251 | 2 | 0 | No | 1 | 1 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 532853743 | XXXXX |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | 744 |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 557657956 | XXXXX |  | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | 779 |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  | XXX | XXX |  |  |  |  | No | XXX |
| 563182215 | XXXXX | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | 775 |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX | 4 - Verified 2+ Mos |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 537364483 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | 767 |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 529206663 | XXXXX |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 801 |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 569200625 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 707 |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 571208312 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | 769 |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 507462103 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | 727 |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 543325834 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | 784 |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX | 3 - Verified<2Mos |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 572870319 | XXXXX |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | 687 |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 60 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |
| 581447739 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | 763 |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  |  | 100.00 |  |  | Yes | Yes | 24 | Yes | 300 | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 502779173 | XXXXX |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | 789 |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 598611612 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 808 |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |

---

## Exhibit 99.19

[GCAT Depositor V LLC ABS-15G](gcat-abs15g.htm)

**Exhibit 99.19**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 520024839 | XXXXX | Borrower 1 Citizen | XXX | XXX | Citizenship verified via docs provided. |
| 503946976 | XXXXX | Borrower 1 Citizen | XXX | XXX | Citizenship verified via docs provided. |
| 503946976 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 593391962 | XXXXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per final CD |
| 593391962 | XXXXX | Cash out Include Debt Paid at Close | XXX | XXX | Per final CD |
| 593391962 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 541954517 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 512855259 | XXXXX | Borrower 1 Citizen | XXX | XXX | Citizenship verified via docs provided. |
| 512855259 | XXXXX | Borrower 1 FTHB | true | N | Borrower is a FTHB. |
| 512855259 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 528553952 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 505581037 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 549275442 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 543458579 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 572551026 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 578591066 | XXXXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 578591066 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 548016604 | XXXXX | Borrower 1 FTHB | true | Y | Mapping issue. |
| 548016604 | XXXXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Disbursement date verified on final CD XX/XX/XXXX. |
| 548016604 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 522839130 | XXXXX | Cash out Include Debt Paid at Close | XXX | XXX | Per Final CD |
| 522839130 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 520919467 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 500109358 | XXXXX | Qualifying FICO | 788 | 772 | Per Guideline and Credit Report |
| 500109358 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 503749465 | XXXXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Disbursement date verified. |
| 503749465 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 564809562 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 539833646 | XXXXX | Borrower 1 FTHB | true | N | Per Final 1003 |
| 539833646 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 561246255 | XXXXX | Borrower 1 Citizen | XXX | XXX | Citizenship verified via docs provided. |
| 505942619 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 544035057 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 581447739 | XXXXX | Borrower 1 Origination FICO | 763 | 733 | Per credit report, middle score is 733 and entered in the system. |
| 598611612 | XXXXX | Borrower 1 Origination FICO | 811 | 808 | Per credit report, middle score is 808 and entered in system. |

---

## Exhibit 99.20

[GCAT Depositor V LLC ABS-15G](gcat-abs15g.htm)

**Exhibit 99.20**

![](ex9920001.jpg)

Executive Summary

GCAT 2025-NQM6

(1) Type of Assets.

Covius Real Estate Services, LLC ("CRES") performed the due diligence services described below on behalf of SG Capital Partners LLC (the "Client"). The loans were originated by one Seller and acquired directly (or indirectly) by Blue River Mortgage V LLC through Reliance Letters. The loan reviews were conducted from April 2025 through May 2025.

(2) Number of Assets.

There are 3 assets in the loan population.

(3) Review Process.

The post-closing loan review was graded in accordance with the following NRSRO(s) Third Party Due- Diligence Criteria, in addition to the review grading of "Meets Guidelines" or "Does Not Meet Guidelines":

---

| | |
|:---|:---|
| &nbsp;&nbsp;**NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● US RMBS Rating Methodology, dated December 7, 2023 |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Global Methodology And Assumptions: Assessing Pools Of Residential Loans, Jan. 25, 2019<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Global Methodology And Assumptions: Assessing Pools Of Residential Loans-U.S. And Canada Supplement, Feb 21, 2025 |

---

The post-closing review included a re-underwrite of each borrowers' credit, an analysis of the property valuation, and regulatory compliance testing. Post-closing reviews are underwritten to the applicable lender's or client's underwriting guidelines and credit matrices. The review scope and methodology of these different review areas is discussed in subsequent sections of this document.

(4) Sample size of the assets reviewed.

The due diligence review was conducted on 100% of the loan population and consisted of 3 mortgage loans with an aggregate original principal balance of approximately $1,088,000. The mortgage loans originated from March 2025 through April 2025 by two correspondent Sellers.

(5) Asset Review

In connection with the credit re-underwrite, CRES reviewed all origination documentation to determine conformity to the applicable underwriting guidelines and other regulatory requirements described below,

Page 1 of 8

including (if applicable) the Ability to Repay and Qualified Mortgage requirements. Review areas included, but are not limited to:

**Credit Review and Methodology**

**Credit Report**: Analyzed the Borrower's credit report/credit history, confirming that credit scores, liabilities and public records met guideline requirements. Liabilities gathered from the credit report were included in the re-calculation of the debt-to-income ratio as appropriate. In addition the following data was also captured and reviewed to confirm compliance with guideline and ASF reporting requirements: (i) credit report date, (ii) bankruptcy date, (iii) bankruptcy discharge date, (iv) bankruptcy chapter, (v) foreclosure date, (vi) short sell date, (vii) longest trade line (active), (viii) longest trade line balance (active), (ix) months reviewed, (x) number of trade lines, (xi) credit scores, (xii) revolving debts and (xiii) installments debts.

**Loan Application (1003):** Reviewed the Borrower's Loan Application including comparison of initial loan application against the final loan application, or other loan applications found in the file, to identify potential discrepancies. In addition the following data was also captured and reviewed to confirm compliance with guideline and ASF reporting requirements: (i) purpose, (ii) years in primary residence, (iii) number of mortgaged properties (as compared with the credit reports disclosed mortgages), (iv) application date, (v) borrower information (name, date of birth, social security number and number of family members), (vi) borrower's address, (vii) borrower(s)' employment information (including address, years at job, years in field), (vii) monthly income and (ix) citizenship.

**Loan Approval/Exception Form (if applicable):** Reviewed the Lender's approval and Client's exception approval documentation to confirm appropriate risk mitigating factors were present when granting exceptions.

**Sales Contract (if applicable):** Reviewed the sales contract to confirm buyer(s) and seller(s), sales price and property address matches other documents.

**Title:** Reviewed the title policy or commitment to identify possible judgments or other liens that may have existed at origination. In addition, proper vesting and parties (as disclosed on sales contract, note, and deed) were reflected accurately.

**Hazard and Flood Insurance:** Reviewed hazard and flood (if applicable) insurance to ensure policy met the minimum required amount of replacement coverage.

**Leases and Market Rents (DSCR Loans):** Reviewed lease agreements and third-party market rent documents to confirm compliance with Debt-Service-Coverage-Ratio requirements. Note, the documentation that can be used to establish market rents can vary from lender to lender. CRES reviews the market rent source, to ensure compliance with applicable guidelines. In some cases, lenders may not require proof of market rents, if a sourced payment history can be provided along with the lease agreement.

**Assets:** Reviewed (i) bank statements, (ii) verification-of-deposit (VOD) and (iii) stock or security account statements to ensure adequate assets were provided verifying down payment, closing costs and reserves required by the guidelines.

**Guidelines:** Confirmed compliance with applicable underwriting guidelines and determined the qualification of credit and income, assets, property type and usage, LTV/CLTV, and documentation requirements to applicable underwriting guidelines and loan program matrices. Items included, but not limited to: FICO, housing history, bankruptcy and foreclosure seasoning, occupancy, credit grade, loan amounts (minimum and maximum), maximum cash out amount, reserves, residual income, minimum trade lines and debt to service coverage ratio requirements.

Page 2 of 8

Unless otherwise stated in the Lender's or Client's guidelines, Fannie Mae guidelines prevail.

**Property Valuation Review and Methodology**

CRES reviewed the Appraisal for completeness and conformance to industry standards, including requirements set forth in Title XI of FIRREA. The review included both data and description information provided by the appraiser. Review items included: (i) property address and borrower information matches the mortgage note and other critical origination documents, (ii) neighborhood characteristics and housing trends were acceptable and met applicable underwriting guidelines, (iii) site information for zoning compliance and possible adverse site notations reviewed for adverse conditions, FEMA Flood Zone designation matched the Flood Certification, (iv) property type and property description information met applicable underwriting guidelines, (v) comparable sales (sale dates, distance, gross and net adjustments, square footage, and value) met industry standards and were properly bracketed, (vi) comparable size, style, and location were similar to the subject address, (vii) condition of the property was average or better and notable repairs were addressed, (viii) appraisal was made on an "as is" basis or proper evidence of completion was obtained and clearly documented and addressed all "subject to" conditions noted, (ix) subject and comparable photos reviewed to ensure appraisal description information coincides with property pictures and that no visible adverse issues are present that the appraiser did not address, (x) appraisal was completed by a licensed appraiser and (xi) appraisal was completed within the required timing requirements, as disclosed in the applicable underwriting guidelines.

A Fannie Mae UCDP Submission Summary Report with a Collateral Underwriter Risk Score of 2.5 or less or a secondary enhanced desk review product, (such as an ARR from ProTeck or CDA from Clear Capital), from an approved AMC was required on all transactions. In lieu of an enhanced desk review product, a field review or second appraisal from an approved AMC is acceptable. If the Appraisal Review Product value is more than 10% below the appraised value, a second field review or appraisal was required. In certain cases, sellers may include an enhanced desk review product from an approved AMC. All ARR or CDA documentation provided by an approved AMC vendor was recorded by CRES, as an acceptable valuation support option as long as valuations were obtained in accordance with guidelines and through notable AMC vendors. Any loans that did not maintain an enhanced desk review or did not meet the Client's vendor requirements were conditioned and communicated with the Client.

For loans that did not maintain an acceptable enhanced desk review product, CRES ordered an Appraisal Risk Review (ARR) or Collateral Desktop Analysis (CDA) from various Appraisal Management Companies for valuation support. All loans outside of a 10% variance from the original appraised value were identified and communicated to the Client.

If material origination valuation discrepancies could not be resolved an exception was created and the applicable NRSROs valuation grade was recorded.

**Compliance Review Methodology**

All loans in this pool are classified as "business purpose". In such cases compliance TILA and Regulation Z requirements were not tested, as the law's provisions do not apply to an extension of credit if primarily for business or a commercial purpose (12 C.F.R. §1026.3(a); 15 U.S.C. § 1603).

Compliance testing was limited to:

● A review of the Note and Mortgage for accuracy.

Page 3 of 8

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

● Review of Occupancy and Business Purpose Certifications

● State and Federal High Cost and Higher-Priced

● Cook County High-Cost Ordinance

Note that CRES determines the mortgage loan's status under the ATR or QM rule requirements and assigns a proper due diligence mortgage loan designation that is solely based on the documentation available at the time of the review. All the loans in this pool were classified as Not Covered/Exempt: Loans that are not covered by the rule.

*The table below contains the TRID eligible breakdown for the loan population:*

---

| | | |
|:---|:---|:---|
| | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | &nbsp;&nbsp;&nbsp;**Percentage of Population** |
| &nbsp;&nbsp;**Investment/Business Purpose Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3 | &nbsp;&nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Initial Application Date prior to October 3, 2015** | &nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**CRES Level II TRID Review** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;&nbsp;0.00% |

---

**Document Review**

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

● Appraisal.

● Asset documentation.

● Business Purpose Certification (if applicable)

● Changed circumstance documentation.

● Credit report.

● FACTA disclosures.

● Final 1003.

● Final HUD-1/Closing Disclosure(s).

● Hazard and/or flood insurance policies.

● HUD from sale of previous residence.

● Homeownership counseling organizations disclosure.

● Income and employment documentation.

● Initial and final GFE's.

● Initial application (1003).

● Initial escrow disclosure.

● Initial TIL.

● Leases

● Loan Estimate(s).

● Market Rent supporting documentation

● Mortgage Insurance.

● Mortgage/Deed of Trust.

● Note.

● Notice of Special Flood Hazards.

● Sales contract.

● Tangible Net Benefit Disclosure.

● Title/Preliminary Title.

● Written List of Service Providers.

Page 4 of 8

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

(6) Tape
Data Compare

CRES compared data fields on the data tape provided by the Client to the data points disclosed on the actual mortgage loan file documents, as captured by CRES. When data was available, the following data elements were compared:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;Note Type | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Level | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;Original Balance | Purpose |
| &nbsp;&nbsp;FICO | &nbsp;&nbsp;LTV | &nbsp;&nbsp;P&I Payment | QM Type |

---

The seller provided CRES with loan level data regarding the mortgage loans for the data integrity check. CRES received the data directly from the seller through a loan registrations system or via a data tape.

Of the 3 mortgage loans reviewed, two unique mortgage loans had a tape discrepancy across 20 data fields. The following table discloses the number of data discrepancies noted by field name. Note, tape data was not provided on certain field compare values. The fields in which tape data were not available is noted below; however, a data discrepancy was not counted if the seller failed to provide a compare value.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Compare** | &nbsp;&nbsp;**Discrepancy: No** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Discrepancy: Yes** | &nbsp;&nbsp; **Total** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Doc Level | &nbsp;&nbsp;3 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;3 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;FICO | &nbsp;&nbsp;3 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;3 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;3 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;3 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;3 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;P&I Payment | &nbsp;&nbsp;3 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;3 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;3 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;3 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;QM Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. |

---

(7) Credit, Compliance and Property Valuation Results Credit Results Summary

Approximately 100.00% of the mortgage loans by number have a Credit grade of "B" or higher and 66.67% of the mortgage loans by number have a Credit grade of "A".

Page 5 of 8

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 | 66.67% |
| B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 33.33% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3** | **100.00%** |

---

**Compliance Results Summary**

Approximately 100.00% of all mortgage loans by number have a Compliance grade of "A".

---

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

---

**Property Valuation Results Summary**

Approximately 100.00% of the mortgage loans by number have a Valuation grade of "A".

---

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

---

**Overall Results Summary**

Approximately 100.00% of all loans by number received an "A" or "B" overall grade and 66.67% of all loans by number received an overall grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 | 66.67% |
| B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 33.33% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3** | **100.00%** |

---

Page 6 of 8

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

(8) Pool Stratification Summary

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3 | 100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Arm** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Fixed** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3 | 100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Owner Occupied** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Non-Owner Occupied** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3 | 100.00% |
| &nbsp;&nbsp;**Second Home** | 0 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Purchase** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Refi - Cash Out** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 33.33% |
| &nbsp;&nbsp;**Rate Term Refi** | 2 | 66.67% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Single Family** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**PUD** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Condo** | 1 | 33.33% |
| &nbsp;&nbsp;**2-4 Family** | 2 | 66.67% |
| &nbsp;&nbsp;**Co-op** | 0 | 0.00% |
| &nbsp;&nbsp;**Townhome** | 0 | 0.00% |
| &nbsp;&nbsp;**Mixed Use** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DSCR Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| **<0 or** | 0 | 0.00% |
| **0-0.1999** | 0 | 0.00% |
| **0.2-0.3999** | 0 | 0.00% |
| **0.4-0.5999** | 0 | 0.00% |
| **0.6-0.7999** | 0 | 0.00% |
| **0.8-.9999** | 0 | 0.00% |
| **1-1.1999** | 2 | 66.67% |
| **1.2-1.3999** | 1 | 33.33% |
| **1.4-1.5999** | 0 | 0.00% |

---

Page 7 of 8

---

| | | |
|:---|:---|:---|
| **1.6-1.7999** | 0 | 0.00% |
| **1.8-1.9999** | 0 | 0.00% |
| **=>2** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | **3** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan to Value** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**10%-19.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**20%-29.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**30%-39.99%** | 1 | 33.33% |
| &nbsp;&nbsp;**40%-49.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**50%-59.99%** | 1 | 33.33% |
| &nbsp;&nbsp;**60%-69.99%** | 1 | 33.33% |
| &nbsp;&nbsp;**70%-79.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**80%-89.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**90%-100%** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| **CA** | 2 | 66.67% |
| **MA** | 1 | 33.33% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **3** | **100.00%** |

---

Page 8 of 8

## Exhibit 99.21

[GCAT Depositor V LLC ABS-15G](gcat-abs15g.htm)

**Exhibit 99.21**

![](ex99_001.jpg)

**ATR QM Data Fields**

Loans in Report: 3

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Loan Number** | **Alt Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** |
| XXXXXXXXXXX | 536718360 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 593599606 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 550674589 | Not covered/exempt | No | No |
| **3** |  |  |  |  |

---

## Exhibit 99.22

[GCAT Depositor V LLC ABS-15G](gcat-abs15g.htm)

**Exhibit 99.22**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alt Loan Number** | **Tape** | **Audited** | **Field Compare** | **Variance** | **Data Discrepancy Flag** |
| XXXXXXXXX | 536718360 | XXXXXXXXX | XXXXXXXXX | Original Balance | XXXXXXXXX | Yes |
| XXXXXXXXX | 536718360 | XXXXXXXXX | XXXXXXXXX | Appraised Value | XXXXXXXXX | Yes |
| XXXXXXXXX | 550674589 | XXXXXXXXX | XXXXXXXXX | Property City | Yes | Yes |

---

## Exhibit 99.23

[GCAT Depositor V LLC ABS-15G](gcat-abs15g.htm)

**Exhibit 99.23**

**Rating Agency Exceptions Report: 9/29/2025**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Event Level** |
| **Loan Number** | **Loan Number 2** | **Property State** | **Purpose** | **Occupancy** | **Property Type** | **DTI** | **DSCR** | **FICO** | **LTV** | **Note Original Balance** | **Exception ID** | **Exception Type** | **Exception Description** | **Exception Note** | **Exception General Comment** | **Compensating Factors** | **Exception Status** | **Grade** |
| XXXXXXXXXX | 536718360 | XXXXXXXXXX | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.3315 | 649 | 56.65% | XXXXXXXXXX | 300905 | Credit | Eligibilty | According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file. | 04/15/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 593599606 | XXXXXXXXXX | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0 | 1.0035 | 649 | 32.71% | XXXXXXXXXX | 300854 | Credit | Eligibilty | According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file | 04/14/25: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | 593599606 | XXXXXXXXXX | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0 | 1.0035 | 649 | 32.71% | XXXXXXXXXX | 300855 | Credit | Rental Income | No current lease agreements for both units. Tenants are month to month and a new lease was signed XXXX. | 04/14/25: An exception was approved for the guideline deviation. | Months Of Reserves - XXXX months reserves, LTV - 32.71% LTV | Client Accepted B | 2 |
| XXXXXXXXXX | 550674589 | XXXXXXXXXX | Refi - Cash Out | Non-Owner Occupied | Condo Detached | 0 | 1.1468 | 785 | 60.00% | XXXXXXXXXX | 301617 | Credit | Eligibilty | The prepayment penalty term is for XXXX months but the Prepayment Addendum in file is only referencing year XXXX. Provide a revised Prepayment Addendum, signed by the borrower, showing the PPP charge for years XXXX and XXXX. | 6/12/2025: The PPP addendum was provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 550674589 | XXXXXXXXXX | Refi - Cash Out | Non-Owner Occupied | Condo Detached | 0 | 1.1468 | 785 | 60.00% | XXXXXXXXXX | 301646 | Credit | Hazard Insurance | The Property Insurance policy must reflect a minimum of XXXX months of rent loss coverage. | 5/28/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 550674589 | XXXXXXXXXX | Refi - Cash Out | Non-Owner Occupied | Condo Detached | 0 | 1.1468 | 785 | 60.00% | XXXXXXXXXX | 301647 | Credit | Credit | Loan closed in the name of an entity. Provide Certificate of Good Standing or equivalent document and the EIN Tax ID #. | 5/28/2025:The XXXX Identification Number is not the same as the Employer Identification Number (EIN) as the EIN is issued by the IRS. 6/2: Need the document verifying the EIN. 06/05/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| **3** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.24

[GCAT Depositor V LLC ABS-15G](gcat-abs15g.htm)

**Exhibit 99.24**

**Rating Agency Grades: 9/29/2025**

---

| | | |
|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** |
| **Loan Number** | **Alternate Loan ID** | **Note Original Balance** |
| XXXXXXXX | 536718360 | XXXXXXXX C A |
| XXXXXXXX | 593599606 | XXXXXXXX C A B |
| XXXXXXXX | 550674589 | XXXXXXXX C A |

---

## Exhibit 99.25

[GCAT Depositor V LLC ABS-15G](gcat-abs15g.htm)

**Exhibit 99.25**

**ValuationReport**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** |
| **Loan Number** | **Alt Loan Number** | **Origination Date** | **Original Loan Amount** | **LTV** | **Value Used For LTV** | **Sale Price** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Value** | **Variance Amount** | **Variance (%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **CU Score** | **CU Date** |
| XXXXXXXXX | 536718360 | XX/XX/XXXX | XXXXXXXXX | 56.65% | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 593599606 | XX/XX/XXXX | XXXXXXXXX | 32.71% | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 550674589 | XX/XX/XXXX | XXXXXXXXX | 60.00% | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 Fannie Mae | XX/XX/XXXX |

---

## Exhibit 99.26

[GCAT Depositor V LLC ABS-15G](gcat-abs15g.htm)

**Exhibit 99.26**

**EXECUTIVE SUMMARY**

GCAT 2025-NQM6

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence") performed certain due diligence services (the "Review") described below on newly originated residential mortgage loans acquired by Blue River Mortgage V LLC. The Review was conducted in June 2025 for mortgage loans originated in May 2025.

The Review consisted of 100% of the population of 2 loans with an original loan balance of $2,200,000.00.

**Scope of Review**

**Credit Review**

MaxDiligence performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The credit review included the following (collectively, the "Credit Review"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check
 application for completeness. Determine whether the information in the preliminary Loan
 application, final application, and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
 Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare
 data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form
 is Complete, Signed, Dated, on or before loan consummation date, and NMLS is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting
 decision is supported (manual underwrite credit conditions have been satisfied prior
 to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation
 of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation
 of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation
 of DTI calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation
 of DSCR calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation
 of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Validation
 of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. DSCR
 Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 of Hazard coverage and verification that sufficient coverage was in place on subject
 and all premiums were included

![](ex9926001.jpg)

in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Mortgage
 Insurance Certificate was in file, if applicable, and coverage was sufficient, and premium
 was included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review
 of Rental income and /or market rents and validation of DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy
 is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Red
 Flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Verification of Borrower Original and Audit Credit Report (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate
 names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's
 investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable
 credit history and credit score requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms
 OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals
 any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete
 forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate
 history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 employment and income by analyzing income documents and comparing against re-verification
 documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s
 and Paystubs, 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;iii. Transcripts
 (as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax
 Returns and Profit and Loss Statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank
 Statements or other Alternate Income documents as required by the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/Continuing
 Employment, if applicable

![](ex9926001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient
 funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift
 funds verified and met guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete
 and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest
 Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties
 are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller
 contributions are within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 all premiums are included in DTI and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate
 in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient
 Coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Premium
 indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting
 correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien
 position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal
 description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate
 no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 security documents to ensure the Loan was closed in accordance with approval and with
 all required signatures and NMLS identifiers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct
 and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing
 Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right
 to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act.

![](ex9926001.jpg)

For these Loans, Service Provider will (a) Confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) Key Underwriting Factors below that are required pursuant to the ATR rule.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c)) as evaluated
 based on the applicable investor guidelines;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Service
 Provider will review applicable mortgage loans for compliance with the ATR and QM rule
 requirements based upon each mortgage loan's originator designation of QM, Non-QM,
 or exempt from ATR. (Service Provider determines the mortgage loan's status under
 the ATR or QM rule requirements and assigns a due diligence mortgage loan designation.
 Generally, Service Provider notes as a material exception if the due diligence findings
 do not confirm the originator's mortgage loan designation. Additionally, Service
 Provider notes if an originator mortgage loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Service
 Provider utilizes the following designations for applicable loans: QM designations: QM
 Safe-Harbor, Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR
 Compliant, ATR Exempt and ATR Fail.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If
 a mortgage loan was designated as QM, Service Provider reviews the mortgage loan to determine
 whether, based on available information in the mortgage loan file, if the mortgage loan
 satisfied (i), (ii) and (iii) in the preceding paragraph.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For
 each QM designated mortgage loan that satisfied the applicable requirements enumerated
 above, Service Provider then determines whether the mortgage loan is a Safe Harbor QM
 or QM Rebuttable Presumption by

![](ex9926001.jpg)

comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. For
 each QM designated mortgage loan that does not satisfy the applicable requirements enumerated
 above, Service Provider then determines whether the mortgage loan complies with the ATR
 rule consideration and verification requirements, as defined within the applicable underwriting
 guidelines, and provides a due diligence designation of Non-QM indicating compliant,
 ATR risk indicating it may not be compliant, or ATR Fail, indicating it is non-compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Service
 Provider reviews the mortgage loan to determine whether, based on available information
 in the mortgage loan file, the creditor considered, as applicable, the following eight
 underwriting factors, and will verify such information using reasonably reliable third-party
 records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
 / Assets - Recalculate borrower(s)'s monthly gross income, and validate funds required
 to close and required reserves, to Confirm that the borrower has current or reasonably
 expected income or assets (other than the value of the property that secures the Loan)
 that the borrower will rely on to repay the Loan.

● Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment
 - Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly
 Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used
 to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans - Ensure that all concurrent Loans were included in the debt-to-income ratio ("DTI")
 calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related
 Obligations - Validate that the subject Loan monthly payment calculation includes principle,
 interest, taxes, and insurance ("PITI"), as well as other costs related to
 the property such as homeowners' association ("HOA") fees, private
 mortgage insurance ("PMI"), ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI
 / Residual Income - Validate debt-to-income ratio (DTI), or "residual income,"
 based upon all mortgage and non-mortgage obligations, calculated as a ratio of gross
 monthly income, based on documentation provided in the file.

![](ex9926001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit
 History - Review credit report for credit history and required credit depth, including
 any / all inquiries, and Determine a representative credit score from the credit report

**Property Review**

MaxDiligence performed a "Property Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Property Review</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 will include a review of the valuation materials utilized during the origination of the
 loan and in confirming the value of the underlying property. The review will include
 verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On
 the appropriate GSE form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All
 elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure
 all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property
 is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed
 by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed
 such that the named client on the appraisal report is the lender or a related entity
 that is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was
 performed for another lender, the file contains a transfer letter from the original lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The
 original appraisal report is made and signed prior to the final approval of the mortgage
 loan application; Any revisions, if made known to MaxDiligence, to the original report
 are documented and dated completed and dated within the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The
 original appraisal is 'As is' or Inspection received including all inspections,
 licenses, and certificates (including certificates of occupancy) to be made or issued
 with respect to all occupied portions of the mortgaged property and with respect to the
 use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine
 whether the appraised value is supported at or within 10% variance based on a third-party
 valuation product. If a third-party valuation product is in file but notes a variance
 above 10% or an inconclusive value, MaxDiligence will recommend a BPO or field review
 be ordered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With
 regard to the use of comparable properties, review will (a) review the relative comparable
 data (gross and net adjustments, sale dates and distance from subject property) and ensure
 that such comparable properties are within standard appraisal guidelines; (b) confirm
 the property value and square footage of the subject property was bracketed by comparable
 properties, (c verify that comparable properties used are

![](ex9926001.jpg)

similar in size, style, and location to the subject, and (d) check for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other
 aspects of the review include (i) verifying that the address matched the mortgage note,
 ((ii) if requested, noting whether the property zip code was declared a FEMA disaster
 area after the valuation date and notifying the Client of same, (iii) confirming the
 appraisal report does not include any apparent environmental problems, (iv) confirming
 the appraisal notes the current use of the property is legal or legal non-conforming
 (grandfathered), (v) reviewing pictures to ensure (a) that the property is in average
 or better condition and any repairs are noted where required and (b) that the subject
 property is the one for which the valuation was ordered and that there are no negative
 external factors; and (vi) confirming that the value product that was used as part of
 the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If
 more than one valuation was provided, reviewer will confirm consistency among the valuation
 products and if there are discrepancies that could not be resolved, MaxDiligence will
 create an exception and work with the client on the next steps which may include ordering
 of additional valuation products such as collateral desktop analyses, broker's
 price opinions, and full appraisals. If the property valuation products included in the
 review result in a variance of more than 10% then the client will be notified of such
 variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. MaxDiligence
 will confirm to the extent possible, that the appraiser and the appraisal made by such
 appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, MaxDiligence
 will review the appraisal for conformity to industry standards, including ensuring the
 appraisal was complete, that the comparable properties and adjustments were reasonable
 and that pictures were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In
 addition, MaxDiligence will access the ASC database to verify that the appraiser, and
 if applicable the appraiser's supervisor, were licensed and in good standing at
 the time the appraisal was completed.

**Compliance Review**

MaxDiligence performed a "Compliance Review" below, which is applicable to Loans originated on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>"). Compliance review excluded business purpose loans.

With regard to TRID testing, MaxDiligence implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the SFA RMBS TRID Grid 4.0 Compliance Review Scope published by the Structured Finance Association (formerly SFIG) (the "SFA RMBS Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of

![](ex9926001.jpg)

review of each mortgage loan. MaxDiligence 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 MaxDiligence continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 the Initial LE and confirm (i) the correct form was used; (ii) all sections of the Initial
 LE are completed; and (iii) the Initial LE accurately reflects the information provided
 to Service Provider

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirm
 initial LE was delivered within three (3) Business Days from the application date, and
 at least seven (7) Business Days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm
 revised LE was delivered within three (3) Business Days from date of the "valid
 reason" giving rise to the Revised LE, and at least four (4) Business Days prior
 to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm
 that certain sections of each LE determined to carry assignee liability were accurately
 completed and that information was reflected in the appropriate locations

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirm
 Initial CD, and any subsequent CD with material changes (i.e. changes that require a
 new waiting period), was received at least three (3) Business Days prior to the consummation
 date. With respect to applicable exception remediation measures for numerical exceptions,
 confirm that a letter of explanation, as well as a refund as applicable, was delivered
 or placed in the mail no later than 60 days after discovery of the exception establishing
 the need for a revised CD or with

![](ex9926001.jpg)

respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented by Regulation Z, 12 C.F.R.
 Part 1026, as set forth below:

Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure
 to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure
 to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors
 in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure
 to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure
 to provide the three (3) Business Day rescission period; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compare the fees disclosed in the final binding LE to those in the final
 CD, and confirm that final CD fees are within the permitted tolerances. Confirm the total
 of payments are considered accurate as defined by Regulation Z. Confirm Finance Charge
 tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>. Review the file to determine (i) whether there is evidence that certain
 changes or errors (per the regulation) were discovered subsequent to closing, (ii) and
 whether the Loan originator followed the prescribed cure. Test for evidence such as a
 copy of the refund check, or a corrected, post-consummation CD (" <u>PCCD</u> "),
 and iii) with respect to applicable exception remediation measures for numerical exceptions,
 confirm that a letter of explanation, as well as a refund as applicable, was delivered
 or placed in the mail no later than 60 days after discovery of the exception establishing
 the need for a revised CD or with respect to exception remediation measures for non-numerical
 exceptions, that a corrected CD was delivered or placed in the mail no later than 60
 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Loan Toolkit (§1026.19)</u>:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Confirm
 Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) Business
 Days after receipt of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>TILA</u>![](ex9926001.jpg)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points
 and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR
 threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 penalty test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance
 with the disclosure requirements, limitation on terms and prohibited acts or practices
 in connection with a high-cost mortgage.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance
 with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With
 respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan
 Originator Compensation and Steering (§1026.36):

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review
 relevant document to determine if there was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review
 the presence of the mortgage loan option disclosure and to determine if the Steering
 Safe Harbor provisions were satisfied.

● Note: Where available, Service Provider 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, Service Provider's review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance
 in jurisdictions where it is prohibited.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 for presence of mortgage loan originator organization and individual mortgage loan originator
 name and NMLSR ID, as applicable, on

![](ex9926001.jpg)

the credit application, note or mortgage loan contract, security instrument, Loan Estimate and Closing Disclosure; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 the data against the NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>RESPA</u>:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 the presence of the Servicing Disclosure Statement form in the mortgage loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 the Servicing Disclosure Statement was provided to the borrower(s) within three (3) Business
 Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the presence of the Your Home Loan Toolkit/Special Information Booklet in the mortgage
 loan file or that the mortgage loan file contains documentary evidence that the disclosure
 was provided to the borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm
 the Your Home Loan Toolkit /Special Information Booklet was provided within three (3)
 Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirm
 the presence of the CHARM booklet when applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirm
 that the CHARM booklet was issued within three (3) Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirm
 the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
 in the event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirm
 the Affiliated Business Arrangement Disclosure was provided no later than three (3) Business
 Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirm
 the Affiliated Business Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Confirm
 the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and
 proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirm
 that the creditor provided the borrower a list of homeownership counselling organizations
 within three (3) Business Days of application; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>ECOA</u>:
 The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002,
 as set forth below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing
 and content of the right to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging
 of a fee for a copy of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing
 of creditor providing a copy of each appraisal or other written valuation; and

![](ex9926001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. iv)
 With respect to a borrower that has waived the three (3) Business Day disclosure requirement,
 confirm that (a) the borrower has signed the waiver or other acknowledgment at least
 three (3) Business Days prior to consummation; and (b) that the lender has provided copies
 of appraisals and other written valuations at or prior to consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas
 Constitution and associated regulations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local
 Predatory Lending:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay
 Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal
 and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Exclusions</u>.
 Service Provider will not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan
 types that are excluded from compliance with TRID.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Technical
 formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other
 Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing
 transfer and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For
 Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after
 January 1, 2016, whether prohibited fees were collected prior to the initial LE being
 issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether
 any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Whether
 the loans comply with all federal, state or local laws, constitutional provisions, regulations
 or ordinances that are not expressly enumerated above.

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading criteria of the relevant NRSROs, 100.00% of the loans received a grade "B" or higher with 100.00% of the pool receiving an Overall "A" grade.

![](ex9926001.jpg)

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

**Exception Category Summary**

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

![](ex9926001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;Property &nbsp;&nbsp;A | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;No Compliance Tests Performed | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Compliance (A) Exceptions*** | &nbsp;&nbsp;***2*** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

As part of the Credit, Property and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

Of the 2 mortgage loans reviewed, 2 unique mortgage loans (by loan count) had a total of 2 different tape discrepancies across 2 data fields (some mortgage loans may have had more than one). A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Qualifying Total Monthly Liabilities | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |

---

![](ex9926001.jpg)

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

![](ex9926001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Property Event Grades** | &nbsp;&nbsp;**Property Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.27

[GCAT Depositor V LLC ABS-15G](gcat-abs15g.htm)

**Exhibit 99.27**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| 570325323 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4337722 | 1 of 3 | 2025-06-04 20:48 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-04 20:48 | Cleared | 1 | 1 | 1 | 1 |
| 570325323 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4337724 | 2 of 3 | 2025-06-04 20:48 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-06-04 20:48 | Cleared | 1 | 1 | 1 | 1 |
| 570325323 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4337727 | 3 of 3 | 2025-06-04 20:48 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-06-04 20:48 | Cleared | 1 | 1 | 1 | 1 |
| 576415850 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4343479 | 1 of 3 | 2025-06-05 13:12 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-06-05 17:14 | Cleared | 1 | 1 | 1 | 1 |
| 576415850 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4343481 | 2 of 3 | 2025-06-05 13:12 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-05 13:12 | Cleared | 1 | 1 | 1 | 1 |
| 576415850 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4347249 | 3 of 3 | 2025-06-05 15:53 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-06-05 15:53 | Cleared | 1 | 1 | 1 | 1 |

---

## Exhibit 99.28

[GCAT Depositor V LLC ABS-15G](gcat-abs15g.htm)

**Exhibit 99.28**

---

| | |
|:---|:---|
| ![Picture](ex99_002.jpg) |  |
| Client | GCAT 2025-NQM6 |
| Transaction | GCAT 2025-NQM6 |
| Date | 10/01/2025 |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** |
| 570325323 |  |  | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 576415850 |  |  | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

---

## Exhibit 99.29

[GCAT Depositor V LLC ABS-15G](gcat-abs15g.htm)

**Exhibit 99.29**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 570325323 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 52.57 | 52.57 | XXXXXX | .00 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | Adequate | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXXXX |
| 576415850 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | .00 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | Adequate | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.30

[GCAT Depositor V LLC ABS-15G](gcat-abs15g.htm)

**Exhibit 99.30**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 | 269 | 271 | 272 | 273 | 274 | 275 | 276 | 277 | 278 | 279 | 280 | 281 | 282 | 283 | 284 | 285 | 286 | 287 | 288 | 289 | 290 | 291 | 292 | 293 | 294 | 295 | 296 | 297 | 298 | 299 | 300 | 301 | 302 | 303 | 304 | 305 | 306 | 307 | 308 | 309 | 310 | 311 | 312 | 313 | 314 |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower1 SSN** | **Borrower2 SSN** | **Borrower 3 SSN** | **Borrower 4 SSN** | **First Time Homebuyer** | **Number of Units** | **Maturity Date** | **Note Type** | **Loan Type** | **Borrower 1 Mailing Street Address** | **Borrower 1 Mailing City** | **Borrower 1 Mailing State** | **Borrower 1 Mailing Zip Code** | **Borrower 2 Mailing Street Address** | **Borrower 2 Mailing City** | **Borrower 2 Mailing State** | **Borrower 2 Mailing Zip Code** | **Borrower 3 Mailing Street** | **Borrower 3 Mailing City** | **Borrower 3 Mailing State** | **Borrower 3 Mailing Zip** | **Borrower 4 Mailing Street** | **Borrower 4 Mailing City** | **Borrower 4 Mailing Zip** | **Borrower 4 Mailing State** | **Prepay Penalty Calculation Description** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 1 Employer** | **Borrower 1 Position** | **Borrower 2 Employer** | **Borrower 2 Position** | **Borrower 3 Employer** | **Borrower 3 Position** | **Borrower 4 Employer** | **Borrower 4 Position** | **First Time Investor** | **Borrower 1 Years in Industry** | **Borrower 2 Years in Industry** | **Borrower 3 Years in Industry** | **Borrower 4 Years in Industry** | **Borrower 1 ITIN** | **Borrower 2 ITIN** | **Borrower 3 ITIN** | **Borrower 4 ITIN** | **Original Appraiser License Number** | **Original Appraiser Name** |
| 570325323 |  |  | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: CDFI Lender Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | XXXXXX | No |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.01 | 1.01 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 818 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 4.5 | XXXXXX | 4.5 | No | 52.57 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | DSCR NA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.00 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX |
| 576415850 |  |  | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: CDFI Lender Exempt | Yes | No | No | N/A | N/A | 15590.00 | XXXXXX | 6.740% | Manual Underwriting | Manual Underwriting | No | 7.416% |  | 7.250% | 7.250% | XXXXXX | No |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | $0.00 |  |  | 41.10% | 40.36% | 40.36% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 1 NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | Yes | 0 | 0 | 66.99% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 49 | No | 0 NA | 0 | 0 | N/A | Yes | 27 | 16 | Work Number | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified, Lease Agreements Verified - 2024, 2025 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 7.4 | XXXXXX | 7.4 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXXXX | XXXXXX |  |  | false | 1 | XXXXXX | Fixed | Conventional NA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  | 4.08 | 2.33 |  |  | N/A | N/A |  |  | XXXXXX | XXXXXX |

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## Exhibit 99.31

[GCAT Depositor V LLC ABS-15G](gcat-abs15g.htm)

**Exhibit 99.31**

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 570325323 |  |  | Qualifying Total Monthly Liabilities | XXXXXX | XXXXXX | XXXXXX |
| 576415850 |  |  | Note Date | XXXXXX | XXXXXX | XXXXXX |

---