# EDGAR Filing Document

**Accession Number:** 0001889966
**File Stem:** 0001104659-26-044413
**Filing Date:** 2026-4
**Character Count:** 1808514
**Document Hash:** 524178314d5c78fa92dd284ceb3b474f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-26-044413.hdr.sgml**: 20260416

**ACCESSION NUMBER**: 0001104659-26-044413

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

**PUBLIC DOCUMENT COUNT**: 31

**CONFORMED PERIOD OF REPORT**: 20260416

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

**FILED AS OF DATE**: 20260416

**DATE AS OF CHANGE**: 20260416

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sutton Funding LLC
- **CENTRAL INDEX KEY:** 0001889966

**ORGANIZATION NAME:**
- **EIN:** 261705786
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-05871
- **FILM NUMBER:** 26868002

**BUSINESS ADDRESS:**
- **STREET 1:** 100 SOUTH WEST STREET
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19801
- **BUSINESS PHONE:** 212-526-9352

**MAIL ADDRESS:**
- **STREET 1:** 2711 CENTERVILLE ROAD, SUITE 400
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sutton Funding LLC
- **CENTRAL INDEX KEY:** 0001889966

**ORGANIZATION NAME:**
- **EIN:** 261705786
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 100 SOUTH WEST STREET
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19801
- **BUSINESS PHONE:** 212-526-9352

**MAIL ADDRESS:**
- **STREET 1:** 2711 CENTERVILLE ROAD, SUITE 400
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sutton Funding LLC
- **CENTRAL INDEX KEY:** 0001889966

**ORGANIZATION NAME:**
- **EIN:** 261705786
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-05871

**BUSINESS ADDRESS:**
- **STREET 1:** 100 SOUTH WEST STREET
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19801
- **BUSINESS PHONE:** 212-526-9352

**MAIL ADDRESS:**
- **STREET 1:** 2711 CENTERVILLE ROAD, SUITE 400
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808

OMB Number: 3235-0675

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

**FORM ABS-15G**

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

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

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

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

------

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

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

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

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

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

Central Index Key Number of sponsor: <u>0001889966</u>

Barclays Mortgage Loan Trust 2026-NQM4

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

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

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

Sanyogita Lakhera (212) 526-4149

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

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

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

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached Exhibit 99 to this Form ABS-15G. Please see the Exhibit Index for the related information.

**SIGNATURES**

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

---

| | | | |
|:---|:---|:---|:---|
|  |  | SUTTON FUNDING LLC | SUTTON FUNDING LLC |
| Date: April 16, 2026 | By: | /s/ Sanyogita Lakhera | /s/ Sanyogita Lakhera |
|  |  | Name: | Sanyogita Lakhera |
|  |  | Title: | Authorized Signatory |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1 - Third Party Due Diligence Report – AMC Narrative](tm2612015d1_ex99-1.htm)

[Schedule 1 – Data Compare Report](tm2612015d1_ex99-1sch1.htm)

[Schedule 2 – Exception Grades](tm2612015d1_ex99-1sch2.htm)

[Schedule 3 – RA Grades](tm2612015d1_ex99-1sch3.htm)

[Schedule 4 – Valuation Report](tm2612015d1_ex99-1sch4.htm)

[99.2 - Third Party Due Diligence Report – Consolidated Analytics Narrative](tm2612015d1_ex99-2.htm)

[Schedule 1 – Data Compare Report](tm2612015d1_ex99-2sch1.htm)

[Schedule 2 – Due Diligence Standard Report](tm2612015d1_ex99-2sch2.htm)

[Schedule 3 – Rating Agency Grades Summary](tm2612015d1_ex99-2sch3.htm)

[Schedule 4 – Supplemental Report](tm2612015d1_ex99-2sch4.htm)

[Schedule 5 – Valuation Report](tm2612015d1_ex99-2sch5.htm)

[99.3 - Third Party Due Diligence Report – Clarifii Narrative](tm2612015d1_ex99-3.htm)

[Schedule 1 – ATR QM Report](tm2612015d1_ex99-3sch1.htm)

[Schedule 2 – Data Compare Report](tm2612015d1_ex99-3sch2.htm)

[Schedule 3 – RA Grades Detail Report](tm2612015d1_ex99-3sch3.htm)

[Schedule 4 – RA Grades Summary Report](tm2612015d1_ex99-3sch4.htm)

[Schedule 5 – Valuation Report](tm2612015d1_ex99-3sch5.htm)

[99.4 - Third Party Due Diligence Report – Evolve Narrative](tm2612015d1_ex99-4.htm)

[Schedule 1 – Data Compare Report](tm2612015d1_ex99-4sch1.htm)

[Schedule 2 – Exception Detail](tm2612015d1_ex99-4sch2.htm)

[Schedule 3 – QM ATR Data](tm2612015d1_ex99-4sch3.htm)

[Schedule 4 – RA Grades](tm2612015d1_ex99-4sch4.htm)

[Schedule 5 – Valuation Report](tm2612015d1_ex99-4sch5.htm)

## Exhibit 99.1

**Exhibit 99.1**

![](tm2612015d1_ex99-1img001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Sutton Funding LLC (the "Client") through flow reviews and acquired by reliance letter. The Review was conducted on mortgage loans with origination dates from August 2025 through February 2026 via files imaged and provided by the Client's designee for review. The Review included loans reviewed under the Credit and Compliance Scope (57 loans), and Business Purpose Scope (294 loans). The loans reviewed using the Credit and Compliance Scope, Business Purpose Scope are together referred to as the mortgage loans.

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

The initial population consisted of 351 mortgage loans.

The final population of the Review covered 351 mortgage loans totaling an aggregate original principal balance of approximately $159.372 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

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

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

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

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

---

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

---

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

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

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

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

![](tm2612015d1_ex99-1img001.jpg)

**Credit Report:** AMC's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to the guidelines. In order to make this determination, AMC: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

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

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

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

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

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

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

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.

![](tm2612015d1_ex99-1img001.jpg)

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

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

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

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client.

For this review, procedures followed included:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Appraisal Report | &nbsp;&nbsp;Deed of Trust / Mortgage | &nbsp;&nbsp;Non-Owner-Occupancy & Business <br> – Purpose Letter of Intent (LOI) /<br> Letter of Explanation (LOE) |
| &nbsp;&nbsp;Appraisal Review documentation\* | &nbsp;&nbsp;Environmental reports\* | &nbsp;&nbsp;Note |
| &nbsp;&nbsp;Background check | &nbsp;&nbsp;Evidence of Hazard / Liability / Flood Insurance coverage | &nbsp;&nbsp;Purchase agreement(s)\* |
| &nbsp;&nbsp;Broker Price Opinion and market rent addendum\* | &nbsp;&nbsp;Existing Leases\* | &nbsp;&nbsp;Rent Roll\* |
| &nbsp;&nbsp;Business License\* | &nbsp;&nbsp;Final Form 1003 / Loan Application(s) | &nbsp;&nbsp;Second mortgage documentation\* |
| &nbsp;&nbsp;Business P&L's\* | &nbsp;&nbsp;Final HUD-1\* / Loan Estimate (LE)\* / Closing Disclosure (CD)\* | &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 |  |

---

![](tm2612015d1_ex99-1img001.jpg)

**DATA COLLECTION**

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

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

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

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

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

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

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

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 4.0 TRID Compliance Review Scope published by the Structured Finance Association ("SFA") (formerly, the Structured Finance Industry Group, "SFIG") (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

![](tm2612015d1_ex99-1img001.jpg)

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

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

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

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

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

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

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

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

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

![](tm2612015d1_ex99-1img001.jpg)

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

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

![](tm2612015d1_ex99-1img001.jpg)

&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:

---

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

---

![](tm2612015d1_ex99-1img001.jpg)

---

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

![](tm2612015d1_ex99-1img001.jpg)

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.

![](tm2612015d1_ex99-1img001.jpg)

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
TIL;

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

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

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

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

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

**(9) Disclaimer.**

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

![](tm2612015d1_ex99-1img001.jpg)

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**OVERALL REVIEW RESULTS SUMMARY**

There were three hundred fifty-one (351) loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable Moody's NRSRO grading criteria three hundred seventeen (317) loans (90.31%) had an Overall grade of "A", and thirty-four (34) loans (9.69%) had an Overall grade of "B. No loans had an Overall grade less than "B".

---

| | | |
|:---|:---|:---|
| **Moody's Overall Loan Grades** | **Moody's Overall Loan Grades** | **Moody's Overall Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 317 | 90.31% |
| B | 34 | 9.69% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| N/A | 0 | 0.00% |
| **Total** | **351** | **100.00%** |

---

**CREDIT RESULTS SUMMARY**

Three hundred twenty (320) loans (91.17%) reviewed received an "A" Credit grade, and thirty-one (31) loans (8.83%) received a "B" Credit grade. No loans had a Credit grade less than "B".

---

| | | |
|:---|:---|:---|
| **Moody's Credit Loan Grades** | **Moody's Credit Loan Grades** | **Moody's Credit Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% f Loans** |
| A | 320 | 91.17% |
| B | 31 | 8.83% |
| C | 0 | 0.00% |
| D |  | 0.00% |
| N/A | 0 | 0.00% |
| **Total** | **351** | **100.00%** |

---

![](tm2612015d1_ex99-1img001.jpg)

**COMPLIANCE RESULTS SUMMARY**

Two hundred ninety-four (294) loans were reviewed under the Business Purpose scope and did not contain a compliance review. After all documents were presented, under the applicable Moody's NRSRO grading criteria fifty-two (52) loans (91.23%) had a Compliance grade of "A", five (5) loans (8.77%) had a Compliance grade of "B, and two hundred ninety-four (294) loans did not test and received a Compliance grade of "N/A".

---

| | | |
|:---|:---|:---|
| **Moody's Compliance Loan Grades** | **Moody's Compliance Loan Grades** | **Moody's Compliance Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 52 | 91.23% |
| B | 5 | 8.77% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| N/A | 294 | 0.00% |
| **Total** | **57** | **100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

There were three hundred fifty-one (351) loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable Moody's NRSRO grading criteria all three hundred fifty-one (351) loans received an "A" Property grade.

---

| | | |
|:---|:---|:---|
| **Moody's Property Loan Grades** | **Moody's Property Loan Grades** | **Moody's Property Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 351 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| N/A | 0 | 0.00% |
| **Total** | **351** | **100.00%** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the three hundred fifty-one (351) Loans reviewed, three hundred one (301) unique Loans had five hundred seventy-six (576) different tape discrepancies across fourteen (14) data fields (some Loans had more than one data delta). The most variances were found on Note Date, Borrower Last Name and Contract Sales Price.

![](tm2612015d1_ex99-1img001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | **Loans With <br> Discrepancy** | **Total Times <br> Compared** | **%**<br> **Variance** | &nbsp;&nbsp;**# Of<br> Loans** |
| &nbsp;&nbsp;# of Units | 2 | 351 | 0.57% | 351 |
| &nbsp;&nbsp;Amortization Term | 0 | 58 | 0.00% | 351 |
| &nbsp;&nbsp;Amortization Type | 0 | 351 | 0.00% | 351 |
| &nbsp;&nbsp;Appraised Value | 0 | 58 | 0.00% | 351 |
| &nbsp;&nbsp;Borrower First Name | 4 | 58 | 6.90% | 351 |
| &nbsp;&nbsp;Borrower Last Name | 146 | 351 | 41.60% | 351 |
| &nbsp;&nbsp;City | 1 | 351 | 0.28% | 351 |
| &nbsp;&nbsp;Contract Sales Price | 81 | 351 | 23.08% | 351 |
| &nbsp;&nbsp;Interest Only | 0 | 293 | 0.00% | 351 |
| &nbsp;&nbsp;Lien Position | 0 | 58 | 0.00% | 351 |
| &nbsp;&nbsp;LTV Valuation Value | 11 | 293 | 3.75% | 351 |
| &nbsp;&nbsp;Maturity Date | 0 | 351 | 0.00% | 351 |
| &nbsp;&nbsp;Note Date | 221 | 293 | 75.43% | 351 |
| &nbsp;&nbsp;Occupancy | 0 | 351 | 0.00% | 351 |
| &nbsp;&nbsp;Original Interest Rate | 0 | 351 | 0.00% | 351 |
| &nbsp;&nbsp;Original Loan Amount | 0 | 351 | 0.00% | 351 |
| &nbsp;&nbsp;Original LTV | 15 | 58 | 25.86% | 351 |
| &nbsp;&nbsp;Original P&I | 2 | 351 | 0.57% | 351 |
| &nbsp;&nbsp;Original Term | 0 | 293 | 0.00% | 351 |
| &nbsp;&nbsp;Property Type | 18 | 351 | 5.13% | 351 |
| &nbsp;&nbsp;Purpose | 0 | 351 | 0.00% | 351 |
| &nbsp;&nbsp;Representative FICO | 18 | 351 | 5.13% | 351 |
| &nbsp;&nbsp;State | 0 | 351 | 0.00% | 351 |
| &nbsp;&nbsp;Street | 2 | 351 | 0.57% | 351 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | 52 | 293 | 17.75% | 351 |
| &nbsp;&nbsp;Zip | 3 | 351 | 0.85% | 351 |
| &nbsp;&nbsp;**Total** | **576** | **7371** | **7.81%** | **351** |

---

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | **Loan<br> Count** | **% of<br> Loans** | **Original<br> Balance** | **% of<br> Balance** |
| &nbsp;&nbsp;Fixed | 347 | 98.86% | $153339940.00 | 96.22% |
| &nbsp;&nbsp;Adjustable | 4 | 1.14% | $6031850.00 | 3.78% |
| &nbsp;&nbsp;**Total** | **351** | **100.00%** | **$159371790.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | **Loan<br> Count** | **% of<br> Loans** | **Original<br> Balance** | **% of<br> Balance** |
| &nbsp;&nbsp;1 | 351 | 100.00% | $159371790.00 | 100.00% |
| &nbsp;&nbsp;**Total** | **351** | **100.00%** | **$159371790.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | **Loan<br> Count** | **% of<br> Loans** | **Original<br> Balance** | **% of<br> Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | 142 | 40.46% | $67511470.00 | 42.36% |
| &nbsp;&nbsp;First Time Home Purchase | 24 | 6.84% | $8723982.00 | 5.47% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | 139 | 39.60% | $61422481.00 | 38.54% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | 46 | 13.11% | $21713857.00 | 13.62% |
| &nbsp;&nbsp;**Total** | **351** | **100.00%** | **$159371790.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | **Loan<br> Count** | **% of<br> Loans** | **Original<br> Balance** | **% of<br> Balance** |
| &nbsp;&nbsp;241-360 Months | 351 | 100.00% | $159371790.00 | 100.00% |
| &nbsp;&nbsp;**Total** | **351** | **100.00%** | **$159371790.00** | **100.00%** |

---

![](tm2612015d1_ex99-1img001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | **Loan<br> Count** | **% of <br> Loans** | **Original <br> Balance** | **% of <br> Balance** |
| &nbsp;&nbsp;Single Family Detached | 190 | 54.13% | $85601698.00 | 53.71% |
| &nbsp;&nbsp;Condo, Low Rise | 22 | 6.27% | $8052409.00 | 5.05% |
| &nbsp;&nbsp;Condo, High Rise | 14 | 3.99% | $5979540.00 | 3.75% |
| &nbsp;&nbsp;PUD | 65 | 18.52% | $30264348.00 | 18.99% |
| &nbsp;&nbsp;1 Family Attached | 5 | 1.42% | $1692100.00 | 1.06% |
| &nbsp;&nbsp;2 Family | 25 | 7.12% | $10367885.00 | 6.51% |
| &nbsp;&nbsp;3 Family | 12 | 3.42% | $8005670.00 | 5.02% |
| &nbsp;&nbsp;4 Family | 14 | 3.99% | $5137640.00 | 3.22% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | 4 | 1.14% | $4270500.00 | 2.68% |
| &nbsp;&nbsp;**Total** | **351** | **100.00%** | **$159371790.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | **Loan<br> Count** | **% of<br> Loans** | **Original<br> Balance** | **% of<br> Balance** |
| &nbsp;&nbsp;Primary | 50 | 14.25% | $26025346.00 | 16.33% |
| &nbsp;&nbsp;Investment | 301 | 85.75% | $133346444.00 | 83.67% |
| &nbsp;&nbsp;**Total** | **351** | **100.00%** | **$159371790.00** | **100.00%** |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 1**

**Data Compare (Non-Ignored)**

**Run Date - 4/14/2026 10:07:04 AM** 

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| (redacted) | 1 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 2 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 2 (redacted) |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| (redacted) | 2 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance loan |
| (redacted) | 3 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 4 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 5 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 6 (redacted) |  |  | Original LTV | 77.09 | 79.99965 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| (redacted) | 8 (redacted) |  |  | Original LTV | 77.71 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| (redacted) | 9 (redacted) |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 9 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 9 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 10 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| (redacted) | 10 (redacted) |  |  | Original LTV | 76.92 | 83.33333 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| (redacted) | 13 (redacted) |  |  | City | [redacted] | [redacted] | Verified | City name corrected from USPS. |
| (redacted) | 13 (redacted) |  |  | Original LTV | 65.7 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| (redacted) | 17 (redacted) |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 17 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 17 (redacted) |  |  | Original LTV | 66.9 | 75 | Verified | Tape Value is rounded and within less than 1% of actual calculated LTV |
| (redacted) | 19 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 21 (redacted) |  |  | Original LTV | 76.46 | 79.99002 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| (redacted) | 23 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| (redacted) | 24 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| (redacted) | 25 (redacted) |  |  | Original LTV | 77 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| (redacted) | 26 (redacted) |  |  | Original LTV | 70.82 | 72.43243 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| (redacted) | 27 (redacted) |  |  | Original LTV | 74.29 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| (redacted) | 28 (redacted) |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 28 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 29 (redacted) |  |  | Original LTV | 76.6 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| (redacted) | 30 (redacted) |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| (redacted) | 30 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| (redacted) | 33 (redacted) |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 33 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 34 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| (redacted) | 35 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 37 (redacted) |  |  | Original LTV | 78.83 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| (redacted) | 39 (redacted) |  |  | Original LTV | 82.67 | 85 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| (redacted) | 41 (redacted) |  |  | Original LTV | 78.63 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| (redacted) | 42 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance Loan |
| (redacted) | 43 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 43 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Higher of two scores provided per guidelines. |
| (redacted) | 43 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| (redacted) | 44 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| (redacted) | 49 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 49 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 49 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance loan |
| (redacted) | 50 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 50 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 50 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Updated from appraisal document |
| (redacted) | 50 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Due to round off |
| (redacted) | 51 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| (redacted) | 51 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | DSCR=$2,100/$2,106.30=1.00 |
| (redacted) | 52 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 52 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Foreign Citizen |
| (redacted) | 52 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Round of value updated |
| (redacted) | 53 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 53 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| (redacted) | 53 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Due to rounding. |
| (redacted) | 54 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 54 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 55 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 56 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 56 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 57 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 58 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 59 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 59 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Rent of $1790 Asset Depletion of $583.33 Total Income $2373.33/$1787.60 |
| (redacted) | 60 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| (redacted) | 60 (redacted) |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| (redacted) | 61 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 62 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 62 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Due to rounding off |
| (redacted) | 63 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 63 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 63 (redacted) |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| (redacted) | 63 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | PITIA of 2,347.42 divided into rents of $2400.00 is 1.02 DSCR. Lender used a higher PITIA per the 1003. |
| (redacted) | 67 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 67 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance File |
| (redacted) | 68 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 68 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Foreign National |
| (redacted) | 68 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| (redacted) | 69 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| (redacted) | 70 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| (redacted) | 70 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Due to rounding |
| (redacted) | 71 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 71 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| (redacted) | 72 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 72 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 73 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 73 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 73 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| (redacted) | 75 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 75 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| (redacted) | 76 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 78 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 78 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 78 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Foreign National program |
| (redacted) | 79 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 79 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Its Refinance. |
| (redacted) | 80 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 80 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 81 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Security Instrument |
| (redacted) | 81 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Its Refinance. |
| (redacted) | 83 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | $3100.00/$1321.85=2.34 |
| (redacted) | 84 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 84 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 84 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Its Refinance. |
| (redacted) | 85 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 85 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 85 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance. |
| (redacted) | 86 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 87 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 87 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Due to Rounding |
| (redacted) | 88 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 88 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| (redacted) | 89 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 89 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 89 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 90 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 90 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 90 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Rent and PITIA amounts match what lender used per the 1003. |
| (redacted) | 91 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 91 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 91 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 92 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 93 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 94 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 95 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 95 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 95 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Captured from appraisal |
| (redacted) | 95 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Due to round off |
| (redacted) | 96 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 97 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 98 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 98 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 98 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Out of scope. |
| (redacted) | 98 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Discrepancy due to rounding. |
| (redacted) | 99 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 100 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 101 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 101 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 103 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 104 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 104 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 105 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 105 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 106 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 106 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 107 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 107 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| (redacted) | 108 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 109 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 109 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 110 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 110 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 110 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | $9800.00/$7431.49=1.32. |
| (redacted) | 111 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 111 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 113 (redacted) |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| (redacted) | 113 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 113 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 113 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Lender doesn't appear to be considering monthly HOA fee of $380 in DSCR calculation. |
| (redacted) | 114 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 114 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 114 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 115 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 116 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 117 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 118 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 118 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 118 (redacted) |  |  | Original P&I | [redacted] | [redacted] | Verified | Field Value reflects Note value |
| (redacted) | 118 (redacted) |  |  | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| (redacted) | 118 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 119 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 120 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 120 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 121 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 121 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 122 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 123 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 125 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 126 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 126 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 127 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 128 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 129 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 129 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 129 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance loan |
| (redacted) | 129 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Due to Rounding |
| (redacted) | 130 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 131 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 132 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 132 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 134 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 135 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 135 (redacted) |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| (redacted) | 136 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 136 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 136 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refi |
| (redacted) | 137 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 138 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 138 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance File |
| (redacted) | 138 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | DCR=$5,300/$4,150.72=1.28. Discrepancy in HOA fee. |
| (redacted) | 139 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 140 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 140 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 140 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | N/A |
| (redacted) | 142 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 142 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 142 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | its Refinance. |
| (redacted) | 142 (redacted) |  |  | LTV Valuation Value | 290000.00 | 315000.00 | Verified | Field value reflects source document |
| (redacted) | 144 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 144 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Out of scope. |
| (redacted) | 145 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 145 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 146 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 146 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 146 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 147 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 147 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 147 (redacted) |  |  | LTV Valuation Value | 329900.00 | 330000.00 | Verified | Field value reflects source document |
| (redacted) | 148 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 148 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| (redacted) | 149 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 149 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 149 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 150 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 151 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 151 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 151 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 152 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 152 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 153 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 153 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| (redacted) | 154 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 154 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 155 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 155 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 156 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 156 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Its Refinance. |
| (redacted) | 157 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 157 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 158 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 158 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 158 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 159 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 159 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 159 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Captured from appraisal document |
| (redacted) | 159 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Due to round off |
| (redacted) | 160 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 162 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 162 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 162 (redacted) |  |  | LTV Valuation Value | 300000.00 | 283000.00 | Verified | Field value reflects source document |
| (redacted) | 162 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 164 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 164 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Cash-Out Refinance |
| (redacted) | 165 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 165 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 166 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 167 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 167 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| (redacted) | 167 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 168 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 168 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 168 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Rounding Factor |
| (redacted) | 170 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 170 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 171 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 171 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 172 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 173 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 173 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Discrepancy due to rounding. |
| (redacted) | 174 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance Transaction. |
| (redacted) | 175 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 175 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 175 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Due to rounding. |
| (redacted) | 177 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 177 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 178 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 178 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| (redacted) | 178 (redacted) |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| (redacted) | 179 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 179 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 179 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | DSCR mismatch due to Round-off value. |
| (redacted) | 180 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 180 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 180 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Due to round off |
| (redacted) | 182 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 182 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance loan |
| (redacted) | 182 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Due to round off |
| (redacted) | 183 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 183 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | DSCR mismatch due to Round-off value. |
| (redacted) | 184 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 184 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Its Refinance. |
| (redacted) | 184 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Rounding Factor |
| (redacted) | 185 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 186 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 186 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 187 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 187 (redacted) |  |  | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| (redacted) | 188 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 188 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 189 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 189 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 190 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 191 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 191 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Rounding Factor |
| (redacted) | 192 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Bid Tape Field Value is not provided. |
| (redacted) | 192 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Clarity is rounding off the DSCR. |
| (redacted) | 193 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 193 (redacted) |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| (redacted) | 194 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 194 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 195 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 195 (redacted) |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| (redacted) | 196 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 196 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 196 (redacted) |  |  | LTV Valuation Value | 455000.00 | 495000.00 | Verified | Field value reflects source document |
| (redacted) | 197 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 198 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 198 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 198 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | $1675.00/$1486.17=1.13 Lender used expected rental amount of $2,000. |
| (redacted) | 199 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 199 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 200 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 201 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 202 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 202 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 202 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance loan |
| (redacted) | 203 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 203 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 204 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 204 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 204 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 204 (redacted) |  |  | LTV Valuation Value | 171000.00 | 190000.00 | Verified | Field value reflects source document |
| (redacted) | 206 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Bid tape field value is blank |
| (redacted) | 206 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 206 (redacted) |  |  | LTV Valuation Value | 739990.00 | 760000.00 | Verified | Field value reflects source document |
| (redacted) | 207 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 207 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 207 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 208 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 208 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Out of scope. |
| (redacted) | 209 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 209 (redacted) |  |  | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| (redacted) | 209 (redacted) |  |  | # of Units | 5 | 6 | Verified | Field value reflects source document |
| (redacted) | 209 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Out of scope. |
| (redacted) | 210 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 211 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 211 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 212 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 212 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 213 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 214 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 214 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 215 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 215 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 215 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Captured from appraisal document |
| (redacted) | 216 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 216 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 217 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 217 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 219 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 220 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 221 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 221 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 221 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 222 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 222 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 222 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 223 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 223 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 224 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 224 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| (redacted) | 224 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Rounding |
| (redacted) | 225 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction. |
| (redacted) | 226 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 226 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 226 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction. |
| (redacted) | 228 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 228 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 228 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| (redacted) | 229 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 229 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 229 (redacted) |  |  | Original P&I | [redacted] | [redacted] | Verified | Field Value reflects Note value |
| (redacted) | 229 (redacted) |  |  | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| (redacted) | 229 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refi |
| (redacted) | 230 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 230 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 231 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 231 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Due to rounding. |
| (redacted) | 232 (redacted) |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 232 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 232 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 232 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| (redacted) | 232 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | $2100.00/$1747.79=1.20. |
| (redacted) | 233 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Unable to verify 2 months receipt of the rent in the amount of $2500.00. Lender used the $2500.00 for the DSCR. |
| (redacted) | 234 (redacted) |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| (redacted) | 234 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 234 (redacted) |  |  | Representative FICO | [redacted] | [redacted] |  |  |
| (redacted) | 235 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 235 (redacted) |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| (redacted) | 236 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 236 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| (redacted) | 236 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Due to rounding. |
| (redacted) | 237 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 237 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Used STR from 1007. $2470.00x.80=$1976.00/$1947.29=1.01. |
| (redacted) | 238 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 239 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 239 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance Transaction. |
| (redacted) | 239 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | DSCR: $3,975.00 / $3,574.62 = 1.11 updated as per source document. |
| (redacted) | 240 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 240 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Due to Rounding |
| (redacted) | 241 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 241 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Due to round off |
| (redacted) | 242 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 242 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Due to rounding |
| (redacted) | 243 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 244 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 244 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 244 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | DSCR mismatch Due to Property Insurance premium. Updated as per Source Document. |
| (redacted) | 245 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 246 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 247 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 247 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 247 (redacted) |  |  | Property Type | 4 Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| (redacted) | 247 (redacted) |  |  | # of Units | 4 | 3 | Verified | Field value reflects source document |
| (redacted) | 248 (redacted) |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 248 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 249 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 250 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 251 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 251 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] |  |  |
| (redacted) | 252 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 252 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| (redacted) | 252 (redacted) |  |  | LTV Valuation Value | 725000.00 | 740000.00 | Verified | Field value reflects source document |
| (redacted) | 253 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 254 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 255 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 255 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 255 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 256 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 256 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 257 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 257 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 258 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 258 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 258 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Due to rounding. |
| (redacted) | 259 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 260 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 261 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 262 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 262 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 263 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 264 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 264 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 265 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 265 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Out of scope. |
| (redacted) | 266 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 266 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 266 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Out of scope. |
| (redacted) | 267 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 269 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 269 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 269 (redacted) |  |  | LTV Valuation Value | 1680000.00 | 2000000.00 | Verified | Field value reflects source document |
| (redacted) | 270 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 270 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 271 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 272 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 272 (redacted) |  |  | LTV Valuation Value | 605000.00 | 625400.00 | Verified | Field value reflects source document |
| (redacted) | 273 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 274 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 274 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 275 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 275 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 275 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Out of scope. |
| (redacted) | 276 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 277 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 278 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 278 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 279 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 279 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 280 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 280 (redacted) |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| (redacted) | 280 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance file |
| (redacted) | 281 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 281 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Rounding Factor |
| (redacted) | 282 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 283 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 283 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 284 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 284 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 285 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 285 (redacted) |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| (redacted) | 286 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 286 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 287 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 288 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 288 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 289 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 291 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 291 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 292 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 292 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 293 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Bid tape value was not provided. |
| (redacted) | 294 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 295 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 296 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 297 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 299 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 299 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 300 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 300 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 301 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 302 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 302 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 303 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 303 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 304 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 304 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | The lender used $5,400 for DSCR qualification, while the system referenced $5800 from the comparable rent schedule. |
| (redacted) | 305 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 305 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 306 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 307 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 309 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 309 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 309 (redacted) |  |  | LTV Valuation Value | 1800000.00 | 2006000.00 | Verified | Field value reflects source document |
| (redacted) | 310 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 311 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 312 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 313 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 314 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 314 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | N/A; Refinance loan |
| (redacted) | 314 (redacted) |  |  | LTV Valuation Value | 1259000.00 | 1269000.00 | Verified | Field value reflects source document |
| (redacted) | 315 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 316 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 316 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | N/A; Refinance Transaction. |
| (redacted) | 316 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | DSCR: $3163.00 / $1,935.03 = 1.63 updated as per source document. Lender used only the portion of rent from Miami Dade HV |
| (redacted) | 317 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 318 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 318 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| (redacted) | 319 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 319 (redacted) |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| (redacted) | 320 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 321 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 321 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 322 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 324 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Bid Tape Field Value is blank |
| (redacted) | 324 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| (redacted) | 325 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | The Bid Tape Value was not provided. |
| (redacted) | 326 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 327 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 327 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 328 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 329 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 329 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 330 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 331 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 332 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Unable to confirm full receipt of the 2 months rent. Statement reflects the check provided for the rent and Security deposit is on hold. |
| (redacted) | 333 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 334 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 335 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 337 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 337 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| (redacted) | 337 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | DCSR was calculated using actual rent amount and not market rent of $2,300. |
| (redacted) | 338 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| (redacted) | 339 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| (redacted) | 339 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Considered the FICO from the most recent Credit report. |
| (redacted) | 340 (redacted) |  |  | Original LTV | 62.53 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| (redacted) | 341 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| (redacted) | 346 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| (redacted) | 347 (redacted) |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| (redacted) | 348 (redacted) |  |  | Original LTV | 80.91 | 84.83495 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| (redacted) | 349 (redacted) |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 349 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 349 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 2**

**Exception Grades**

**Run Date - 4/15/2026 8:23:26 AM** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer 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** |
| (redacted) | 1 (redacted) |  | 35713433 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Dwelling Coverage is insufficient by [redacted] Please provide extended coverage or checklist of coverage or lender correspondence confirming [redacted] replacement cost covered. |  |  |  | Reviewer Comment (2025-12-03): Replacement cost estimator received and verified the details. Exception Cleared.<br>Buyer Comment (2025-12-01): [redacted] attached | 12/03/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 4 (redacted) |  | 35713564 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception request: <br> Borrower can't document consistent rent for the last [redacted] Comp Factors: 1) [redacted] reserves over guidelines [redacted] : [redacted] below maximum LTV [redacted]; [redacted] residual income | 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 Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The refinance has decreased the borrower's monthly debt payments by [redacted]% or more. | Documentation Type: [redacted]<br> Disposable Income: $[redacted]<br>Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Loan to Value: [redacted]%<br> Guideline Maximum Loan to Value: [redacted]%<br>Loan Purpose: [redacted]<br> Monthly Debt Reduction: [redacted]% | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-08): Waived with compensating factors per lender exception approval at origination. |  |  | 10/08/2025 | 2 B |  | IL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 4 (redacted) |  | 35713568 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points increased from [redacted] to [redacted], an increase of [redacted], without a valid changed circumstance document in file. No cure provided. |  |  |  | Reviewer Comment (2025-10-29): [redacted] received a valid [redacted].<br>Buyer Comment (2025-10-28): Change of Circumstance form for increased discount points on [redacted] attached. | 10/29/2025 |  |  | 1 C A |  | IL | 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 |
| (redacted) | 4 (redacted) |  | 35713569 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax increased from [redacted] to [redacted], an increase of [redacted], without a valid changed circumstance document in file. No cure provided. |  |  |  | Reviewer Comment (2025-10-29): [redacted] received a valid [redacted].<br>Buyer Comment (2025-10-28): The exception states Transfer Taxes increased but no transfer taxes are present. Change of Circumstance form for switch from Lender-Paid to Borrower-paid Compensation attached. | 10/29/2025 |  |  | 1 C A |  | IL | 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 |
| (redacted) | 5 (redacted) |  | 35713577 |  | 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 [redacted] prior to closing. | Initial Closing Disclosure dated [redacted] with a Note date of [redacted] |  |  |  | Reviewer Comment (2025-11-06): [redacted] received [redacted] CD received [redacted] business days prior to consummation.<br>Buyer Comment (2025-11-05): Initial CD issued [redacted] attached. | 11/06/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | No Defined Cure A | Non QM | Non QM | No |
| (redacted) | 5 (redacted) |  | 35713578 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points increased from [redacted] to [redacted], an increase of [redacted], without a valid changed circumstance document in file. No cure provided. |  |  |  | Reviewer Comment (2025-11-06): [redacted] Received Valid COC dated [redacted]<br>Buyer Comment (2025-11-05): See attached COC CD, file was re-locked at a lower rate, discount points were applied. | 11/06/2025 |  |  | 1 C A |  | TX | 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 |
| (redacted) | 5 (redacted) |  | 35713581 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [redacted] housing history not provided. |  |  |  | Reviewer Comment (2025-11-12): [redacted] payment history confirmed, exception cleared<br>Buyer Comment (2025-11-10): [redacted] attached | 11/12/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| (redacted) | 6 (redacted) |  | 36239316 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on [redacted] | Provided seller closing disclosure does not disclose seller paid fee. |  |  |  | Reviewer Comment (2025-11-07): [redacted] received Seller CD and Final SS. Upon further review the transaction is a purchase from builder and no seller fees were charged.<br>Buyer Comment (2025-11-06): [redacted]-Please see attached | 11/07/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Exempt from ATR | Yes |
| (redacted) | 6 (redacted) |  | 36239317 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-26): [redacted] lender testing ATR.<br>Buyer Comment (2026-01-22): Please waive. |  |  | 01/26/2026 | 2 A |  | CA | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 7 (redacted) |  | 36239320 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Unable to use gift funds as the gift letter was not dated. |  |  |  | Reviewer Comment (2025-11-10): Dated gift letter received, exception cleared.<br>Buyer Comment (2025-11-07): dated gift letter | 11/10/2025 |  |  | 1 C A |  | NV | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 7 (redacted) |  | 36239321 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | A Verbal verification with the [redacted] is required prior to closing. | 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]. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Documentation Type: [redacted]<br> Disposable Income: $[redacted] | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-24): Waived with compensating factors at clients request.<br>Buyer Comment (2025-11-20): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-11-19): VVOE is required prior to closing.<br>Buyer Comment (2025-11-17): VVOE |  |  | 11/24/2025 | 2 C B |  | NV | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 7 (redacted) |  | 36239322 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | A Verbal verification with the [redacted] is required prior to closing. | 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]. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Documentation Type: [redacted]<br> Disposable Income: $[redacted] | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-24): Waived with compensating factors at clients request.<br>Buyer Comment (2025-11-20): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-11-19): VVOE is required prior to closing.<br>Buyer Comment (2025-11-17): see attached VVOE |  |  | 11/24/2025 | 2 C B |  | NV | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 7 (redacted) |  | 36239323 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Restated to Non-QM per lender direction. |  |  |  | Reviewer Comment (2025-12-08): Waived. Informational only. |  |  | 12/08/2025 | 2 A |  | NV | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 7 (redacted) |  | 36239324 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to missing required verbal verification with [redacted] prior to closing. |  |  |  | Reviewer Comment (2025-12-16): Lender is [redacted] exempt.<br>Reviewer Comment (2025-12-15): Need evidence of what was used to final approve and close the loan without the verification with the CPA in file prior to closing.<br>Buyer Comment (2025-12-12): exception<br>Reviewer Comment (2025-12-12): Lender will need to provide exception, detailing what was used pre-consummation making them comfortable in approving the loan, for review.<br>Buyer Comment (2025-12-09): Please waive - CPA VOE dated post-closing. | 12/16/2025 |  |  | 1 A |  | NV | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Exempt from ATR | Yes |
| (redacted) | 7 (redacted) |  | 36239325 |  | 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.) | Due to missing required verbal verification with [redacted] prior to closing. |  |  |  | Reviewer Comment (2025-12-18): Lender accepts EV2.<br>Reviewer Comment (2025-12-16): Regraded to EV2-B based on alternate documentation used in lieu of VOE. Documentation includes documentation of Tax Professional PTIN by the IRS, letter from PTIN tax preparer regarding knowledge of borrower's business, when established and percentage of ownership (on company letterhead), copy of business license.<br>Reviewer Comment (2025-12-15): Need evidence of what was used to final approve and close the loan without the verification with the CPA in file prior to closing.<br>Buyer Comment (2025-12-12): see attached exception<br>Reviewer Comment (2025-12-12): Lender will need to provide exception, detailing what was used pre-consummation making them comfortable in approving the loan, for review.<br>Buyer Comment (2025-12-09): Please waive - CPA VOE dated post-closing. |  |  | 12/18/2025 | 2 B |  | NV | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 7 (redacted) |  | 36239326 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | 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 (2025-12-16): Loan is Non-QM. | 12/16/2025 |  |  | 1 A |  | NV | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 7 (redacted) |  | 36239327 |  | 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 Exempt from ATR. | Lender is [redacted] exempt from ATR and should reflect a Loan Designation of ATR Exempt. |  |  |  | Reviewer Comment (2025-12-18): Lender is [redacted] exempt | 12/18/2025 |  |  | 1 A |  | NV | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Exempt from ATR | Yes |
| (redacted) | 7 (redacted) |  | 36239328 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Exempt from ATR matches the Due Diligence Loan Designation of Exempt from ATR. | [redacted] lender; however, testing for ATR |  |  |  | Reviewer Comment (2025-12-18): Lender accepts. |  |  | 12/18/2025 | 2 A B |  | NV | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 8 (redacted) |  | 36239329 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: [redacted] not provided |  | The file is missing [redacted] amount of [redacted] |  |  |  | Reviewer Comment (2025-11-10): Gift letter received, exception cleared.<br>Buyer Comment (2025-11-10): [redacted] gift letter | 11/10/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 8 (redacted) |  | 36239330 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of [redacted] Citizen Status not provided |  | Borrower is Non Permanent Resident and Source Documentation [redacted] was not provided. | 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]. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Documentation Type: [redacted]<br> Disposable Income: $[redacted] | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-11): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-12-11): exception<br>Reviewer Comment (2025-12-11): Exception remains. Proof of [redacted] is missing in file.<br>Buyer Comment (2025-12-09): exception |  |  | 12/11/2025 | 2 C B |  | CT | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 8 (redacted) |  | 36239332 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Citizenship Source Documentation was not provided |  | Borrower is Non Permanent Resident and Source Documentation[redacted] was not provided. | 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]. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Documentation Type: [redacted]<br> Disposable Income: $[redacted] | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-11): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-12-11): see attached exception<br>Reviewer Comment (2025-12-11): Exception remains. Proof of [redacted] is missing in file.<br>Buyer Comment (2025-12-09): see attached exception |  |  | 12/11/2025 | 2 B |  | CT | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 8 (redacted) |  | 36239333 |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a [redacted], and the guideline required documentation was not provided. |  | Borrower is Non Permanent Resident and Source Documentation [redacted] was not provided. | 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]. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Documentation Type: [redacted]<br> Disposable Income: $[redacted] | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-11): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-12-11): see attached exception<br>Reviewer Comment (2025-12-11): Exception remains. Proof of Non Permanent Resident Alien/Foreign National Citizenship is missing in file.<br>Buyer Comment (2025-12-09): see attached exception |  |  | 12/11/2025 | 2 C B |  | CT | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 8 (redacted) |  | 36239335 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2025-11-03): Sufficient Cure Provided At Closing |  | 11/03/2025 |  | 1 A |  | CT | Primary | Purchase | Final CD evidences Cure B A | Non QM | Exempt from ATR | Yes |
| (redacted) | 8 (redacted) |  | 36239337 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide evidence that the [redacted] has no affiliation with the borrower or the business. |  |  |  | Reviewer Comment (2025-11-10): Email from CPA received, exception cleared.<br>Buyer Comment (2025-11-07): email from cpa | 11/10/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 8 (redacted) |  | 36239339 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | [redacted] for [redacted] is missing from the file. |  |  |  | Reviewer Comment (2025-11-10): Gift letter received, exception cleared.<br>Buyer Comment (2025-11-10): see attached | 11/10/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 8 (redacted) |  | 36239340 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-08): Waived. Informational only. |  |  | 12/08/2025 | 2 A |  | CT | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 9 (redacted) |  | 36239342 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing the [redacted] for [redacted] and [redacted]. Also, lender used [redacted] business ownership; however, entity docs reflect [redacted] ownership. |  |  |  | Reviewer Comment (2025-12-08): Corrected 1003 with e-sign documented along with signed [redacted]<br>Buyer Comment (2025-12-08): See corrected 1003 attached. Thank you.<br>Reviewer Comment (2025-11-18): Provide the corrected 1003 signed by the borrower along with evidence it was sent to borrower to sign.<br>Buyer Comment (2025-11-14): Please find attached updated P&L income calc sheet with updated 1008 & 1003. Thank you.<br>Reviewer Comment (2025-11-14): [redacted] received. As per CPA letter borrower is [redacted] owner of the business, but the lender has used [redacted] income for the business. Exception remains.<br>Buyer Comment (2025-11-13): Please see attached [redacted] | 12/08/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A | N/A | Exempt from ATR | No |
| (redacted) | 9 (redacted) |  | 36239343 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing the final [redacted]. Copy in file is an estimate. |  |  |  | Reviewer Comment (2025-11-14): Final HUD-1 received. Exception cleared.<br>Buyer Comment (2025-11-13): Please see stamped final HUD-1 attached. Thank you. | 11/14/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A | N/A | Exempt from ATR | No |
| (redacted) | 9 (redacted) |  | 36239345 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing the [redacted] for [redacted] and [redacted] |  |  |  | Reviewer Comment (2025-11-14): 4506-C received & associated. Exception cleared.<br>Buyer Comment (2025-11-13): Please see attached 4506C | 11/14/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A | N/A | Exempt from ATR | No |
| (redacted) | 9 (redacted) |  | 36239346 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: [redacted] / [redacted] not provided |  | Provide a pay history for subject property from first payment through [redacted] payment. |  |  |  | Reviewer Comment (2025-11-14): Verification of rent received. Exception cleared.<br>Buyer Comment (2025-11-13): Please find rental confirmation receipt from landlords bk statement printout along with lease renewal. Thank you. | 11/14/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A | N/A | Exempt from ATR | No |
| (redacted) | 9 (redacted) |  | 36239347 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-11-14): Title supplement received. Exception cleared.<br>Buyer Comment (2025-11-13): Please find Title supplement reflecting loan amount of [redacted] | 11/14/2025 |  |  | 1 B A |  | CA | Investment | Refinance - Cash-out - Other | C A | N/A | Exempt from ATR | No |
| (redacted) | 10 (redacted) |  | 36239350 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | Reviewer Comment (2025-12-01): Evidence of the undiscounted rate provided in trailing docs. | 12/01/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 10 (redacted) |  | 36239351 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | Reviewer Comment (2025-12-01): Evidence of the undiscounted rate provided in trailing docs. | 12/01/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 10 (redacted) |  | 36239352 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of [redacted] of the amount past due or grace period of less than [redacted] |  |  |  |  | Reviewer Comment (2025-12-01): Evidence of the undiscounted rate provided in trailing docs. | 12/01/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 10 (redacted) |  | 36239353 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [redacted] is in excess of the allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees of [redacted] on a Federal Total Loan Amount of [redacted] vs. an allowable total of [redacted] (an overage of [redacted] or . [redacted]). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2025-12-01): Evidence of the undiscounted rate provided in trailing docs.<br>Buyer Comment (2025-11-26): Finde rate stack and lock to clear outstanding conditions<br>Reviewer Comment (2025-11-25): Evidence of the undiscounted interest rate (full lock) will be required for review of this condition to determine if the points are bonafide discount points<br>Buyer Comment (2025-11-24): [redacted]% of the discount points are considered bona fide and should be excluded from the test. The par rate is [redacted]%.<br>§ [redacted]<br> E) Up to [redacted] bona fide discount points paid by the consumer in connection with the transaction, if the interest rate without any discount does not exceed:<br> (1) The average prime offer rate, as defined in § [redacted], by more than [redacted] percentage point; or<br> (2) For purposes of paragraph [redacted] of this section, for transactions that are secured by personal property, the average rate for a loan insured under Title I of the National Housing Act ([redacted]) by more than [redacted] percentage point; and<br> (F) If no discount points have been excluded under paragraph [redacted] of this section, then up to [redacted] bona fide discount point paid by the consumer in connection with the transaction, if the interest rate without any discount does not exceed: | 12/01/2025 |  |  | 1 C A |  | FL | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C | Non QM | Exempt from ATR | Yes |
| (redacted) | 10 (redacted) |  | 36239354 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | Reviewer Comment (2025-12-01): Evidence of the undiscounted rate provided in trailing docs. | 12/01/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 10 (redacted) |  | 36239355 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-26): [redacted] lender testing ATR.<br>Buyer Comment (2026-01-22): Please waive. |  |  | 01/26/2026 | 2 A |  | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 11 (redacted) |  | 36239360 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid Change of circumstance provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-11-25): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 11/25/2025 |  |  | 1 C A |  | CA | 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 | Exempt from ATR | Yes |
| (redacted) | 11 (redacted) |  | 36239361 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-25): Sufficient Cure Provided At Closing |  | 11/25/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Exempt from ATR | Yes |
| (redacted) | 11 (redacted) |  | 36239362 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-08): Waived. Informational only. |  |  | 12/08/2025 | 2 A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| (redacted) | 12 (redacted) |  | 36239369 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Insufficient or no cure provided at closing. A valid COC not provided for change in fee. |  |  |  | Reviewer Comment (2025-12-17): [redacted] received a valid COC.<br>Buyer Comment (2025-12-16): [redacted]-Please see attached lock confirmations<br>Reviewer Comment (2025-12-12): [redacted] received COC dated [redacted] which was already in file but as per COC the loan amount was increased while the lender credit has decreased. If lender credit reduced at the exact same percentage that the loan amount change, then there are no other changes in the loan other than a change in the loan amount. If the lender credit reduces at a different percentage than the change in loan amount, either up or down, then the reduction in loan amount is not the only reason for reduction of the lender credit. In that case, the other reasons (program change, fee change) for the reduction need to be ascertained to ensure the borrower was properly informed and all disclosure timelines were met, or a cure is owed.<br>Buyer Comment (2025-12-11): Attached is COC for decrease in lender credits | 12/17/2025 |  |  | 1 C A |  | NJ | 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 | Exempt from ATR | Yes |
| (redacted) | 12 (redacted) |  | 36239371 |  | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. |  | Final CD signature date by borrower reflects [redacted]. |  |  |  | Reviewer Comment (2025-12-15): Received revised corrected signed date closing disclosure, Exception Cleared.<br>Buyer Comment (2025-12-11): Attached find corrected signed date of signature for CD | 12/15/2025 |  |  | 1 B A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 12 (redacted) |  | 36239372 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | File is missing the required verbal verification with the [redacted] prior to closing on the P&L program. | 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>Borrower has verified disposable income of at least $[redacted]. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted]<br>Documentation Type: [redacted]<br> Disposable Income: $[redacted] | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-19): Waived with compensating factors per lender exception received in trailing docs. Lender relied on CPA license in file at time of consummation.<br>Buyer Comment (2025-12-15): Lender accepts. Please waive with available compensating factors.<br>Reviewer Comment (2025-12-15): The document provided is dated after closing and was not completed with the actual [redacted] as required per the guidelines.<br>Buyer Comment (2025-12-15): VVOE |  |  | 12/19/2025 | 2 C B |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 12 (redacted) |  | 36239373 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing the required verbal verification with the [redacted] prior to closing on the P&L program. | 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>Borrower has verified disposable income of at least $[redacted]. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted]<br>Documentation Type: [redacted]<br> Disposable Income: $[redacted] | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-19): Waived with compensating factors per lender exception received in trailing docs. Lender relied on CPA license in file at time of consummation.<br>Buyer Comment (2025-12-15): Lender accepts. Please waive with available compensating factors.<br>Reviewer Comment (2025-12-15): The document provided is dated after closing and was not completed with the actual CPA as required per the guidelines.<br>Buyer Comment (2025-12-15): see attached VVOE |  |  | 12/19/2025 | 2 C B |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 12 (redacted) |  | 36239374 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-08): Waived. Informational only. |  |  | 12/08/2025 | 2 A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 12 (redacted) |  | 36239375 |  | 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. | File is missing the required verbal verification with the [redacted] prior to closing on the P&L program. |  |  |  | Reviewer Comment (2025-12-19): Lender approved exception provided.<br>Buyer Comment (2025-12-15): Lender accepts. Please waive with available compensating factors.<br>Reviewer Comment (2025-12-15): The document provided is dated after closing and was not completed with the actual CPA as required per the guidelines.<br>Buyer Comment (2025-12-15): see attached VVOE | 12/19/2025 |  |  | 1 B A C |  | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Exempt from ATR | Yes |
| (redacted) | 12 (redacted) |  | 36239377 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | 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 the required verbal verification with the [redacted] prior to closing on the P&L program. |  |  |  | Reviewer Comment (2025-12-19): Loan is NonQM.<br>Buyer Comment (2025-12-15): Lender accepts. Please waive with available compensating factors.<br>Reviewer Comment (2025-12-15): The document provided is dated after closing and was not completed with the actual CPA as required per the guidelines.<br>Buyer Comment (2025-12-15): see attached VVOE | 12/19/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 12 (redacted) |  | 36239378 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Exempt from ATR matches the Due Diligence Loan Designation of Exempt from ATR. | [redacted] lender; however, requesting ATR equivalency. |  |  |  | Reviewer Comment (2025-12-19): Client elects to waive. |  |  | 12/19/2025 | 2 A B |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 13 (redacted) |  | 36239380 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-12-16): E-sign consent.<br>Buyer Comment (2025-12-16): Please see attached E-Sign Consent | 12/16/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 13 (redacted) |  | 36239381 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted] due to Loan Discount Points. No valid COC provided, fee increased on [redacted] COC redisclosure date is [redacted], Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-12-16): COC received in trailing documents. | 12/16/2025 |  |  | 1 C A |  | FL | 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 | Exempt from ATR | Yes |
| (redacted) | 13 (redacted) |  | 36239382 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted] due to Appraisal Re-Inspection Fee., Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-01-02): [redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-12-31): Please see attached Refund Documents |  | 01/02/2026 |  | 2 C B |  | FL | 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 | Exempt from ATR | Yes |
| (redacted) | 13 (redacted) |  | 36239384 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-12-16): E-sign consent.<br>Buyer Comment (2025-12-16): Please see trailing document - E-Sign Consent | 12/16/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 13 (redacted) |  | 36239385 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-26): [redacted] lender testing ATR.<br>Buyer Comment (2026-01-22): Please waive. |  |  | 01/26/2026 | 2 A |  | FL | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 14 (redacted) |  | 36239399 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Please provide page [redacted]. | Borrower has been employed in the same industry for more than [redacted] years.<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>Borrower has verified disposable income of at least $[redacted]. | Borrower has been employed in the same industry for more than [redacted] years.<br>DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]%<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted]<br>Documentation Type: [redacted]<br> Disposable Income: $[redacted] | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-28): Lender approved exception post close with compensating factors FICO over [redacted] points of min, DTI is at least [redacted]% less than min required, Borrower has verified disposable income of at least $[redacted] and borrower has been employed in the same industry more than [redacted] years.<br>Buyer Comment (2026-01-28): Please find exception attached. Thank you.<br>Reviewer Comment (2025-12-19): A complete ITIN is missing. Exception Remains<br>Buyer Comment (2025-12-17): [redacted], will you please be so kind to advise exactly what you are requesting here? Thanks so much. |  |  | 01/28/2026 | 2 C B D |  | FL | Primary | Purchase | D B A | Non QM | Exempt from ATR | No |
| (redacted) | 14 (redacted) |  | 36239400 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The notary date on the Security Instrument appears to be incorrect, as borrowers signed [redacted]; however, notary date reflects [redacted]. If date is incorrect, please provide scrivener's affidavit, correcting notary date, with intent to record. |  |  |  | Reviewer Comment (2026-01-23): Received [redacted] affidavit document. Verified and updated details. Exception Cleared.<br>Buyer Comment (2026-01-21): Please see attached Scriveners Affidavit. Thank you. | 01/23/2026 |  |  | 1 C A |  | FL | Primary | Purchase | D B A | Non QM | Exempt from ATR | No |
| (redacted) | 14 (redacted) |  | 36239401 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | Borrower is married and the loan application disclosed no housing history or expense Per guidelines, a letter from the spouse and evidence of spouse's mortgage lease is required, but missing from the loan file. | 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 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>Borrower has verified disposable income of at least $[redacted]. | Borrower has been employed in the same industry for more than [redacted] years.<br>DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]%<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted]<br>Documentation Type: [redacted]<br> Disposable Income: $[redacted] | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-28): Lender approved exception post close with compensating factors FICO over [redacted] points of min, DTI is at least [redacted]% less than min required, Borrower has verified disposable income of at least $[redacted] and borrower has been employed in the same industry more than [redacted] years.<br>Buyer Comment (2026-01-28): Please find exception attached. Thank you.<br>Reviewer Comment (2026-01-23): Per the guidelines: Borrowers living rent free with a spouse are acceptable with rent-free letter from spouse and evidence of spouse's mortgage or current lease.<br>Buyer Comment (2026-01-21): Rent free pricing charged to the Borrower. Thank you.<br>Buyer Comment (2026-01-21): [redacted] please note: We do not have an LOE, borrower was hit with rent free. If there was LOE from spouse, then we would not consider borrower rent free by our guidelines. Please clear Thank you. |  |  | 01/28/2026 | 2 C B |  | FL | Primary | Purchase | D B A | Non QM | Exempt from ATR | No |
| (redacted) | 14 (redacted) |  | 36239402 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided |  | The file is missing an unexpired passport or government-issued photo identification. (Foreign Passport in file photo is illegible and name and birthdate don't match borrower's) |  |  |  | Reviewer Comment (2026-01-28): [redacted] received. Exception cleared.<br>Reviewer Comment (2025-12-19): Driver's license received but a complete ITIN is missing. Exception Remains<br>Buyer Comment (2025-12-17): Please find attached valid driver's license & date of birth matches 1003. Thank you. | 01/28/2026 |  |  | 1 B A |  | FL | Primary | Purchase | D B A | Non QM | Exempt from ATR | No |
| (redacted) | 14 (redacted) |  | 36239403 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive. |  |  | 12/22/2025 | 2 A |  | FL | Primary | Purchase | D B A | Non QM | Exempt from ATR | No |
| (redacted) | 15 (redacted) |  | 36239408 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee was not disclosed on Loan Estimate. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2026-01-29): [redacted] received COC dated [redacted]<br>Buyer Comment (2026-01-28): Please see attached COC- the CD shows the Appraisal Re-Inspection fee was added of $[redacted], then on the Final CD it was lowered to $[redacted]. I also have uploaded the COC that shows that the $[redacted] Appraisal Reinspection fee was added. | 01/29/2026 |  |  | 1 C A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Exempt from ATR | Yes |
| (redacted) | 15 (redacted) |  | 36239409 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | File is missing full fraud report. Only the Alerts Summary is in file. |  |  |  | Reviewer Comment (2026-01-28): Fraud report received. Exception cleared.<br>Buyer Comment (2026-01-25): [redacted]-Please see attached | 01/28/2026 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 15 (redacted) |  | 36239410 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-26): [redacted] lender testing ATR.<br>Buyer Comment (2026-01-22): Please waive. |  |  | 01/26/2026 | 2 A |  | GA | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 16 (redacted) |  | 36239421 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-26): CDFI lender testing ATR.<br>Buyer Comment (2026-01-22): Please waive. |  |  | 01/26/2026 | 2 A |  | CA | Primary | Refinance - Cash-out - Other | A | Non QM | Exempt from ATR | No |
| (redacted) | 17 (redacted) |  | 36239426 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-26): CDFI lender testing ATR.<br>Buyer Comment (2026-01-22): Please waive. |  |  | 01/26/2026 | 2 A |  | CT | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| (redacted) | 18 (redacted) |  | 36239430 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-26): CDFI lender testing ATR.<br>Buyer Comment (2026-01-22): Please waive. |  |  | 01/26/2026 | 2 A |  | FL | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| (redacted) | 19 (redacted) |  | 36239431 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | Final title policy document is not provided |  |  |  | Reviewer Comment (2025-12-31): Title Final received & associated. Exception cleared. | 12/31/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 19 (redacted) |  | 36239432 |  | Credit | Title | Document Error | Title | 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. |  | On received title preliminary document loan amount is not provided |  |  |  | Reviewer Comment (2025-12-31): Title Final received & coverage amount updated. Exception cleared.<br>Buyer Comment (2025-12-29): Final Title Policy attached. | 12/31/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 20 (redacted) |  | 36239436 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2026-01-02): E-Sign Consent Agreement received, exception cleared<br>Buyer Comment (2025-12-30): See attached | 01/02/2026 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 20 (redacted) |  | 36239438 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | [redacted] Business Bank Statement missing from file. |  |  |  | Reviewer Comment (2026-01-02): Received [redacted] business bank statement, Exception Cleared<br>Buyer Comment (2025-12-30): [redacted] Statement attached | 01/02/2026 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 20 (redacted) |  | 36239439 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | [redacted] Business Bank Statement missing from file. |  |  |  | Reviewer Comment (2026-01-02): Received [redacted] business bank statement, Exception Cleared | 01/02/2026 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 20 (redacted) |  | 36239443 |  | 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 [redacted] Business Bank Statement missing from file. |  |  |  | Reviewer Comment (2026-01-02): Received [redacted] business bank statement, Exception Cleared | 01/02/2026 |  |  | 1 B A C |  | WA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| (redacted) | 20 (redacted) |  | 36239444 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | 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 [redacted] Business Bank Statement missing from file. |  |  |  | Reviewer Comment (2026-01-02): Received [redacted] business bank statement, Exception Cleared | 01/02/2026 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 20 (redacted) |  | 36239445 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing bank statement for [redacted]. |  |  |  | Reviewer Comment (2026-01-02): Received [redacted] business bank statement, Exception Cleared | 01/02/2026 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 20 (redacted) |  | 36239446 |  | 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.) | Waterfall due to missing bank statement for [redacted]. |  |  |  | Reviewer Comment (2026-01-02): Received [redacted] business bank statement, Exception Cleared | 01/02/2026 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 20 (redacted) |  | 36239447 |  | 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 addressed |  |  |  | Reviewer Comment (2026-01-02): Post-consummation dated fraud report clearing all red flags received in trailing docs.<br>Reviewer Comment (2026-01-02): Received fraud report is post closed and require before closing, exception remains<br>Buyer Comment (2025-12-30): See attached | 01/02/2026 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 20 (redacted) |  | 36239448 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | For the current primary residence, provide a full [redacted] rent history including copies of cancelled checks (front and back) or bank statements evidencing timely payments due to private landlord. Missing [redacted] cancelled checks or bank statements.. |  |  |  | Reviewer Comment (2026-01-02): Received [redacted]month rent history, Exception cleared<br>Buyer Comment (2025-12-30): See attached | 01/02/2026 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 21 (redacted) |  | 36239451 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from [redacted] submitted with a loan originator designation of other than ATR Exempt. [redacted] testing performed to determine if an exempt loan would otherwise meet [redacted] criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-26): CDFI lender testing ATR.<br>Buyer Comment (2026-01-22): Please waive. |  |  | 01/26/2026 | 2 A |  | FL | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| (redacted) | 22 (redacted) |  | 36239452 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted]/Declarations are incomplete: D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? reflects neither Yes nor No. Unable to determine qualification without this information. |  | Declaration section is blank for Co-borrower. |  |  |  | Reviewer Comment (2026-01-13): Received Corrected Final 1003 of Co-borrower with complete declaration section. information validated. Exception Cleared.<br>Buyer Comment (2026-01-09): see attached 1003<br>Buyer Comment (2026-01-09): 1003 | 01/13/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 22 (redacted) |  | 36239453 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: D. 2. Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application? reflects neither Yes nor No. Unable to determine qualification without this information. |  | Declaration section is blank for Co-borrower. |  |  |  | Reviewer Comment (2026-01-13): Received Corrected Final 1003 of Co-borrower with complete declaration section. information validated. Exception Cleared.<br>Buyer Comment (2026-01-09): see attached 1003 | 01/13/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 22 (redacted) |  | 36239454 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects neither Yes nor No. Unable to determine qualification without this information. |  | Declaration section is blank for Co-borrower. |  |  |  | Reviewer Comment (2026-01-13): Received Corrected Final 1003 of Co-borrower with complete declaration section. information validated. Exception Cleared.<br>Buyer Comment (2026-01-09): see attached 1003 | 01/13/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 22 (redacted) |  | 36239458 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee $[redacted]was changed on closing disclosure. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2026-01-14): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2026-01-13): Attached are cure docs |  | 01/14/2026 |  | 2 C B |  | CA | 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 | Exempt from ATR | Yes |
| (redacted) | 22 (redacted) |  | 36239460 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-26): [redacted]lender testing ATR.<br>Buyer Comment (2026-01-22): Please waive. |  |  | 01/26/2026 | 2 A |  | CA | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 23 (redacted) |  | 36239464 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | ITIN letter is dated [redacted]. Provide evidence the ITIN is not expired with one of the following:<br>[redacted]IRS letter dated less than [redacted]years ago<br> o Fully executed [redacted], including agent's signature<br> o Letter from tax preparer confirming they have filed the borrower's most<br> recent tax return with the IRS. CPA does not confirm filing the borrowers [redacted]tax returns. |  |  |  | Reviewer Comment (2026-01-14): Received letter of explanation from tax preparer confirming they have filed the borrower's most recent tax return with the IRS. Exception cleared.<br>Buyer Comment (2026-01-12): [redacted]-Please see attached CPA letter<br>Buyer Comment (2026-01-12): [redacted]-Please see attached | 01/14/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | C A | Non QM | Exempt from ATR | No |
| (redacted) | 23 (redacted) |  | 36239465 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-26): CDFI lender testing ATR.<br>Buyer Comment (2026-01-22): Please waive. |  |  | 01/26/2026 | 2 A |  | FL | Primary | Refinance - Rate/Term | C A | Non QM | Exempt from ATR | No |
| (redacted) | 24 (redacted) |  | 36239469 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow a [redacted]Market Rent Analysis to verify rental amounts received in order to offset liabilities. Borrower does not have active leases for [redacted]investment properties. Leases state cash security deposits. | The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Borrower has verified disposable income of at least $[redacted]. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted]<br>Documentation Type: [redacted]<br> Disposable Income: $[redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-20): Waived with compensating factors at clients request.<br>Buyer Comment (2026-01-16): Please waive due to the following compensating factors: Borrower LTV is under the max of [redacted]%. Borrowers have good ratios of ratios [redacted]% & [redacted]%.<br> Borrower has great self-employment history of over [redacted]+yrs. Reserves of over [redacted]. Thank you. |  |  | 01/20/2026 | 2 C B |  | NV | Primary | Refinance - Cash-out - Other | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 24 (redacted) |  | 36239471 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Cure provided of $[redacted]appears to be for [redacted] Percent, [redacted]appraisal and re-inspection fee. However additional violation for loan originator compensation causes all tolerance exceptions to remain open. |  |  |  | Reviewer Comment (2026-01-23): [redacted] received [redacted].<br>Reviewer Comment (2026-01-16): [redacted] Please confirm Cure amount $[redacted]at closing includes cure for ten percent fee.<br>Buyer Comment (2026-01-15): Please see attached COC | 01/23/2026 |  |  | 1 C A |  | NV | 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 | Exempt from ATR | Yes |
| (redacted) | 24 (redacted) |  | 36239472 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Cure provided of $[redacted]appears to be for [redacted] Percent, [redacted]appraisal and re-inspection fee. However additional violation for loan originator compensation causes all tolerance exceptions to remain open. |  |  |  | Reviewer Comment (2026-01-23): [redacted] received [redacted].<br>Reviewer Comment (2026-01-16): [redacted] Please confirm Cure amount $[redacted]at closing includes cure for Second appraisal fee.<br>Buyer Comment (2026-01-15): Please see attached COC | 01/23/2026 |  |  | 1 C A |  | NV | 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 | Exempt from ATR | Yes |
| (redacted) | 24 (redacted) |  | 36239473 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Cure provided of $[redacted]appears to be for [redacted] Percent, [redacted]appraisal and re-inspection fee. However additional violation for loan originator compensation causes all tolerance exceptions to remain open. |  |  |  | Reviewer Comment (2026-01-23): [redacted] received [redacted].<br>Reviewer Comment (2026-01-16): [redacted] Please confirm Cure amount $[redacted]at closing includes cure for Appraisal Re-inspection fee.<br>Buyer Comment (2026-01-15): Please see attached COC | 01/23/2026 |  |  | 1 C A |  | NV | 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 | Exempt from ATR | Yes |
| (redacted) | 24 (redacted) |  | 36239474 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Fee increased on Loan Estimate issued [redacted] however change form indicated the loan amount increased on [redacted], [redacted]business days elapsed between change and re-disclosure, exceeding [redacted]day requirement. |  |  |  | Reviewer Comment (2026-01-23): [redacted] received [redacted].<br>Reviewer Comment (2026-01-20): Cure documents are required. LOX from lender is not required.<br>Reviewer Comment (2026-01-16): [redacted] Received COC dated [redacted] and fee increased on LE dated [redacted] which is not within [redacted]days as [redacted]is considered as working day. Provide LOE conforming lender were not working on [redacted]or provide Cure Docs. Cure Docs consists of PCCD, LOE, Refund Check and Proof of Mailing.<br>Buyer Comment (2026-01-15): Please see attached COC | 01/23/2026 |  |  | 1 C A |  | NV | 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 | Exempt from ATR | Yes |
| (redacted) | 24 (redacted) |  | 36239475 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-23): Waived at clients request.<br>Buyer Comment (2026-01-22): Please waive. |  |  | 01/23/2026 | 2 A |  | NV | Primary | Refinance - Cash-out - Other | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 24 (redacted) |  | 36239476 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Fee changed without [redacted]. |  |  |  | Reviewer Comment (2026-01-23): Sufficient Cure Provided At Closing |  | 01/23/2026 |  | 1 A |  | NV | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Exempt from ATR | Yes |
| (redacted) | 24 (redacted) |  | 36239477 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Fee changed without [redacted]. |  |  |  | Reviewer Comment (2026-01-23): Sufficient Cure Provided At Closing |  | 01/23/2026 |  | 1 A |  | NV | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Exempt from ATR | Yes |
| (redacted) | 24 (redacted) |  | 36239478 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Fee changed without [redacted]. |  |  |  | Reviewer Comment (2026-01-23): Sufficient Cure Provided At Closing |  | 01/23/2026 |  | 1 A |  | NV | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Exempt from ATR | Yes |
| (redacted) | 25 (redacted) |  | 36239481 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW discretion required for borrower living rent free with someone other than a spouse. |  |  |  | Reviewer Comment (2026-01-15): UW direction for borrower living rent free available on 1008. Exception cleared.<br>Buyer Comment (2026-01-13): UW discretion | 01/15/2026 |  |  | 1 C A |  | CT | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 25 (redacted) |  | 36239482 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-26): CDFI lender testing ATR.<br>Buyer Comment (2026-01-22): Please waive. |  |  | 01/26/2026 | 2 A |  | CT | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 26 (redacted) |  | 36239486 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-26): CDFI lender testing ATR.<br>Buyer Comment (2026-01-22): Please waive. |  |  | 01/26/2026 | 2 A |  | VA | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| (redacted) | 27 (redacted) |  | 36239491 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Different lender on Appraisal. |  |  |  | Reviewer Comment (2026-01-16): Received Appraisal Transfer Letter from [redacted]. Exception cleared. | 01/16/2026 |  |  | 1 B A |  | TN | Primary | Purchase | B A | Non QM | Exempt from ATR | No |
| (redacted) | 27 (redacted) |  | 36239494 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | The file is missing the Appraisal Transfer Letter from [redacted]. |  |  |  | Reviewer Comment (2026-01-16): Received Appraisal Transfer Letter from [redacted]. Exception cleared.<br>Buyer Comment (2026-01-14): transfer letter<br>Reviewer Comment (2026-01-14): Appraisal Transfer Letter is not received in trailing documents. Exception Remains.<br>Buyer Comment (2026-01-12): invoice<br>Buyer Comment (2026-01-12): per guidelines, this product does not require appraisal transfer letter. Attached invoice is required. | 01/16/2026 |  |  | 1 B A |  | TN | Primary | Purchase | B A | Non QM | Exempt from ATR | No |
| (redacted) | 27 (redacted) |  | 36239495 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | Unable to determine if Safe Harbor requirements are met due to missing information. | Unable to determine if Safe Harbor requirements are met due to missing information. |  |  |  | Reviewer Comment (2026-01-22): Appraisal transfer letter received.<br>Buyer Comment (2026-01-20): Please specify which document you required and also see attached appraisal proof of delivery. | 01/22/2026 |  |  | 1 A |  | TN | Primary | Purchase | B A | Non QM | Exempt from ATR | No |
| (redacted) | 27 (redacted) |  | 36239496 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-02-19): [redacted] lender testing ATR. |  |  | 02/19/2026 | 2 A |  | TN | Primary | Purchase | B A | Non QM | Exempt from ATR | No |
| (redacted) | 28 (redacted) |  | 36239501 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-26): [redacted] lender testing ATR.<br>Buyer Comment (2026-01-22): Please waive. |  |  | 01/26/2026 | 2 A |  | FL | Primary | Refinance - Cash-out - Other | A | Non QM | Exempt from ATR | No |
| (redacted) | 29 (redacted) |  | 36239503 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (2026-01-05): Sufficient Cure Provided At Closing |  | 01/05/2026 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Non QM | Exempt from ATR | Yes |
| (redacted) | 29 (redacted) |  | 36239505 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-26): [redacted] lender testing ATR.<br>Buyer Comment (2026-01-22): Please waive. |  |  | 01/26/2026 | 2 A |  | TX | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| (redacted) | 30 (redacted) |  | 36239508 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-26): [redacted] lender testing ATR.<br>Buyer Comment (2026-01-22): Please waive. |  |  | 01/26/2026 | 2 A |  | DC | Primary | Refinance - Cash-out - Other | A | Non QM | Exempt from ATR | No |
| (redacted) | 31 (redacted) |  | 36239511 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | File is missing warranty deed transferring ownership to borrowers. |  |  |  | Reviewer Comment (2026-01-22): Deed received, exception cleared.<br>Buyer Comment (2026-01-20): Please see attached & please confirm if acceptable. Thanks so much.<br>Buyer Comment (2026-01-20): Please find exception attached. Thank you. | 01/22/2026 |  |  | 1 D A |  | SC | Primary | Purchase | D A | Non QM | Exempt from ATR | No |
| (redacted) | 31 (redacted) |  | 36239512 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrowers are currently living rent-free with someone other than a spouse. This does not meet guidelines. File is missing rate lock with LLPA and underwriter discretion documentation. |  |  |  | Reviewer Comment (2026-01-21): Received 1008 reflects Underwriter discretion for borrower living rent free. Verified and updated details. Exception Cleared<br>Buyer Comment (2026-01-16): Please see 1008 with UW rent free commentary. Thank you. | 01/21/2026 |  |  | 1 C A |  | SC | Primary | Purchase | D A | Non QM | Exempt from ATR | No |
| (redacted) | 31 (redacted) |  | 36239513 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | File is missing documentation that the donor gave the closing agent the gift funds in the form of a certified check, cashier's check, or wire. |  |  |  | Reviewer Comment (2026-01-21): Gift wire Confirmation received to title co and verified. Exception cleared.<br>Buyer Comment (2026-01-16): See gift wire to title co. attached for [redacted] | 01/21/2026 |  |  | 1 C A |  | SC | Primary | Purchase | D A | Non QM | Exempt from ATR | No |
| (redacted) | 31 (redacted) |  | 36239514 |  | Credit | Missing Document | General | Missing Document | Missing Document: Official Check not provided |  | File is missing documentation that the donor gave the closing agent the gift funds in the form of a certified check, cashier's check, or wire. |  |  |  | Reviewer Comment (2026-01-21): Gift wire Confirmation received and details verified. Exception cleared.<br>Buyer Comment (2026-01-16): See gift wire to title company attached for [redacted] | 01/21/2026 |  |  | 1 C A |  | SC | Primary | Purchase | D A | Non QM | Exempt from ATR | No |
| (redacted) | 32 (redacted) |  | 36239519 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] SB 1894 | [redacted] Predatory Lending Database Program (SB [redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. | [redacted] - County - Certificate of Compliance or Exemption - [redacted]was not provided. |  |  |  | Reviewer Comment (2026-01-23): document received.<br>Buyer Comment (2026-01-21): [redacted]-Please see attached | 01/23/2026 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 32 (redacted) |  | 36239522 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-26): [redacted] lender testing ATR.<br>Buyer Comment (2026-01-22): Please see attached doc |  |  | 01/26/2026 | 2 A |  | IL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 33 (redacted) |  | 36239525 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Lender did not consider mortgage payments from primary residence and investment properties except the subject property. DTI exceeds [redacted]% including all investment properties payments. | 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 representative FICO score exceeds the guideline minimum by at least [redacted] points. | Documentation Type: [redacted]<br> Disposable Income: $[redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-02-16): Waived with compensating factors per post-consummation lender exception approval.<br>Buyer Comment (2026-02-11): exception<br>Reviewer Comment (2026-02-10): Data has been updated and DTI exceeds guideline maximum of [redacted]. Calculated DTI is [redacted]<br>Reviewer Comment (2026-02-10): 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 (2026-02-06): revised 1008<br>Buyer Comment (2026-02-06): our guidelines do not require a [redacted] vacancy per guidelines, for an investment property, rental income can only be used to offset the PITIA of the subject property (in other words, it is limited to [redacted] positive cash flow ;<br> see attached revised 1008; once we agree on DTI I will provide an exception<br>Reviewer Comment (2026-02-06): Provided 1008 shows income amount as [redacted] which is lower than the income worksheet. Also, no vacancy factor was considered for rental income as per provided 1008. Considering [redacted] vacancy factor and [redacted] income, current DTI is at [redacted]<br>Also, the maximum DTI is [redacted] due to LTV is greater than [redacted]. The DTI of [redacted]in given 1008 is greater than [redacted]. Exception remains.<br>Buyer Comment (2026-02-04): revised 1008 updated with rent income<br>Buyer Comment (2026-02-04): revised bank statement worksheet<br>Buyer Comment (2026-02-04): [redacted] rent<br>Buyer Comment (2026-02-04): Dec [redacted] rent<br>Buyer Comment (2026-02-04): lease for subject<br>Reviewer Comment (2026-01-27): Re-validated income as per UW worksheet, but DTI [redacted] is still higher then [redacted] due to REO properties PITIA. Exception remains.<br>Buyer Comment (2026-01-23): approval<br>Buyer Comment (2026-01-23): CPA letter<br>Buyer Comment (2026-01-23): UW notes<br>Buyer Comment (2026-01-23): income worksheet<br>Buyer Comment (2026-01-23): 1008 |  |  | 02/16/2026 | 2 C B |  | FL | Investment | Refinance - Rate/Term | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 33 (redacted) |  | 36239526 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing a verbal VOE within [redacted]business days from closing. |  |  |  | Reviewer Comment (2026-01-20): Borrower broker business license was searched within [redacted] business days of closing date.<br>Buyer Comment (2026-01-15): license search dated [redacted] within [redacted] business days | 01/20/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 34 (redacted) |  | 36239528 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial [redacted] |  | Provided initial [redacted]application document is not signed and dated by the borrower. Required completely filled initial [redacted]document. |  |  |  | Reviewer Comment (2026-02-11): Signed initial 1003 received in trailing docs.<br>Buyer Comment (2026-02-11): See attached initial signed 1003 with the elect proof of date when signed.<br>Reviewer Comment (2026-02-04): Received initial 1003 Application is missing signature dated of borrower and/or not signed and dated loan originator. Exception remains.<br>Buyer Comment (2026-02-02): Find attached intial 1003 | 02/11/2026 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Exempt from ATR | No |
| (redacted) | 34 (redacted) |  | 36239531 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-26): [redacted] lender testing ATR.<br>Buyer Comment (2026-01-22): Please waive. |  |  | 01/26/2026 | 2 A |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Exempt from ATR | No |
| (redacted) | 35 (redacted) |  | 36239535 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-26): [redacted] lender testing ATR.<br>Buyer Comment (2026-01-22): Please waive. |  |  | 01/26/2026 | 2 A |  | CA | Primary | Refinance - Rate/Term | A | Non QM | Exempt from ATR | No |
| (redacted) | 36 (redacted) |  | 36239537 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-26): [redacted] lender testing ATR.<br>Buyer Comment (2026-01-22): Please waive. |  |  | 01/26/2026 | 2 A |  | FL | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| (redacted) | 37 (redacted) |  | 36239543 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-26): [redacted] lender testing ATR.<br>Buyer Comment (2026-01-22): Please waive. |  |  | 01/26/2026 | 2 A |  | CT | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| (redacted) | 38 (redacted) |  | 36239546 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-26): [redacted] lender testing ATR.<br>Buyer Comment (2026-01-22): Please waive. |  |  | 01/26/2026 | 2 A |  | VA | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| (redacted) | 39 (redacted) |  | 36239550 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-26): [redacted] lender testing ATR.<br>Buyer Comment (2026-01-22): Please waive. |  |  | 01/26/2026 | 2 A |  | TX | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| (redacted) | 40 (redacted) |  | 36239558 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-26): [redacted] lender testing ATR.<br>Buyer Comment (2026-01-22): Please waive. |  |  | 01/26/2026 | 2 A |  | CA | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| (redacted) | 41 (redacted) |  | 36239562 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] [redacted] business days prior to closing. | Initial closing disclosure was not provided to the borrower. |  |  |  | Reviewer Comment (2026-02-09): [redacted] received [redacted] Initial CD, [redacted] business days prior to the consummation.<br>Buyer Comment (2026-02-06): Attached is signed ICD | 02/09/2026 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure A | Non QM | Exempt from ATR | No |
| (redacted) | 41 (redacted) |  | 36239564 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-26): [redacted] lender testing ATR.<br>Buyer Comment (2026-01-22): Please waive. |  |  | 01/26/2026 | 2 A |  | CA | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 42 (redacted) |  | 36239568 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-26): [redacted] lender testing ATR.<br>Buyer Comment (2026-01-22): Please waive. |  |  | 01/26/2026 | 2 A |  | CO | Primary | Refinance - Cash-out - Other | A | Non QM | Exempt from ATR | No |
| (redacted) | 43 (redacted) |  | 36239571 |  | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. |  |  |  |  | Reviewer Comment (2026-01-23): Received Co-First Lien Refinance Notice document. Exception Cleared.<br>Buyer Comment (2026-01-21): Please see attached | 01/23/2026 |  |  | 1 B A |  | CO | Primary | Refinance - Cash-out - Other | B A | Non QM | Exempt from ATR | No |
| (redacted) | 43 (redacted) |  | 36239572 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-26): [redacted] lender testing ATR.<br>Buyer Comment (2026-01-23): Please waive. |  |  | 01/26/2026 | 2 A |  | CO | Primary | Refinance - Cash-out - Other | B A | Non QM | Exempt from ATR | No |
| (redacted) | 44 (redacted) |  | 36239575 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] or [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-01-20): Sufficient Cure Provided At Closing |  | 01/20/2026 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Exempt from ATR | Yes |
| (redacted) | 44 (redacted) |  | 36239576 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide evidence that the CPA is duly licensed or certified. |  |  |  | Reviewer Comment (2026-01-27): CPA license verification received.<br>Buyer Comment (2026-01-23): CPA licensed | 01/27/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Exempt from ATR | No |
| (redacted) | 44 (redacted) |  | 36239578 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. |  |  |  |  |  | Reviewer Comment (2026-01-27): RATE/TERM REFINANCE allows Buying out a co-owner pursuant to an agreement as per guidelines.<br>Buyer Comment (2026-01-23): Per rate/term refinance guidelines, Buying out a co-owner pursuant to an agreement | 01/27/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Exempt from ATR | No |
| (redacted) | 44 (redacted) |  | 36239579 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-27): [redacted] lender exempt from ATR<br>Buyer Comment (2026-01-27): Please waive. |  |  | 01/27/2026 | 2 A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Exempt from ATR | No |
| (redacted) | 45 (redacted) |  | 36239583 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-26): [redacted] lender testing ATR.<br>Buyer Comment (2026-01-23): Please waive. |  |  | 01/26/2026 | 2 A |  | CA | Primary | Refinance - Cash-out - Other | A | Non QM | Exempt from ATR | No |
| (redacted) | 46 (redacted) |  | 36239588 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide evidence that the CPA is duly certified. |  |  |  | Reviewer Comment (2026-02-03): Evidence of CPA PTIN received.<br>Buyer Comment (2026-01-30): google search<br>Buyer Comment (2026-01-30): IRS PTIN search | 02/03/2026 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 46 (redacted) |  | 36239589 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-01-30): CDFI lender testing ATR. |  |  | 01/30/2026 | 2 A |  | PA | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 48 (redacted) |  | 36239600 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow fico of [redacted] vs program minimum fico [redacted] with DSCR [redacted] minimum to [redacted] LTV on cashout transaction.<br> Compensating Factor:<br> 1. DSCR greater than [redacted]<br> 2. Reserves minimum of [redacted]months or greater from borrower own funds | The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of [redacted] is greater than the minimum required DSCR of [redacted]. | SitusAMC,Originator Pre-Close | Reviewer Comment (2025-09-15): Waived with compensating factors per lender exception approval at origination. |  |  | 09/15/2025 | 2 B |  | MI | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 48 (redacted) |  | 36239601 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Fico discrepancy with lender exception in file. | The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of [redacted] is greater than the minimum required DSCR of [redacted]. | SitusAMC,Originator Pre-Close | Reviewer Comment (2025-09-15): Waived with compensating factors per lender exception approval at origination. |  |  | 09/15/2025 | 2 B |  | MI | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 49 (redacted) |  | 36239603 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | The Non-Owner Occupancy Declaration is incomplete as Section 4A is missing the principal residence address. |  |  |  | Reviewer Comment (2025-09-30): NOO Cert.<br>Buyer Comment (2025-09-26): Please find section [redacted]A completed on form. Thank you. | 09/30/2025 |  |  | 1 C A |  | VA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 52 (redacted) |  | 36239610 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | Verified Assets for Closing of [redacted] is less than Cash From Borrower [redacted]. | 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].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-21): Waived with compensating factors per lender request.<br>Buyer Comment (2025-11-20): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-11-20): Provided bank statement is post close (from [redacted] - [redacted]). Please provide bank statement till [redacted]. Exception remains.<br>Buyer Comment (2025-11-18): bank statement reflecting wire transfer for CTC |  |  | 11/21/2025 | 2 C B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 52 (redacted) |  | 36239611 |  | 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 ___. | Calculated PITIA months reserves of[redacted] is less than Guideline PITIA months reserves of [redacted]. | 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].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-21): Waived with compensating factors per lender exception approval received post-consummation.<br>Buyer Comment (2025-11-19): see attached exception |  |  | 11/21/2025 | 2 C B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 57 (redacted) |  | 36239616 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The [redacted] provided do not confirm ownership and percentages of ownership of the Corporation. Provide fully executed [redacted] with evidence of all owners and the ownership percentage for each owner. |  |  |  | Reviewer Comment (2025-11-11): Received fully executed Bylaws with evidence of all owners and the ownership percentage. Verified and updated details. Exception Cleared.<br>Buyer Comment (2025-11-07): Please see attached. Thank you. | 11/11/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 63 (redacted) |  | 36239624 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-11-18): Single Member entity with no operating agreement. Cleared with borr cert.<br>Buyer Comment (2025-11-14): Operating agreement was not required; Borrower cert provided. | 11/18/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 63 (redacted) |  | 36239625 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Citizenship Source Documentation was not provided |  | Missing verification of [redacted] citizen status. |  |  |  | Reviewer Comment (2026-01-06): Green card provided.<br>Buyer Comment (2026-01-06): back<br>Buyer Comment (2026-01-06): front | 01/06/2026 |  |  | 1 A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 63 (redacted) |  | 36239626 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of [redacted] Citizen Status not provided |  | Missing verification of [redacted] citizen status. |  |  |  | Reviewer Comment (2026-01-06): Green card provided.<br>Buyer Comment (2026-01-06): see attached docs | 01/06/2026 |  |  | 1 A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 64 (redacted) |  | 36239628 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of [redacted] Citizen Status not provided |  |  |  |  |  | Reviewer Comment (2025-11-18): [redacted]<br>Buyer Comment (2025-11-17): [redacted]<br>Buyer Comment (2025-11-17): [redacted] letter<br>Buyer Comment (2025-11-17): passport<br>Buyer Comment (2025-11-17): loe green card | 11/18/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 64 (redacted) |  | 36239630 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved at origination for cash payments made on mortgage for subject property. Comp factors [redacted] FICO, [redacted] months reserves. | 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. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-13): Waived with compensating factors per lender exception approval at origination. |  |  | 11/13/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 66 (redacted) |  | 36239634 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | All liens must be paid in full at or prior to closing. |  |  |  | Reviewer Comment (2025-11-20): All Lien amount of [redacted] & [redacted] is paid off as per document provided. Exception Cleared.<br>Buyer Comment (2025-11-18): [redacted] | 11/20/2025 |  |  | 1 B A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 66 (redacted) |  | 36239635 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  |  |  |  |  | Reviewer Comment (2025-11-20): All Liens is paid off as verified by document provided. All red flags on the fraud report addressed. Exception Cleared.<br>Buyer Comment (2025-11-18): see attached docs | 11/20/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 67 (redacted) |  | 36239637 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | HUD/CD Missing In this Loan File |  |  |  | Reviewer Comment (2025-11-21): Received Final Closing Statement. Exception Cleared.<br>Buyer Comment (2025-11-19): Please see final HUD-1 attached. Thank you. | 11/21/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 70 (redacted) |  | 36239642 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Please provide an updated blanket policy listing [redacted], ISAOA. |  |  |  | Reviewer Comment (2025-12-05): Received updated blanket policy listing [redacted], ISAOA. Exception cleared.<br>Buyer Comment (2025-12-03): [redacted]-Please see attached | 12/05/2025 |  |  | 1 C A |  | MT | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 74 (redacted) |  | 36239647 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Provided Closing Statement is estimated and not the final. |  |  |  | Reviewer Comment (2025-12-04): Closing Statement final received and verified. Exception cleared.<br>Buyer Comment (2025-12-02): Final SS | 12/04/2025 |  |  | 1 C A |  | NV | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 76 (redacted) |  | 36239654 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Provided Closing Statement is estimated. Please provide Executed Final HUD-1 or Closing Statement. |  |  |  | Reviewer Comment (2025-12-05): Received Final Closing Statement in the file. Exception Cleared.<br>Buyer Comment (2025-12-03): See HUD-1 attached. Thank you. | 12/05/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 77 (redacted) |  | 36239656 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | File is missing appraisal invoice. |  |  |  | Reviewer Comment (2025-12-08): Invoice.<br>Buyer Comment (2025-12-04): Appraisal invoice attached. | 12/08/2025 |  |  | 1 C A D |  | CA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| (redacted) | 77 (redacted) |  | 36239657 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing documentation verifying borrower ownership of the business "[redacted]" that made the [redacted] subject property payment. |  |  |  | Reviewer Comment (2025-12-16): Business documents reflecting prior owner of subject property is member of entity that made [redacted] mortgage payment received.<br>Reviewer Comment (2025-12-11): The operating agreement is required to verify the borrower's ownership. Exception remains.<br>Buyer Comment (2025-12-09): Articles of Incorporation and Statement of Information attached.<br>Reviewer Comment (2025-12-08): The business document does not verify ownership percentage.<br>Buyer Comment (2025-12-08): Please see Doc ID [redacted], [redacted], [redacted].<br>Buyer Comment (2025-12-08): The Bank Statement ([redacted] - [redacted]) provided for proof of subject property payment were under [redacted]' who is also listed as property owner. The Bank Statement ([redacted] - [redacted].) provided for the proof of subject property payment were under '[redacted].' and the business search supports that the business agent as [redacted]'.<br>Reviewer Comment (2025-12-08): Document provided does not confirm ownership.<br>Buyer Comment (2025-12-04): [redacted] Secretary of State business search results attached. | 12/16/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| (redacted) | 77 (redacted) |  | 36239658 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | File is missing photo identification for the borrower. |  |  |  | Reviewer Comment (2025-12-08): Drivers license.<br>Buyer Comment (2025-12-04): Borrower [redacted] DL attached. | 12/08/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| (redacted) | 79 (redacted) |  | 36239663 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  |  |  |  |  | Reviewer Comment (2025-12-08): HUD/CS<br>Buyer Comment (2025-12-04): final SS | 12/08/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 79 (redacted) |  | 36239664 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-12-05): Received Fraud Report in the file. Exception Cleared.<br>Buyer Comment (2025-12-03): fraud summary<br>Buyer Comment (2025-12-03): fraud | 12/05/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 79 (redacted) |  | 36239666 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2025-12-05): Received Fraud Report in the file. Exception Cleared.<br>Buyer Comment (2025-12-03): see attached fraud | 12/05/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 80 (redacted) |  | 36239668 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  |  |  | Reviewer Comment (2025-12-10): NOO Cert.<br>Buyer Comment (2025-12-08): Non-Owner | 12/10/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 82 (redacted) |  | 36239671 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-12-23): Received final title in trailing docs. | 12/23/2025 |  |  | 1 A |  | IL | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| (redacted) | 82 (redacted) |  | 36239672 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Title Commitment in file amount is [redacted] and the Loan amount is [redacted]. |  |  |  | Reviewer Comment (2025-12-23): Received final title in trailing docs.<br>Buyer Comment (2025-12-23): Final Title | 12/23/2025 |  |  | 1 B A |  | IL | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| (redacted) | 85 (redacted) |  | 36239676 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | There is no assets provided in the file |  |  |  | Reviewer Comment (2025-12-24): Received bank statement for the account#[redacted] .Exception cleared.<br>Buyer Comment (2025-12-22): [redacted]<br>Reviewer Comment (2025-12-17): Appraisal paid invoice added under asset. Please provide additional funds to meet the requirement. Exception remains.<br>Buyer Comment (2025-12-15): [redacted] appraisal invoice paid by CC; working on getting additional funds. | 12/24/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 87 (redacted) |  | 36239682 |  | Credit | Property - Appraisal | Property Eligibility - Subject and Improvements | Property - Appraisal | Guideline Issue: Property type not allowed per credit guidelines |  | LENDER EXCEPTION request due to subject being [redacted] acres vs program maximum of [redacted] acres. Compensating Factors: [redacted] greater than [redacted], LTV is [redacted] or more under max allowed, Reserves minimum of [redacted] months or greater from borrower own funds. | 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]%. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Loan to Value: [redacted]%<br> Guideline Maximum Loan to Value: [redacted]% | SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-15): Waived with compensating factors per lender exception approval at origination. |  |  | 01/15/2026 | 2 B |  | NJ | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 87 (redacted) |  | 36239683 |  | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding ADUs. |  | LENDER EXCEPTION provided to allow subject with [redacted] ADUs vs program maximum of [redacted] ADU. Compensating Factors: [redacted] greater than [redacted], LTV is [redacted] or more under max allowed, Reserves minimum of [redacted] months or greater from borrower own funds. | 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]%. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Loan to Value: [redacted]%<br> Guideline Maximum Loan to Value: [redacted]% | SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-15): Waived with compensating factors per lender exception approval at origination. |  |  | 01/15/2026 | 2 B |  | NJ | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 90 (redacted) |  | 36239690 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide a rental pay history for the primary residence. |  |  |  | Reviewer Comment (2025-12-26): Received 1008 document reflects underwriter discretion. LOX for rent free is available in file. Verified and updated details. Exception Cleared.<br>Buyer Comment (2025-12-23): [redacted] - Please see DOC ID#[redacted] as it states Borrower is currently living rent free. UW discretionary atta | 12/26/2025 |  |  | 1 C A D |  | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| (redacted) | 90 (redacted) |  | 36239691 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Provide OFAC for the borrowing Trust. |  |  |  | Reviewer Comment (2025-12-26): Received OFAC document for the borrowing Trust. Verified and updated details. Exception Cleared.<br>Buyer Comment (2025-12-23): [redacted] - Please see attached | 12/26/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| (redacted) | 91 (redacted) |  | 36239692 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Dwelling is insufficient to cover the loan amount. Required Replacement Cost Estimator or updated Hazard Policy. |  |  |  | Reviewer Comment (2025-12-31): Received replacement cost estimator. Exception Cleared.<br>Buyer Comment (2025-12-29): [redacted] - Please see attached | 12/31/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 96 (redacted) |  | 36239698 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for the residential expenses budget [redacted] reflected reserves of [redacted] %, which fell short of the [redacted] % requirement. No balance sheet available. Compensating factors are DSCR Ratio > [redacted] % , LTV -[redacted] %< Matrix Tier ([redacted] % Max/[redacted] % preferred), [redacted] and Condotels master budget has [redacted] % in reserves. | 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]%. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-29): Client elects to regrade and waive based on the following comps:<br> Borrower DCSR percentage s greater than [redacted] requirement.<br> Borrower LTV [redacted]% less than [redacted]% required. |  |  | 12/29/2025 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 97 (redacted) |  | 36239700 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | UW Income Asset Utilization Document is Missing. |  |  |  | Reviewer Comment (2026-01-07): Received UW Income Asset Utilization Document. Exception Cleared.<br>Buyer Comment (2026-01-05): [redacted] calc | 01/07/2026 |  |  | 1 C A D |  | NY | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 97 (redacted) |  | 36239701 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject [redacted]) discrepancy. |  | Calculated [redacted] is less than guideline minimum of [redacted] . It appears lender may have used asset depletion; however, asset depletion worksheet was not provided for review. |  |  |  | Reviewer Comment (2026-01-07): Received UW Income Asset Utilization Document. Exception Cleared.<br>Buyer Comment (2026-01-05): see attached [redacted] calc | 01/07/2026 |  |  | 1 C A |  | NY | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 100 (redacted) |  | 36239709 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject. |  |  |  | Reviewer Comment (2026-01-07): Received Certificate of Non-Owner Occupancy. Exception cleared.<br>Buyer Comment (2026-01-05): [redacted] - Please see attached | 01/07/2026 |  |  | 1 C A |  | AL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 105 (redacted) |  | 36239715 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  |  |  | Reviewer Comment (2026-01-06): [redacted] is a single member [redacted] , EIN not required in the file. Exception Cleared.<br>Buyer Comment (2026-01-02): [redacted] is a single member [redacted] , making it a pass through entity and flows to his personal tax returns and is acceptable with state and federal law | 01/06/2026 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 106 (redacted) |  | 36239716 |  | 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 representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC | Reviewer Comment (2026-01-23): Lender Approved Exception post closing with FICO over [redacted] points of required minimum score.<br>Buyer Comment (2026-01-21): Please see exception attached. Thank you.<br>Reviewer Comment (2026-01-14): Require [redacted] months of rent receipt or first month's rent plus security deposit, if using a higher actual lease amount. Exception Remains.<br>Buyer Comment (2026-01-12): See rent check paid by tenant to Borrower.<br>Buyer Comment (2026-01-12): See documents attached for lease rental of subject. Thank you.<br>Buyer Comment (2026-01-12): [redacted] PLEASE advise exactly how you are calc the [redacted] ratio PLEASE. We show the [redacted] @ [redacted] . Rent check & lease attached.<br>Reviewer Comment (2026-01-08): Max LTV is [redacted] % for [redacted] on purchase transaction. Exception remains<br>Buyer Comment (2026-01-06): Please see matrix attached - ltv ok with a [redacted] fico on a R/T refi [redacted] . Thank you. |  |  | 01/23/2026 | 2 C B |  | NY | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 109 (redacted) |  | 36239720 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  |  |  |  |  | Reviewer Comment (2026-01-09): Rider - PUD not required. Exception Cleared.<br>Buyer Comment (2026-01-07): Pud Rider is not required for [redacted] loan [redacted] | 01/09/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 109 (redacted) |  | 36239721 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of ownership percentages for both [redacted] |  |  |  | Reviewer Comment (2026-01-12): Ownership confirmed with provided documents.<br>Reviewer Comment (2026-01-09): Provided operating agreement does not confirm ownership percentage. Exception remains.<br>Buyer Comment (2026-01-07): [redacted] Enterprises<br>Buyer Comment (2026-01-07): [redacted] | 01/12/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 112 (redacted) |  | 36239725 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Valuation address does not match Note address. | 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. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-31): Waived with compensating factors per client direction. |  |  | 12/31/2025 | 2 C B |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 112 (redacted) |  | 36239726 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Insurance address does not match Note address. | 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. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-31): Waived with compensating factors per client direction. |  |  | 12/31/2025 | 2 C B |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 113 (redacted) |  | 36239728 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2026-01-05): Condo Warranty form received. Exception Cleared.<br>Buyer Comment (2025-12-31): Condo Warranty Form attached. | 01/05/2026 |  |  | 1 C A |  | UT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 114 (redacted) |  | 36239730 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing final closing statement, estimate provided. |  |  |  | Reviewer Comment (2026-01-12): Received final stamped closing statement document. Verified and updated details .Exception Cleared.<br>Buyer Comment (2026-01-08): Final SS | 01/12/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 114 (redacted) |  | 36239731 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total [redacted] discrepancy. | HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___. |  |  |  |  | Reviewer Comment (2026-01-12): Loan was approved under delayed financing program.<br>Reviewer Comment (2026-01-12): Cancelled in error.<br>Reviewer Comment (2026-01-12): Loan is delayed financing and meets guidelines. Required documents provided with original documents.<br>Buyer Comment (2026-01-08): Delayed Financing product. | 01/12/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 117 (redacted) |  | 36239734 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2026-01-13): Received Title Final with the updated coverage amount in the file. Exception Cleared. | 01/13/2026 |  |  | 1 A |  | CA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| (redacted) | 117 (redacted) |  | 36239735 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Title Policy Coverage is less than Original Loan Amount. |  |  |  | Reviewer Comment (2026-01-13): Received Title Final with the updated coverage amount in the file. Exception Cleared.<br>Buyer Comment (2026-01-09): [redacted] - Please see attached | 01/13/2026 |  |  | 1 B A |  | CA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| (redacted) | 117 (redacted) |  | 36239736 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimated Provided |  |  |  | Reviewer Comment (2026-01-13): Received Final and stamped closing statement in the file. Exception Cleared.<br>Buyer Comment (2026-01-09): [redacted] - Please see attached | 01/13/2026 |  |  | 1 D A |  | CA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| (redacted) | 118 (redacted) |  | 36239737 |  | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within [redacted] days of the Note Date. |  |  |  |  |  | Reviewer Comment (2026-01-23): Received updated policy. Exception cleared.<br>Buyer Comment (2026-01-21): Please see HOI policy attached. | 01/23/2026 |  |  | 1 B A |  | NY | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| (redacted) | 122 (redacted) |  | 36239742 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Additional [redacted] month consecutive bank statement is missing.. |  |  |  | Reviewer Comment (2026-01-14): [redacted] month statement is sufficient as per guideline requirement. Exception Cleared.<br>Buyer Comment (2026-01-12): program only requires [redacted] day statement | 01/14/2026 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 122 (redacted) |  | 36239743 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  |  |  |  |  | Reviewer Comment (2026-01-14): The Certificate of Non-Owner Occupied received showing the borrower(s) at different address than the subject. Exception Cleared.<br>Buyer Comment (2026-01-12): Non-owner | 01/14/2026 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 123 (redacted) |  | 36239745 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  |  |  |  |  | Reviewer Comment (2026-01-14): NOO Cert.<br>Buyer Comment (2026-01-12): Please see attached. Thank you. | 01/14/2026 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 125 (redacted) |  | 36239748 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Trust Agreement not provided |  | Provided trust agreement for [redacted] and [redacted] is incomplete, as a few pages are missing. | 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. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2026-02-03): Lender approved exception post close with compensating factors.<br>Buyer Comment (2026-01-30): Please see exception attached. Thank you. |  |  | 02/03/2026 | 2 C B |  | UT | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 127 (redacted) |  | 36239751 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2026-01-15): Received Title Commitment. Exception Cleared.<br>Buyer Comment (2026-01-13): Title | 01/15/2026 |  |  | 1 B A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 127 (redacted) |  | 36239753 |  | Credit | Credit | Credit Eligibility | Credit | Refi Purpose reflects Rate/Term and [redacted] is greater than the lesser of [redacted] % of the loan amount or $[redacted] . |  |  |  |  |  | Reviewer Comment (2026-01-14): Per guidelines, up to lessor of [redacted] % of loan amount or $[redacted] cash out allowed on rate/term refinance. Cash out does not exceed this amount.<br>Buyer Comment (2026-01-13): Per guidelines, [redacted] back in an amount not to exceed the lesser of [redacted] % of the new loan amount or $[redacted] can be included in the transaction | 01/14/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 127 (redacted) |  | 36239754 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception for foreclosure less than [redacted] months | 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. | Loan to Value: [redacted]%<br> Guideline Maximum Loan to Value: [redacted]%<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-15): Waived with compensating factors per lender exception approval at origination. |  |  | 01/15/2026 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 129 (redacted) |  | 36239757 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover [redacted] From Borrower. |  | Required assets for closing is missing in the file to cover cash from borrower. No proof of ROTH IRA account found in file. |  |  |  | Reviewer Comment (2026-01-14): Received Bank Statement. Exception Cleared.<br>Buyer Comment (2026-01-12): IRA | 01/14/2026 |  |  | 1 C A |  | GA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 133 (redacted) |  | 36239762 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide the final Closing Statement fully executed by the borrower or stamped true and certified. Copy provided is an estimate. |  |  |  | Reviewer Comment (2026-01-15): Received Final closing statement. Exception cleared.<br>Buyer Comment (2026-01-13): Final SS | 01/15/2026 |  |  | 1 D A |  | CA | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 139 (redacted) |  | 36239768 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  |  |  | Reviewer Comment (2026-01-23): The Certificate of Non-Owner Occupied received showing the borrower(s) at different address than the subject. Exception Cleared.<br>Buyer Comment (2026-01-21): Non-Owner | 01/23/2026 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 141 (redacted) |  | 36239772 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide the final Closing Statement fully executed by the borrower or stamped true and certified. Copy provided is an estimated closing statement. |  |  |  | Reviewer Comment (2026-01-16): Provided final closing statement. Exception cleared.<br>Buyer Comment (2026-01-14): Please see final HUD-1 attached. Thank you. | 01/16/2026 |  |  | 1 D A |  | CA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| (redacted) | 143 (redacted) |  | 36239774 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2026-01-15): Received Final title report with no existing lien. Exception cleared. | 01/15/2026 |  |  | 1 A |  | TX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| (redacted) | 143 (redacted) |  | 36239775 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide [redacted] month pay history for the subject property. VOM in file does not confirm the subject property address. |  |  |  | Reviewer Comment (2026-01-15): The subject property was part of multi properties loan and verification of mortgage, Note and Closing statement are provided for the same. Exception cleared.<br>Buyer Comment (2026-01-13): Note, Final SS shows the lien encumbers multiple properties | 01/15/2026 |  |  | 1 C A D |  | TX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| (redacted) | 143 (redacted) |  | 36239776 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Loan is included in a blanket mortgage. Provide verification the lien against the subject property is paid in full and/or verify the property is fully released from the blanket lien. |  |  |  | Reviewer Comment (2026-01-15): Received Final title report with no existing lien. Exception cleared.<br>Buyer Comment (2026-01-13): revised final<br>Buyer Comment (2026-01-13): final title | 01/15/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| (redacted) | 144 (redacted) |  | 36239778 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing verification of [redacted] primary rent payment. |  |  |  | Reviewer Comment (2026-01-16): Leases and bank statements verifying the rents paid.<br>Reviewer Comment (2026-01-15): Unable to verify the full [redacted] payment.<br>Buyer Comment (2026-01-13): [redacted] payments - [redacted] shows [redacted] pymts prev rent on [redacted] and prorated amount for [redacted] present rent on [redacted] | 01/16/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 145 (redacted) |  | 36239780 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  |  |  |  | Reviewer Comment (2026-01-16): Received Closing Protection Letter. Exception Cleared.<br>Buyer Comment (2026-01-14): CPL | 01/16/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 150 (redacted) |  | 36239786 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW discretion required for borrower living rent free with someone other than a spouse. |  |  |  | Reviewer Comment (2026-01-16): Received 1008. Exception Cleared.<br>Buyer Comment (2026-01-14): UW discretion | 01/16/2026 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 151 (redacted) |  | 36239788 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing final closing statement, estimated provided. |  |  |  | Reviewer Comment (2026-01-16): Received Closing Statement. Exception Cleared.<br>Buyer Comment (2026-01-14): Please find HUD-1 attached. Thank you. | 01/16/2026 |  |  | 1 C A |  | CO | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 152 (redacted) |  | 36239789 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2026-02-09): Received Title Final. Exception Cleared. | 02/09/2026 |  |  | 1 A |  | TX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| (redacted) | 152 (redacted) |  | 36239790 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Loan is included in a blanket mortgage. Provide verification the lien against the subject property is paid in full and/or verify the property is fully released from the blanket lien. |  |  |  | Reviewer Comment (2026-02-09): Received Title Final. Exception Cleared.<br>Buyer Comment (2026-02-05): Final Title<br>Reviewer Comment (2026-02-03): Received final Title does not reflect the subject property address. Exception Remains.<br>Buyer Comment (2026-01-30): Final title<br>Reviewer Comment (2026-01-21): Proof that the lien against the subject property has been paid in full is required. Exception remains.<br>Buyer Comment (2026-01-16): Payoff is reflected on Final Settlement Statement. No additional documentation is required | 02/09/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| (redacted) | 152 (redacted) |  | 36239791 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide [redacted] month pay history for the subject property. VOM in file does not confirm the subject property address. |  |  |  | Reviewer Comment (2026-01-30): As per verification of mortgage, it was combined loan for multiple properties and the same is verified from closing statement and Note. [redacted] months pay history for the subject property verified. Exception Cleared.<br>Buyer Comment (2026-01-28): all properties included on VOM see note | 01/30/2026 |  |  | 1 C A D |  | TX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| (redacted) | 153 (redacted) |  | 36239793 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  |  |  |  | Reviewer Comment (2026-01-14): Received Closing Protection Letter. Exception Cleared.<br>Buyer Comment (2026-01-12): Closing Protection Letter. | 01/14/2026 |  |  | 1 C A |  | WA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 155 (redacted) |  | 36239796 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide UW discretion for borrower residing rent free with other than a spouse. |  |  |  | Reviewer Comment (2026-01-16): UW discretion.<br>Buyer Comment (2026-01-14): uw discretion | 01/16/2026 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 157 (redacted) |  | 36239799 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide OFAC for the borrowing entity. |  |  |  | Reviewer Comment (2026-01-21): Received Fraud Report with borrowing entity name listed in OFAC search list. Exception Cleared.<br>Buyer Comment (2026-01-16): fraud | 01/21/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 160 (redacted) |  | 36239803 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property was listed at time of application. Provide a letter of explanation from the borrower for the listing. |  |  |  | Reviewer Comment (2026-01-21): Received Letter of Explanation from borrower for the listing. Exception Cleared.<br>Buyer Comment (2026-01-16): loe | 01/21/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 162 (redacted) |  | 36239806 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. | Borrower has owned the subject property for at least [redacted] years.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Borrower has owned the subject property for at least [redacted] years.<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-22): Client accepts and request to waive with compensating factors.<br>Buyer Comment (2026-01-20): EV2- Lender accepts. Please waive with available compensating factors. |  |  | 01/22/2026 | 2 A B |  | PA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 165 (redacted) |  | 36239810 |  | 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 ___. | Approved Lender Exception. Exception: Request for max LTV to [redacted] . Compensating Factors: 1) [redacted] year PPP required 2) DSCR Ratio > [redacted] required for LTV of [redacted]) [redacted] Yrs Investor Experience 4) [redacted] months Addt'l Reserves and [redacted] Borrower provided [redacted]) CDFI | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | Originator,SitusAMC | Reviewer Comment (2026-01-12): Waived with compensating factors per lender exception approval at origination. |  |  | 01/12/2026 | 2 B |  | AZ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 165 (redacted) |  | 36239811 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW discretion is required for borrower a living rent free with someone other than a spouse. |  |  |  | Reviewer Comment (2026-01-21): Received UW discretion comment in 1008 for the borrower living rent fee. Exception Cleared.<br>Buyer Comment (2026-01-16): Please find UW 1008 attached w/rent free comments. Thank you | 01/21/2026 |  |  | 1 C A |  | AZ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 165 (redacted) |  | 36239812 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Address on the document does not match the address on the Note. Note reflects Avenue and document reflects Drive. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | Originator,SitusAMC | Reviewer Comment (2026-02-03): Lender approved exception POST CLOSE with compensating factors.<br>Buyer Comment (2026-01-30): Please see exception attached. Thank you. |  |  | 02/03/2026 | 2 C B |  | AZ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 165 (redacted) |  | 36239813 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Address on the document does not match the address on the Note. Note reflects Avenue and document reflects Drive. |  |  |  | Reviewer Comment (2026-01-30): Received corrected flood certificate in the file. Exception Cleared.<br>Buyer Comment (2026-01-28): Please see flood cert with XXXX. Thank you. | 01/30/2026 |  |  | 1 C A |  | AZ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 165 (redacted) |  | 36239815 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Address on the appraisal does not match the address on the Note. Note reflects Avenue and document reflects Drive. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | Originator,SitusAMC | Reviewer Comment (2026-02-03): Lender approved exception POST CLOSE with compensating factors.<br>Buyer Comment (2026-01-30): See exception attached. Thank you.<br>Reviewer Comment (2026-01-30): Address on all loan documents must match the Note.<br>Buyer Comment (2026-01-28): Please see attached comments from appraiser full report. Thank you. |  |  | 02/03/2026 | 2 C B |  | AZ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 165 (redacted) |  | 36239816 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Address on the [redacted] does not match the address on the Note. Note reflects [redacted] and document reflects Drive. |  |  |  | Reviewer Comment (2026-01-30): Received 1004D corrected in the file. Exception Cleared.<br>Buyer Comment (2026-01-28): See 1004D corrected. Thank you. | 01/30/2026 |  |  | 1 C A |  | AZ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 165 (redacted) |  | 36239818 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The address on the UCDP does not match the address on the NOTE. UCDP was used in lieu of secondary valuation. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | Originator,SitusAMC | Reviewer Comment (2026-02-06): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2026-02-04): Please find exception attached. Thank you. |  |  | 02/06/2026 | 2 B |  | AZ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 170 (redacted) |  | 36239824 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | File is short required cash to close. |  |  |  | Reviewer Comment (2026-01-21): Gift funds and Invoice for appraisal fee is sufficient to meet the cash from borrower requirement. Exception Cleared.<br>Buyer Comment (2026-01-16): appraisal invoice paid by CC<br>Buyer Comment (2026-01-16): [redacted]<br>Buyer Comment (2026-01-16): [redacted] gift letter<br>Buyer Comment (2026-01-16): [redacted] EMD receipt | 01/21/2026 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 172 (redacted) |  | 36239827 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | HUD/CD missing in Loan File. |  |  |  | Reviewer Comment (2026-01-22): Received Final Closing Statement in the file. Exception Cleared.<br>Buyer Comment (2026-01-20): Final HUD-1 | 01/22/2026 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 173 (redacted) |  | 36239830 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is living rent free with someone other than a spouse. This does not meet the guidelines. File is missing underwriter discretion documentation allowing guideline exception. |  |  |  | Reviewer Comment (2026-01-23): Received 1008. Exception Cleared.<br>Buyer Comment (2026-01-21): UW discretion | 01/23/2026 |  |  | 1 C A |  | LA | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 179 (redacted) |  | 36239838 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement is missing from the loan file. |  |  |  | Reviewer Comment (2026-01-22): Borrowing Certificate is provided with initial package and EIN reflects borrower as sole member. Exception Cleared.<br>Buyer Comment (2026-01-20): Please see EIN attached confirming NO operating agreement required as Borrower is the sole member & there is no Operating agreement for[redacted] | 01/22/2026 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 185 (redacted) |  | 36239844 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2026-01-22): Received CDA. Exception cleared.<br>Buyer Comment (2026-01-20): Clear CDA attached. | 01/22/2026 |  |  | 1 D A |  | CA | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| (redacted) | 185 (redacted) |  | 36239846 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | All judgements are required to be paid off. |  |  |  | Reviewer Comment (2026-01-30): Received supplemental report showing item no[redacted] eliminated. Exception cleared.<br>Buyer Comment (2026-01-29): See title supplement attached. Thank you.<br>Buyer Comment (2026-01-29): Title supplements attached.<br>Buyer Comment (2026-01-28): See statute of limitations guidelines attached. Thank you.<br>Buyer Comment (2026-01-28): See attached. | 01/30/2026 |  |  | 1 B A |  | CA | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| (redacted) | 185 (redacted) |  | 36239847 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing final closing statement. |  |  |  | Reviewer Comment (2026-01-22): Received final closing statement. Exception cleared.<br>Buyer Comment (2026-01-20): Final HUD-1 attached. Thank you. | 01/22/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| (redacted) | 185 (redacted) |  | 36239848 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | Certificate of Non-Owner Occupied disclosure does not show the borrower's principle address. |  |  |  | Reviewer Comment (2026-01-22): Received Certificate of Non-Owner Occupied disclosure showing the borrower at an address different than the subject. Exception cleared.<br>Buyer Comment (2026-01-20): See attached form section 4A completed. Thank you. | 01/22/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| (redacted) | 185 (redacted) |  | 36239849 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | Title reflects [redacted] judgment for [redacted] and [redacted] tax liens in the amounts of [redacted] and [redacted] . These are required to be paid at or prior to closing. Final title is required to be free and clear of any liens or judgments. |  |  |  | Reviewer Comment (2026-01-30): Received supplemental report showing item no [redacted]eliminated. Exception cleared.<br>Buyer Comment (2026-01-29): Please see title supplement attached. Thank you.<br>Buyer Comment (2026-01-29): See title supplements attached.<br>Reviewer Comment (2026-01-22): Received supplemental report showing item no [redacted] eliminated. Received abstract of judgment for line item [redacted] in the amount [redacted] . Provide satisfaction of release. Exception remains.<br>Buyer Comment (2026-01-20): Title items clear. See attached.<br>Buyer Comment (2026-01-20): Judgement paid. See attached. Thank you. | 01/30/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| (redacted) | 186 (redacted) |  | 36239851 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Loan is non arms length transaction. Lender exception in file approving the pay history from seller with [redacted] late payments in past [redacted] months. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC | Reviewer Comment (2026-01-13): Waived with compensating factors per lender exception approval at origination. |  |  | 01/13/2026 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 188 (redacted) |  | 36239858 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW discretion is required for borrower living rent free with non spouse. |  |  |  | Reviewer Comment (2026-01-23): Received UW discretion for borrower living rent free. Exception cleared.<br>Buyer Comment (2026-01-21): UW discretion | 01/23/2026 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 190 (redacted) |  | 36239861 |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | Cash-Out Utilization not provided. |  |  |  | Reviewer Comment (2026-01-28): Received Cash Out Utilization. Exception Cleared.<br>Buyer Comment (2026-01-26): cash out loe | 01/28/2026 |  |  | 1 C A |  | ID | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 192 (redacted) |  | 36239864 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | Certificate of Non-Owner Occupied disclosure does not show the borrower's principle address. |  |  |  | Reviewer Comment (2026-01-23): Received Non-Owner-Occupied disclosure, which is showing the borrower's principal address. Exception Cleared.<br>Buyer Comment (2026-01-21): Non-Owner | 01/23/2026 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 193 (redacted) |  | 36239865 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing Final HUD/CD in the Loan file. |  |  |  | Reviewer Comment (2026-01-23): Received closing Statement. Exception Cleared.<br>Buyer Comment (2026-01-21): Please see attached final HUD-1. Thank you. | 01/23/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 193 (redacted) |  | 36239867 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW discretion is required for borrower living rent free with non spouse. |  |  |  | Reviewer Comment (2026-01-23): Received [redacted]with underwriter comment. Exception Cleared.<br>Buyer Comment (2026-01-21): Please find UW [redacted]with rent free commentary attached. | 01/23/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 196 (redacted) |  | 36239873 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide verification that the [redacted] payment was paid for the subject proeprty. |  |  |  | Reviewer Comment (2026-01-23): Received Mortgage statement for the [redacted] months. Exception Cleared.<br>Buyer Comment (2026-01-21): Nov payment | 01/23/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 200 (redacted) |  | 36239879 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Proivde a signed Operating Agreement for the borrowing entity. Copy provided is not for the borrowing entity. |  |  |  | Reviewer Comment (2026-01-26): Document received and verified. Exception cleared.<br>Buyer Comment (2026-01-22): Certificate of Membership<br>Buyer Comment (2026-01-22): member agreement | 01/26/2026 |  |  | 1 C A |  | WI | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 201 (redacted) |  | 36239881 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  |  |  |  |  | Reviewer Comment (2026-01-26): Updated document received with address and verified. Exception cleared.<br>Buyer Comment (2026-01-22): See section [redacted]completed. Thank you. | 01/26/2026 |  |  | 1 C A |  | AZ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 204 (redacted) |  | 36239884 |  | 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 Approved at origination with compensating factor of minimum reserves of [redacted]months of greater than required. FICO [redacted]+ over minimum requirement and DSC over [redacted]% to allow loan amount of $[redacted]vs program minimum loan amount of $[redacted]. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2026-01-20): Lender Exception Approved at origination with compensating factor of minimum reserves of [redacted]months of greater than required. FICO [redacted]+ over minimum requirement and DSC over [redacted]% to allow loan amount of $[redacted]vs program minimum loan amount of $[redacted]. |  |  | 01/20/2026 | 2 B |  | FL | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| (redacted) | 208 (redacted) |  | 36239889 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing verification of [redacted] [redacted]primary housing payment. |  |  |  | Reviewer Comment (2026-01-29): Received account statement showing December [redacted]payment. Exception cleared.<br>Buyer Comment (2026-01-27): [redacted]payment [redacted] | 01/29/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 209 (redacted) |  | 36239891 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing verification of [redacted] & [redacted] [redacted] primary housing payments. | 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]. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Debt Service Coverage Ratio: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2026-02-04): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2026-02-02): Please see exception attached. Thank you.<br>Reviewer Comment (2026-01-28): Statement for the month of [redacted] is already available on file for primary residence, and the provided credit supplement shows the mortgage history for other REO and not the primary residence. Please provide verification of primary housing history for [redacted] and [redacted]month. Exception remains.<br>Buyer Comment (2026-01-26): Please see attached credit supplement & mtg statement confirming [redacted] primary mtg payment was made with [redacted]. Thank you. |  |  | 02/04/2026 | 2 C B |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 210 (redacted) |  | 36239892 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | Final Title policy is missing in loan file |  |  |  | Reviewer Comment (2026-01-30): Title Final Policy received and policy amount verified. Exception Cleared. | 01/30/2026 |  |  | 1 A |  | IL | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 210 (redacted) |  | 36239893 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Final title to confirm all [redacted]liens listed on the per-liminary title are paid and released and do not impact final title. |  |  |  | Reviewer Comment (2026-01-30): As per Final Title policy all [redacted]liens listed on the per-liminary title are paid and released and the same is verified. Exception Cleared.<br>Buyer Comment (2026-01-28): final Title | 01/30/2026 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 212 (redacted) |  | 36239896 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided |  | Bylaws document is missing to verify the ownership % of borrower. |  |  |  | Reviewer Comment (2026-01-30): Received Bylaws in the file. Exception Cleared.<br>Buyer Comment (2026-01-28): Please see By-Laws attached. Thank you. | 01/30/2026 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 212 (redacted) |  | 36239897 |  | Credit | Credit | Credit Documentation | Credit | [redacted] was not provided and is required. |  | Missing OFAC for the business entity. |  |  |  | Reviewer Comment (2026-01-30): Received [redacted]for the business entity. Exception Cleared.<br>Buyer Comment (2026-01-28): Please find clear [redacted]for Inc. attached. Thank you. | 01/30/2026 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 213 (redacted) |  | 36239899 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower [redacted]lives rent free with the spouse. Provide a rent-free letter from the spouse. |  |  |  | Reviewer Comment (2026-01-30): Property profile received reflecting both borrowers as borrowers on current mortgage.<br>Reviewer Comment (2026-01-30): Only [redacted]person is listed on the mortgage statement. Borrower [redacted]is not listed as a borrower.<br>Reviewer Comment (2026-01-30): Provided property history report shows ownership in the name of Trust. Credit report reflects mortgage for borrower [redacted]. Require rent free letter to verify primary housing history for coborrower. Exception remains<br>Buyer Comment (2026-01-28): Borrower and Co-Borrower own property | 01/30/2026 |  |  | 1 C A |  | NV | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 213 (redacted) |  | 36239900 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a final HUD/CS signed by all parties or stamped true and certified. |  |  |  | Reviewer Comment (2026-01-30): Received certified copy of closing statement. Exception cleared.<br>Buyer Comment (2026-01-28): final SS | 01/30/2026 |  |  | 1 C A |  | NV | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 214 (redacted) |  | 36239902 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing borrower current verification of Mortgage. |  |  |  | Reviewer Comment (2026-01-28): Received Property history Report. Borrower current property is free and clear. Exception Cleared.<br>Buyer Comment (2026-01-26): owned free and clear | 01/28/2026 |  |  | 1 C A D |  | FL | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| (redacted) | 214 (redacted) |  | 36239903 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Provide documentation evidencing full signing authority for the Guarantor. Operating Agreement verifies [redacted]owners of the LLC. |  |  |  | Reviewer Comment (2026-01-28): Received Corporate Resolution. Exception Cleared.<br>Buyer Comment (2026-01-26): signing authority | 01/28/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| (redacted) | 215 (redacted) |  | 36239905 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Only Alerts Summary Section Provided, Provide Full Fraud Report. |  |  |  | Reviewer Comment (2026-01-29): Received Fraud Report. Exception Cleared.<br>Buyer Comment (2026-01-27): fraud report | 01/29/2026 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 215 (redacted) |  | 36239906 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Only Alerts Summary Section Provided, Provide Full Fraud Report. |  |  |  | Reviewer Comment (2026-01-29): Received Fraud Report. Exception Cleared.<br>Buyer Comment (2026-01-27): see attached fraud | 01/29/2026 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 216 (redacted) |  | 36239908 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  |  |  |  |  | Reviewer Comment (2026-01-30): Received Certificate of Non-Owner Occupied showing borrower at a different address. Exception cleared.<br>Buyer Comment (2026-01-28): See section [redacted] completed with Borrowers primary home address. Thank you. | 01/30/2026 |  |  | 1 C A |  | VA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 216 (redacted) |  | 36239909 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2026-02-10): Evidence of access to additional business funds provided in trailing documents. Condition cleared.<br>Buyer Comment (2026-02-10): Please find attached from "open corps" reflecting Borrower as the ONLY owner/agent of "[redacted]." Thank you.<br>Reviewer Comment (2026-02-09): Received Articles of Organization for "[redacted]" does not reflect ownership percentage of the borrower. Exception Remains.<br>Buyer Comment (2026-02-05): Please find ownership information for "[redacted]" attached. Thank you.<br>Buyer Comment (2026-02-05): Please see "[redacted] acct #[redacted] statement attached. Thank you.<br>Buyer Comment (2026-02-05): Please see loe attached. Thank you.<br>Reviewer Comment (2026-01-30): Yes, POCB $[redacted] is added to the funds from borrower. Cash from borrower is $[redacted]. Exception remains.<br>Buyer Comment (2026-01-29): Please see the question below & assist. Thanks so much.<br> [redacted] is showing funds to close required of $[redacted]- are they adding the $[redacted]POCB to the funds from borrower per final settlement statement of $[redacted]?<br> Thank you. | 02/10/2026 |  |  | 1 C A |  | VA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 219 (redacted) |  | 36239913 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide UW discretion for borrower living rent free with non spouse. |  |  |  | Reviewer Comment (2026-01-28): Received [redacted]with underwriter comment. Exception Cleared.<br>Buyer Comment (2026-01-26): UW discretion | 01/28/2026 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 220 (redacted) |  | 36239915 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Collections and charge offs are more than guideline requirement of $[redacted]. |  |  |  | Reviewer Comment (2026-02-02): Collection and Charge-offs meets statute of limitation. Exception Cleared.<br>Buyer Comment (2026-01-29): Credit report is dated [redacted]. This is [redacted]years and [redacted]months. This meets statute of limitations.<br>Reviewer Comment (2026-01-29): Credit supplemental reflects dated of activity [redacted] which is not under [redacted]years as per limitations period Sec [redacted].. Exception Remains.<br>Buyer Comment (2026-01-27): statue of limitations<br>Buyer Comment (2026-01-27): statute of Limitation loe | 02/02/2026 |  |  | 1 B A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 220 (redacted) |  | 36239916 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower lives rent free with the spouse. A letter from spouse and evidence of spouse's mortgage. |  |  |  | Reviewer Comment (2026-01-29): Received LOX. Exception Cleared.<br>Buyer Comment (2026-01-27): Paramount residential is reported on the credit report.<br>Buyer Comment (2026-01-27): loe rent free | 01/29/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 221 (redacted) |  | 36239917 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Missing Operating Agreement in the Loan file. |  |  |  | Reviewer Comment (2026-01-30): Received Operating Agreement. Exception Cleared.<br>Buyer Comment (2026-01-28): Please find operating agreement attached. Thank you. | 01/30/2026 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 221 (redacted) |  | 36239918 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Missing Corporate Resolution in the Loan file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | Originator,SitusAMC | Reviewer Comment (2026-02-03): Lender approved exception with compensator factor. POST CLOSE<br>Buyer Comment (2026-01-30): Please find exception attached. Thank you. |  |  | 02/03/2026 | 2 C B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 221 (redacted) |  | 36239919 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Missing certificate of Good Standing in the Loan file. |  |  |  | Reviewer Comment (2026-01-30): Received Certificate of Good Standing. Exception Cleared.<br>Buyer Comment (2026-01-28): Please accept in place of cert of good standing. Thank you. | 01/30/2026 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 221 (redacted) |  | 36239920 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Missing Articles of Organization/Formation is missing in the Loan file. |  |  |  | Reviewer Comment (2026-01-30): Received Articles of Organization. Exception Cleared.<br>Buyer Comment (2026-01-28): Please find Articles of Org attached. | 01/30/2026 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 222 (redacted) |  | 36239922 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing UW discretion approval as borrower was living rent free with someone other than a spouse. |  |  |  | Reviewer Comment (2026-01-30): Received UW discretion for borrower living rent free. Exception cleared.<br>Buyer Comment (2026-01-28): See UW final 1008 with rent free comments. Thank you. | 01/30/2026 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 223 (redacted) |  | 36239925 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number ([redacted]) not provided |  | Employer Identification Number ([redacted]) is not provided in the file |  |  |  | Reviewer Comment (2026-01-30): Employer Identification Number is not required for Trust. Exception cleared.<br>Buyer Comment (2026-01-28): Per guidelines, [redacted]is not required for Trust | 01/30/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 223 (redacted) |  | 36239926 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide [redacted]for the borrowing entity/trust. |  |  |  | Reviewer Comment (2026-01-30): Provided OFAC search result of the borrowing business entity. Exception cleared.<br>Buyer Comment (2026-01-28): ofac search | 01/30/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 227 (redacted) |  | 36280333 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW discretion is required for approving the borrower living rent free with non spouse. |  |  |  | Reviewer Comment (2025-12-17): Provided 1008 with underwriter discretion for borrower living rent free. Exception cleared.<br>Buyer Comment (2025-12-15): UW discretion | 12/17/2025 |  |  | 1 C A |  | CT | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 232 (redacted) |  | 36280339 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2026-01-12): Certificate of Good Standing document received - Exception Cleared.<br>Buyer Comment (2026-01-08): See attached | 01/12/2026 |  |  | 1 C A |  | NE | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 232 (redacted) |  | 36280340 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Provide OFAC for the borrowing entity. |  |  |  | Reviewer Comment (2026-01-22): OFAC for the borrowing entity received and verified the details. Exception Cleared.<br>Buyer Comment (2026-01-20): See attached<br>Reviewer Comment (2026-01-14): Provided OFAC search document is not dated and reflects an incorrect borrower entity name. Exception Remains<br>Buyer Comment (2026-01-12): see attached | 01/22/2026 |  |  | 1 C A |  | NE | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 232 (redacted) |  | 36280341 |  | 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 addressed. |  |  |  | Reviewer Comment (2026-01-27): Provided fraud report with all alerts as cleared. Exception cleared.<br>Buyer Comment (2026-01-23): Please see attached<br>Reviewer Comment (2026-01-22): Received updated fraud report, however uncleared red flags are still on report. Exception remains.<br>Buyer Comment (2026-01-20): See attached<br>Reviewer Comment (2026-01-14): Require fraud report reflecting all alert statuses as cleared. Exception remains.<br>Buyer Comment (2026-01-12): see attached | 01/27/2026 |  |  | 1 C A |  | NE | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 235 (redacted) |  | 36280346 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | Primary address is not provided on Certificate. |  |  |  | Reviewer Comment (2026-01-28): Received Occupancy certificate. Exception Cleared.<br>Buyer Comment (2026-01-26): Non-Owner | 01/28/2026 |  |  | 1 C A |  | CA | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 235 (redacted) |  | 36280347 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Missing final closing statement, estimate provided. |  |  |  | Reviewer Comment (2026-01-28): Received Closing statement. Exception Cleared.<br>Buyer Comment (2026-01-26): Final SS | 01/28/2026 |  |  | 1 D A |  | CA | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 236 (redacted) |  | 36280349 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final closing statement not provided. Copy in file is an estimate. |  |  |  | Reviewer Comment (2026-01-30): Executed Final Closing Statement received and verified the details. Exception Cleared.<br>Buyer Comment (2026-01-28): See HUD-1 attached. | 01/30/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 236 (redacted) |  | 36280350 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Rent-free letter was in the file, however, UW Discretion is required for borrower living rent-free with someone other than spouse. |  |  |  | Reviewer Comment (2026-01-30): Updated 1008 received with underwriter discretion for Borrower is living rent free along with rent free letter. Exception Cleared.<br>Buyer Comment (2026-01-28): Please see UW 1008 with rent free comments. | 01/30/2026 |  |  | 1 C A D |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 236 (redacted) |  | 36280351 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | On a refinance, the market rent for the accessory unit should be documented on [redacted] Form 1007. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC | Reviewer Comment (2026-02-06): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2026-02-04): Please see attached exception. Thank you.<br>Reviewer Comment (2026-02-02): The market rent for the accessory unit should be documented on [redacted]Form 1007 and the file must include a copy of the current lease agreement with [redacted] months' proof of current receipt. Exception remains.<br>Buyer Comment (2026-01-29): [redacted] please note:<br> There is no indication in file that any rent was used to qualify other than for the main house that includes an [redacted]. Fair Market Rent of $[redacted]is the [redacted]for subject. There does not appear to be a requirement or need for a separate calculation of rent for the [redacted]and there is no commentary that it is rented or that there are tenants residing there. Thank you so much. |  |  | 02/06/2026 | 2 C B |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 237 (redacted) |  | 36280353 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Provide OFAC for the borrowing entity. |  |  |  | Reviewer Comment (2026-01-28): Received OFAC for the borrowing entity. Exception Cleared.<br>Buyer Comment (2026-01-26): [redacted] OFAC search attached. | 01/28/2026 |  |  | 1 C A |  | NC | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 238 (redacted) |  | 36280355 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of the [redacted] and UW discretion for borrower living rent free with other than a spouse. |  |  |  | Reviewer Comment (2026-01-30): Updated 1008 with UW discretion received.<br>Buyer Comment (2026-01-29): See uw comments on 1008<br>Reviewer Comment (2026-01-28): Received evidence of the [redacted] in file, however UW discretion is missing. Exception Remains.<br>Buyer Comment (2026-01-26): See attached lock confirmation | 01/30/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 239 (redacted) |  | 36280357 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Tax liens are required to be paid prior to or at closing. |  |  |  | Reviewer Comment (2026-01-30): Receive bank statement linked to bank printout for tax lien paid prior to closing. Exception Cleared.<br>Buyer Comment (2026-01-28): Bank statement to link bank printout.<br>Buyer Comment (2026-01-28): State tax payment | 01/30/2026 |  |  | 1 B A |  | NV | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| (redacted) | 240 (redacted) |  | 36280359 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing LOE for rent free living. |  |  |  | Reviewer Comment (2026-02-03): Letter of explanation provided for living rent free. Exception Cleared.<br>Buyer Comment (2026-01-30): rent free loe | 02/03/2026 |  |  | 1 C A D |  | NY | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 240 (redacted) |  | 36280360 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. |  |  |  |  |  | Reviewer Comment (2026-02-03): Borrower is not first time home buyer as borrower had an ownership interest in another property in the last three years as per final 1003. Also, borrower is eligible for first time investor as per matrix. Exception Cleared.<br>Buyer Comment (2026-01-30): Borrower meets first time investor guidelines per matrix. First time homebuyers are eligible. | 02/03/2026 |  |  | 1 C A |  | NY | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 244 (redacted) |  | 36280365 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Tax liens are required to be paid at or prior to closing. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[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 representative FICO score exceeds the guideline minimum by at least [redacted] points. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-27): Evidence tax lien released received in trailing docs.<br>Reviewer Comment (2026-02-13): Lender approved exception POST CLOSE with compensating factors<br>Buyer Comment (2026-02-11): Please see exception attached. Thank you.<br>Reviewer Comment (2026-02-04): There are [redacted] liens reflecting on fraud report. One reflects paid/satisfied. The [redacted] lien reflects different filing number and date, and no evidence in file this has been paid/released. If Lender is accepting as one in the same lien, a request to waive can be made.<br>Buyer Comment (2026-02-03): Please see attached proof of lien being released. Thank you.<br>Buyer Comment (2026-02-03): See attached confirmation lien released. Thank you. | 03/27/2026 |  |  | 1 B A |  | FL | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 244 (redacted) |  | 36280366 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Provide a current Certificate of Good Standing for [redacted]. |  |  |  | Reviewer Comment (2026-02-24): [redacted] provided for XXXX [redacted].<br>Buyer Comment (2026-02-20): Please see attached sent previously that reflect currently active & the date of incorporation. Thank you.<br>Reviewer Comment (2026-02-12): Received document ([redacted]) does not reflect business status and document ([redacted]) does not reflect incorporation date. Exception remains.<br>Buyer Comment (2026-02-10): Please see attached. Thank you.<br>Buyer Comment (2026-02-10): Please see attached<br>Buyer Comment (2026-02-10): Please see dated document attached. Thank you.<br>Reviewer Comment (2026-02-05): Provided business license is missing incorporation date and business status. Exception remains<br>Buyer Comment (2026-02-03): Please accept in place of the Cert of Good Standing. Thank you. | 02/24/2026 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 244 (redacted) |  | 36280367 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Full Fraud Report with red flags addressed is missing from the file. |  |  |  | Reviewer Comment (2026-02-05): Received fraud report showing red flags have been cleared. Exception cleared.<br>Buyer Comment (2026-02-03): Please see final clear Fraud Report. Thank you. | 02/05/2026 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 244 (redacted) |  | 36280368 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2026-02-05): Received fraud report showing red flags have been cleared. Exception cleared.<br>Buyer Comment (2026-02-03): Please see clear Fraud Report attached. Thank you. | 02/05/2026 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 245 (redacted) |  | 36280369 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide a [redacted] month rent history for the primary residence. |  |  |  | Reviewer Comment (2026-02-12): Received revised 1003 showing borrower live rent free. Received [redacted] and UW discretion for borrower living rent free. Exception cleared. Exception cleared.<br>Buyer Comment (2026-02-10): revised final<br>Buyer Comment (2026-02-10): UW discretion<br>Buyer Comment (2026-02-10): lock<br>Reviewer Comment (2026-02-05): Received LOX however 1003 application reflects borrower lives on rent. Require updated 1003 application. Exception Remains. If borrower lives rent free, provide evidence of the LLPA and UW Discretion along with the corrected 1003.<br>Buyer Comment (2026-02-03): rent free loe | 02/12/2026 |  |  | 1 C A D |  | NY | Investment | Purchase | D B A |  | N/A | No |
| (redacted) | 245 (redacted) |  | 36280370 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property is zoned Agricultural which is an ineligible property per the guidelines. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC | Reviewer Comment (2026-02-05): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2026-02-03): exception |  |  | 02/05/2026 | 2 C B |  | NY | Investment | Purchase | D B A |  | N/A | No |
| (redacted) | 246 (redacted) |  | 36280372 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide final HUD 1 signed by all parties or stamped true and certified. |  |  |  | Reviewer Comment (2026-02-10): Provided final closing statement. Exception cleared.<br>Buyer Comment (2026-02-06): Please see attached HUD-1. Thank you. | 02/10/2026 |  |  | 1 D A |  | IL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| (redacted) | 247 (redacted) |  | 36280374 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide final HUD. Copy provided is an estimate. |  |  |  | Reviewer Comment (2026-02-05): Received certified copy of closing statement. Exception cleared.<br>Buyer Comment (2026-02-03): final SS | 02/05/2026 |  |  | 1 D A |  | CA | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 249 (redacted) |  | 36280377 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of UW discretion for borrower living rent free with other than a spouse. |  |  |  | Reviewer Comment (2026-02-06): Provided 1008 with underwriter discretion for occupancy. Exception cleared.<br>Buyer Comment (2026-02-04): UW 1008 with rent free comments. Thank you. | 02/06/2026 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 251 (redacted) |  | 36280379 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of UW discretion for borrower living rent free with other than a spouse. |  |  |  | Reviewer Comment (2026-02-06): Received 1008 with underwriter comment. Exception Cleared.<br>Buyer Comment (2026-02-04): UW discretion | 02/06/2026 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 252 (redacted) |  | 36280381 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Articles of Incorporation reflect that the company consists of [redacted] stock shares and the [redacted] reflects the Guarantor owns [redacted]of the [redacted]stock shares. Provide evidence of all owners percent of ownership. |  |  |  | Reviewer Comment (2026-02-06): Received corporate resolution reflecting guarantor owns [redacted]stock shares. Exception cleared.<br>Buyer Comment (2026-02-04): [redacted] shares | 02/06/2026 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 252 (redacted) |  | 36280382 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | All judgments are required to be paid at or prior to closing. Medical judgments are reviewed on a case by case basis. Provide evidence the judgment was paid or provide the reason the UW is not requiring it to be paid. |  |  |  | Reviewer Comment (2026-02-06): Received explanation letter stating that judgment does not belong to the borrower. County record search provided with no judgment. Exception cleared.<br>Buyer Comment (2026-02-04): judgement<br>Buyer Comment (2026-02-04): loe judgement | 02/06/2026 |  |  | 1 B A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 253 (redacted) |  | 36280384 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | On a refinance, the 1007 should reflect the market rent for both the main unit and the ADU. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Originator,SitusAMC | Reviewer Comment (2026-02-24): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2026-02-20): exception<br>Reviewer Comment (2026-02-09): Per guidelines, the market rent for the ADU should be documented on Form 1007. If this was not obtained, an exception request can be made; however, we would be unable to clear based on guideline requirements.<br>Buyer Comment (2026-02-05): The appraiser merged both units as one and done as a single family. The market rent on the 1007 is for both units. |  |  | 02/24/2026 | 2 C B |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 256 (redacted) |  | 36280388 |  | Credit | Credit | Credit Eligibility | Credit | Borrower has open Tradelines which are less than the minimum required by guidelines. | - Open Tradelines: ___ | Lender exception in file for borrower not meeting minimum tradeline requirement. Compensating factors: LTV and DSCR. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Loan to Value: [redacted]%<br> Guideline Maximum Loan to Value: [redacted]%<br>The DSCR of [redacted]is greater than the minimum required DSCR of [redacted]. | Originator Pre-Close,SitusAMC<br>SitusAMC,Originator Pre-Close | Reviewer Comment (2026-02-09): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2026-02-05): exception |  |  | 02/09/2026 | 2 C B |  | CA | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 256 (redacted) |  | 36280389 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: Appraisal Invoice not provided |  |  |  |  |  | Reviewer Comment (2026-02-12): Received Appraisal Invoice in the file. Exception Cleared.<br>Buyer Comment (2026-02-10): 1007<br>Buyer Comment (2026-02-10): appraisal invoice | 02/12/2026 |  |  | 1 C A |  | CA | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 257 (redacted) |  | 36280391 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | File is missing verification of [redacted] mortgage payment for subject property. |  |  |  | Reviewer Comment (2026-02-11): Received [redacted] month pay history for subject property. Exception cleared.<br>Buyer Comment (2026-02-09): [redacted] payment | 02/11/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 257 (redacted) |  | 36280392 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing final signed and dated HUD-1/Settlement Statement. |  |  |  | Reviewer Comment (2026-02-11): Received final Settlement Statement in the file. Exception Cleared.<br>Buyer Comment (2026-02-09): Final SS | 02/11/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 257 (redacted) |  | 36280393 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Provide OFAC for the borrowing Trust. |  |  |  | Reviewer Comment (2026-02-11): OFAC received for borrowing trust in the file. Exception Cleared.<br>Buyer Comment (2026-02-09): Ofac | 02/11/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 261 (redacted) |  | 36280398 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is currently living rent free with someone other than a spouse. This does not meet guidelines. File is missing underwriter discretion documentation allowing rent free exception. |  |  |  | Reviewer Comment (2026-02-10): Received UW discretion for borrower living rent free. Exception cleared.<br>Buyer Comment (2026-02-06): Please see 1008 attached with rent free commentary. Thank you. | 02/10/2026 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 262 (redacted) |  | 36280400 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Missing full Fraud Report. Additional conditions may apply. |  |  |  | Reviewer Comment (2026-02-10): Provided fraud report. Exception cleared.<br>Buyer Comment (2026-02-06): Initial & final Fraud Guards attached. | 02/10/2026 |  |  | 1 C A |  | CT | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 262 (redacted) |  | 36280401 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Missing full Fraud Report. Additional conditions may apply. |  |  |  | Reviewer Comment (2026-02-10): Provided fraud report. Exception cleared. | 02/10/2026 |  |  | 1 C A |  | CT | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 263 (redacted) |  | 36280402 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  |  |  |  |  | Reviewer Comment (2026-02-10): The Certificate of Non-Owner Occupied provided showing borrower at an different address. Exception cleared.<br>Buyer Comment (2026-02-06): Please see document attached | 02/10/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 264 (redacted) |  | 36280405 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimated Provided |  |  |  | Reviewer Comment (2026-02-10): Provided final closing statement. Exception cleared.<br>Buyer Comment (2026-02-06): Please find stamped final HUD-1 attached. Thank you. | 02/10/2026 |  |  | 1 D A |  | AZ | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 265 (redacted) |  | 36280407 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing verification of [redacted]and [redacted]primary housing payments. |  |  |  | Reviewer Comment (2026-02-12): Mortgage statement reflects [redacted] payment. Loan closed [redacted]. Lender accepting [redacted]per guidelines for missing evidence of [redacted] payment.<br>Reviewer Comment (2026-02-11): Mortgage statement reflect payment made on [redacted]. Require verification of primary housing payments for [redacted]. Exception Remains.<br>Buyer Comment (2026-02-09): Per mtg statement [redacted] next payment was due [redacted]. Program permits [redacted] late payment with no reduction. | 02/12/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 266 (redacted) |  | 36280409 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | File is missing a signed Beneficial Ownership Interest Form. | 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. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2026-02-19): Lender approved exception post close with compensating factors.<br>Buyer Comment (2026-02-17): exception<br>Reviewer Comment (2026-02-12): Received LOX however require assignment of membership interest form or Beneficial Ownership Interest Form. Exception Remains.<br>Buyer Comment (2026-02-10): Multi member |  |  | 02/19/2026 | 2 C B D |  | DE | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 266 (redacted) |  | 36280410 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing credit documents and signed Guarantee Agreement for the beneficial owner. | 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. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2026-02-19): Lender approved exception Post Close with compensating factors.<br>Buyer Comment (2026-02-17): see attached exception<br>Reviewer Comment (2026-02-12): Received LOX however require assignment of membership interest form or Beneficial Ownership Interest Form. Exception Remains.<br>Buyer Comment (2026-02-10): see attached docs |  |  | 02/19/2026 | 2 C B |  | DE | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 267 (redacted) |  | 36280412 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Provide verification that the collection in the amount of $[redacted] was paid prior to closing. |  |  |  | Reviewer Comment (2026-02-12): Received Collection paid off confirmation for less that face amount. Exception Cleared.<br>Buyer Comment (2026-02-10): See attached confirmation debt paid for less than face amount. | 02/12/2026 |  |  | 1 B A |  | IL | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 267 (redacted) |  | 36280413 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide a [redacted] month pay history for the primary residence. |  |  |  | Reviewer Comment (2026-02-12): Received LLPA and UW discretion for borrower living rent free with other than a spouse. Exception Cleared.<br>Buyer Comment (2026-02-10): Rate lock showing rent free adj. Thank you.<br>Buyer Comment (2026-02-10): Please see 1008 with rent free comments from the underwriter. Thank you. | 02/12/2026 |  |  | 1 C A D |  | IL | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 267 (redacted) |  | 36280414 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide a dated HUD/Closing Statement. Copy provided has no dates listed. |  |  |  | Reviewer Comment (2026-02-12): Received dated Final Closing Statement in the file. Exception Cleared.<br>Buyer Comment (2026-02-10): See dated HUD-1 attached. Thank you. | 02/12/2026 |  |  | 1 D A |  | IL | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 268 (redacted) |  | 36280416 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide verification that the $[redacted]rent payment is from tenant and is full payment for the month. |  |  |  | Reviewer Comment (2026-03-02): Letter of explanation and proof e-sign verification.<br>Buyer Comment (2026-02-26): certificate<br>Buyer Comment (2026-02-26): loe | 03/02/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 269 (redacted) |  | 36280418 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is an estimated closing statement. |  |  |  | Reviewer Comment (2026-02-10): Provided final closing statement. Exception cleared.<br>Buyer Comment (2026-02-06): Please see attached pages [redacted] of the final executed HUD-1. Thank you. | 02/10/2026 |  |  | 1 D A |  | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| (redacted) | 270 (redacted) |  | 36280420 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Provided Closing Statement is estimated. Please provide Executed Final HUD-1 or Closing Statement. |  |  |  | Reviewer Comment (2026-02-13): Received final closing statement. Exception cleared.<br>Buyer Comment (2026-02-11): See final HUD-1 attached. | 02/13/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 271 (redacted) |  | 36280422 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing the signature page of the Non-Owner Occupancy Declaration. |  |  |  | Reviewer Comment (2026-02-11): Received Non-Owner Occupancy Declaration with signature page. Exception cleared.<br>Buyer Comment (2026-02-09): Non-Owner | 02/11/2026 |  |  | 1 C A |  | UT | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 273 (redacted) |  | 36280424 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage of $[redacted] is not sufficient to cover the lessor of the loan amount or estimated cost new. RCE or evidence of increased coverage required for review of this condition. | 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. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-02-13): Waived with compensating factors per client request. They are accepting the rebuild cost without debris removal as sufficient coverage.<br>Reviewer Comment (2026-02-11): Received Replacement cost estimator however still reflect coverage shortfall of $[redacted]. Exception Remains.<br>Buyer Comment (2026-02-09): RCE for subject property. |  |  | 02/13/2026 | 2 C B |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 274 (redacted) |  | 36280427 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | File is short funds to closing. Verified business assets allowed to be used are the guarantor's percent of ownership of the business. |  |  |  | Reviewer Comment (2026-02-13): Received signed access letter to use funds. Exception cleared.<br>Buyer Comment (2026-02-11): account access signed | 02/13/2026 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 274 (redacted) |  | 36280428 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing verification of [redacted] mortgage payment for the primary residence. |  |  |  | Reviewer Comment (2026-02-12): Per lender, unable to provide proof [redacted] payment. Guidelines allow [redacted].<br>Reviewer Comment (2026-02-12): Verification of the [redacted] mortgage payment is required to clear the condition, as guidelines require confirmation of the most recent [redacted] months' housing history for the primary residence. Exception Remains.<br>Buyer Comment (2026-02-10): Program permits [redacted]; we do not have Nov Payment ; [redacted]mtg statement was dated [redacted] and does not report any late fees. | 02/12/2026 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 275 (redacted) |  | 36280430 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is required for all parties involved in the transaction - business entity is missing. |  |  |  | Reviewer Comment (2026-02-12): Received clear OFAC search for business entity. Exception cleared.<br>Buyer Comment (2026-02-10): Please see clear ofac attached. Thank you. | 02/12/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 277 (redacted) |  | 36280432 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | UW Discretion for borrower living rent free is required. |  |  |  | Reviewer Comment (2026-02-12): Provided underwriter discretion for primary occupancy of the borrower. Exception cleared.<br>Buyer Comment (2026-02-10): See UW's 1008 with rent free comments. Thank you. | 02/12/2026 |  |  | 1 C A D |  | FL | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 283 (redacted) |  | 36280439 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Missing page [redacted] of the Guarantor Agreement. |  |  |  | Reviewer Comment (2026-02-11): Received Guarantor Agreement. Exception Cleared.<br>Buyer Comment (2026-02-09): guaranty | 02/11/2026 |  |  | 1 D A |  | FL | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 288 (redacted) |  | 36280445 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - Condo not provided |  | Subject property is Condo and Condo Rider is not provided. |  |  |  | Reviewer Comment (2026-02-11): Condo rider is not required. Exception Cleared.<br>Buyer Comment (2026-02-09): Condo Rider is not required on [redacted] loan | 02/11/2026 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 288 (redacted) |  | 36280446 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing final signed and dated HUD-1/Settlement Statement. |  |  |  | Reviewer Comment (2026-02-23): Received Closing statement. Exception Cleared.<br>Buyer Comment (2026-02-19): Final SS<br>Reviewer Comment (2026-02-13): The provided closing statement is not executed by borrower. Please provide fully executed by all parties or stamped true and certified. Exception Remains.<br>Buyer Comment (2026-02-11): Final | 02/23/2026 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 288 (redacted) |  | 36280448 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | 1003 reflects borrower is a US citizen however borrower's Permanent Resident alien card is in file. |  |  |  | Reviewer Comment (2026-02-13): Received final 1003 reflect borrower as Permanent Resident alien. Exception Cleared.<br>Buyer Comment (2026-02-12): Final 1003 | 02/13/2026 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 288 (redacted) |  | 36280449 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is currently living rent free. File is missing signed letter of explanation with whom he lives with and underwriter discretion documentation. |  |  |  | Reviewer Comment (2026-02-11): Received LOX with 1008 UW discretion. Exception Cleared.<br>Buyer Comment (2026-02-09): UW discretion<br>Buyer Comment (2026-02-09): loe rent | 02/11/2026 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 289 (redacted) |  | 36280451 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a pay history for the primary residence or provide property history report verifying it is owned free and clear with taxes paid current. |  |  |  | Reviewer Comment (2026-02-11): Credit and Fraud report.<br>Buyer Comment (2026-02-09): [redacted] reports the [redacted] current mtg and previous mtg [redacted] for [redacted]month history | 02/11/2026 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 292 (redacted) |  | 36280457 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Appraisal invoice in file for $[redacted]does not match HUD-1 appraisal amount of $[redacted]. |  |  |  | Reviewer Comment (2026-03-06): Received signed and corrected HUD with appraisal amount of $[redacted]. Exception cleared.<br>Buyer Comment (2026-03-04): Please see corrected HUD-1 attached. Thank you.<br>Reviewer Comment (2026-02-27): Provided HUD reflects appraisal amount $[redacted]and Appraisal invoice in file for $[redacted]. Require HUD executed by all parties or stamped true and certified with correct appraisal amount. Exception Remains.<br>Buyer Comment (2026-02-25): Please see HUD-1 attached executed by all parties. Thank you.<br>Reviewer Comment (2026-02-24): Provided HUD-1 is not fully executed by all parties. E-sign does not show that HUD is executed by all parties. Exception remains.<br>Buyer Comment (2026-02-20): Please see attached E-Signature reflecting all parties fully executed HUD-1. Thank you.<br>Buyer Comment (2026-02-20): Please see HUD-1 attached reflecting the appraisal fee of $[redacted]. Thank you. | 03/06/2026 |  |  | 1 C A D |  | VA | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 295 (redacted) |  | 36280461 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimated Provided |  |  |  | Reviewer Comment (2026-02-12): Received Final Closing Statement in the file. Exception Cleared.<br>Buyer Comment (2026-02-10): Please see final HUD-1 attached. Thank you. | 02/12/2026 |  |  | 1 D A |  | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| (redacted) | 296 (redacted) |  | 36280463 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of UW discretion for borrower living rent free with other than a spouse. |  |  |  | Reviewer Comment (2026-02-13): Received 1008 with underwriter's comment. Exception Cleared.<br>Buyer Comment (2026-02-11): UW discretion | 02/13/2026 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 298 (redacted) |  | 36280467 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2026-02-12): Provided Articles of Organization of the borrowing business entity. Exception cleared.<br>Buyer Comment (2026-02-10): Cert of formation attached. Thank you. | 02/12/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 299 (redacted) |  | 36280469 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | File is missing appraisal invoice for $[redacted] as reflected as a POC on file HUD. Invoice in file reflects $[redacted]. |  |  |  | Reviewer Comment (2026-03-09): Received HUD with correct POC. Exception Cleared.<br>Buyer Comment (2026-03-05): final SS<br>Reviewer Comment (2026-02-24): Received HUD however Provide final HUD fully executed by all parties or stamped true and certified. Copy provided is not signed by all parties. Exception Remains.<br>Buyer Comment (2026-02-20): Summary<br>Buyer Comment (2026-02-20): updated POC | 03/09/2026 |  |  | 1 C A D |  | VA | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 299 (redacted) |  | 36280470 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is required for all parties involved in the transaction - Business entity is missing. |  |  |  | Reviewer Comment (2026-02-16): Received OFAC for business entity. Exception Cleared.<br>Buyer Comment (2026-02-12): ofac | 02/16/2026 |  |  | 1 C A |  | VA | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 300 (redacted) |  | 36280472 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of spouse's mortgage for the primary residence. Required due to borrower living rent free. |  |  |  | Reviewer Comment (2026-02-12): Received 1098 reflecting borrower is not on the loan. Exception Cleared.<br>Buyer Comment (2026-02-10): Please see none borrowing spouse's 1098 from [redacted] - Borrower not in statement or loan. Thank you. | 02/12/2026 |  |  | 1 C A |  | UT | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 301 (redacted) |  | 36280474 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimated Provided |  |  |  | Reviewer Comment (2026-02-12): Received Final Closing Statement in the file. Exception Cleared.<br>Buyer Comment (2026-02-10): Final HUD-1 attached. Thank you. | 02/12/2026 |  |  | 1 D A |  | AZ | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| (redacted) | 301 (redacted) |  | 36280475 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of UW discretion for borrower living rent free with other than a spouse. |  |  |  | Reviewer Comment (2026-02-12): Received UW discretion in the file for borrower living rent free with someone. Exception Cleared.<br>Buyer Comment (2026-02-10): Please see UW's rent-free comments on 1008 attached. Thank you. | 02/12/2026 |  |  | 1 C A |  | AZ | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| (redacted) | 303 (redacted) |  | 36280478 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Employer Identification Number (EIN) is missing in the file |  |  |  | Reviewer Comment (2026-02-12): Received Employer Identification Number. Exception cleared.<br>Buyer Comment (2026-02-10): Ein | 02/12/2026 |  |  | 1 C A |  | NE | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 304 (redacted) |  | 36280481 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing UW discretion for borrower living rent free. |  |  |  | Reviewer Comment (2026-02-16): Received UW discretion for borrower living rent free. Exception cleared.<br>Buyer Comment (2026-02-12): uw discretion | 02/16/2026 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 305 (redacted) |  | 36280483 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. The Appraisal is dated more than [redacted] months prior to the note date. |  | Note Date is [redacted] and Effective Appraisal Date is [redacted] |  |  |  | Reviewer Comment (2026-02-17): Provided appraisal report with effective date of [redacted]. Exception cleared.<br>Buyer Comment (2026-02-13): appraisal | 02/17/2026 |  |  | 1 D A |  | TX | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| (redacted) | 305 (redacted) |  | 36280484 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [redacted] |  | [redacted] due to Note Date is [redacted] and Effective Appraisal Date is [redacted] |  |  |  | Reviewer Comment (2026-02-17): Provided appraisal report with effective date of [redacted]. Exception cleared.<br>Buyer Comment (2026-02-13): see attached appraisal | 02/17/2026 |  |  | 1 D A |  | TX | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| (redacted) | 305 (redacted) |  | 36280485 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide a [redacted] month pay history for the lien secured by the subject property. |  |  |  | Reviewer Comment (2026-02-12): Received Credit Supplemental open mortgage account for the subject property. Exception Cleared.<br>Buyer Comment (2026-02-10): credit supplement | 02/12/2026 |  |  | 1 C A D |  | TX | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| (redacted) | 306 (redacted) |  | 36280487 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Employment Authorization/Resident Alien Card/Passport/VISA missing in the loan file. |  |  |  | Reviewer Comment (2026-02-26): Received permanent resident card. Exception cleared.<br>Buyer Comment (2026-02-24): green card | 02/26/2026 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 307 (redacted) |  | 36280489 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Purchase Agreement / Sales Contract Agreement is not provided |  |  |  | Reviewer Comment (2026-02-13): Received purchase contract. Exception cleared.<br>Buyer Comment (2026-02-11): purchase contract | 02/13/2026 |  |  | 1 D A |  | FL | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 307 (redacted) |  | 36280490 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is not signed by all parties. |  |  |  | Reviewer Comment (2026-02-13): Received executed closing statement signed by all parties. Exception cleared.<br>Buyer Comment (2026-02-11): Final SS | 02/13/2026 |  |  | 1 D A |  | FL | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 310 (redacted) |  | 36280494 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing final closing statement. |  |  |  | Reviewer Comment (2026-02-13): Executed Final Closing Statement received and verified the details. Exception Cleared.<br>Buyer Comment (2026-02-11): Please pages [redacted] of final HUD-1 attached. Thank you. | 02/13/2026 |  |  | 1 C A |  | AZ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 312 (redacted) |  | 36280496 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is required for all parties involved in the transaction - business entity is missing. |  |  |  | Reviewer Comment (2026-02-13): Received OFAC search for the business entity. Exception cleared.<br>Buyer Comment (2026-02-11): Ofac search | 02/13/2026 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 316 (redacted) |  | 36280502 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is an estimated closing statement. |  |  |  | Reviewer Comment (2026-02-17): Received Final Closing Statement. Exception cleared.<br>Buyer Comment (2026-02-13): Final SS | 02/17/2026 |  |  | 1 D A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| (redacted) | 316 (redacted) |  | 36280503 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: Appraisal Invoice not provided |  |  |  |  |  | Reviewer Comment (2026-02-17): Received Appraisal Invoice. Exception cleared.<br>Buyer Comment (2026-02-13): invoice | 02/17/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| (redacted) | 316 (redacted) |  | 36280504 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  |  |  |  |  | Reviewer Comment (2026-02-17): Received fraud alert summary with cleared status. Exception cleared.<br>Buyer Comment (2026-02-13): fraud summary | 02/17/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| (redacted) | 318 (redacted) |  | 36280506 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ |  |  |  |  | Reviewer Comment (2026-03-09): Final title. | 03/09/2026 |  |  | 1 A |  | CT | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 318 (redacted) |  | 36280507 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title commitment/loan payoff in the file indicates a blanket mortgage covers the subject property. Provide evidence loan was paid in full or that the subject property was fully released from the lien. |  |  |  | Reviewer Comment (2026-03-09): Final title.<br>Buyer Comment (2026-03-09): [redacted]uploaded.<br>Reviewer Comment (2026-03-05): Yes, if the final title policy shows the blanket policy removed and no other liens, we could review it and possibly clear the condition.<br>Buyer Comment (2026-03-04): [redacted], PLEASE advise if the final title policy with [redacted] mtg removed is sufficient. Thank you.<br>Reviewer Comment (2026-03-02): Wire amount is much less than the loan amount listed on title. Unable to determine if subject property was released. Provide evidence the property was fully released from the blanket lien.<br>Buyer Comment (2026-02-26): Please see wire payoff confirmation. Thank you. | 03/09/2026 |  |  | 1 C A |  | CT | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 318 (redacted) |  | 36280508 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Provide Articles of Organization that provides the name of the [redacted] . Copy provided does not verify the name of the [redacted]. |  |  |  | Reviewer Comment (2026-02-16): Received Articles of Organization. Exception Cleared.<br>Buyer Comment (2026-02-12): Please see the attached. Thank you. | 02/16/2026 |  |  | 1 C A |  | CT | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 319 (redacted) |  | 36280510 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Provide verification that the child support lien is paid. |  |  |  | Reviewer Comment (2026-02-17): Waived per lender direction.<br>Buyer Comment (2026-02-13): exception |  |  | 02/17/2026 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 319 (redacted) |  | 36280511 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW Discretion is required for living rent free with non spouse. |  |  |  | Reviewer Comment (2026-02-17): Provided 1008 form with underwriter discretion for occupancy. Exception cleared.<br>Buyer Comment (2026-02-13): UW discretion | 02/17/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 321 (redacted) |  | 36280513 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2026-03-06): Received Title Final in the file. Exception Cleared. | 03/06/2026 |  |  | 1 A |  | NC | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 321 (redacted) |  | 36280514 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title commitment/loan payoff in the file indicates a blanket mortgage covers the subject property. Provide evidence loan was paid in full or that the subject property was fully released from the lien. |  |  |  | Reviewer Comment (2026-03-06): Received Title final in the file with the removal of subject property lien. Exception Cleared.<br>Buyer Comment (2026-03-04): Final title | 03/06/2026 |  |  | 1 C A |  | NC | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 322 (redacted) |  | 36280518 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  | Reviewer Comment (2026-02-17): Received [redacted]% replacement cost email in the file. Exception Cleared.<br>Buyer Comment (2026-02-13): per email [redacted]% replacement cost | 02/17/2026 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 324 (redacted) |  | 36280521 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | UW Discretion is missing for borrower living rent free. |  |  |  | Reviewer Comment (2026-02-17): Received 1008 with UW Discretion. Exception Cleared.<br>Buyer Comment (2026-02-13): uw discretion | 02/17/2026 |  |  | 1 C A D |  | WA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 324 (redacted) |  | 36280522 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Provide evidence of paid off for the collection account with balance of $[redacted]. | 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. | Loan to Value: [redacted]%<br> Guideline Maximum Loan to Value: [redacted]%<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-02-17): Waived with compensating factors per lender approved exception post-consummation.<br>Reviewer Comment (2026-02-17): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Credit Report: Original // Public Record Type: Collections / Balance: [redacted]<br>Buyer Comment (2026-02-13): exception |  |  | 02/17/2026 | 2 B |  | WA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 324 (redacted) |  | 36280524 |  | Credit | Credit | Credit Documentation | Credit | Addresses on credit report casts doubt on business purpose of loan. |  | The address on the credit report is the same as subject property. Borrower recently moved from subject property. |  |  |  | Reviewer Comment (2026-02-17): Subject property is departing residence being turned into rental. LOE received from borrower and loan officer indicating borrower's intention to move outside of the country with no permanent address at time of initial application/credit pull.<br>Buyer Comment (2026-02-13): loe credit<br>Buyer Comment (2026-02-13): loe from loan officer | 02/17/2026 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 326 (redacted) |  | 36280528 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing [redacted] months cancelled checks/bank statements for primary residence. |  |  |  | Reviewer Comment (2026-02-17): [redacted] months bank statements for primary residence received and verified the details. Exception Cleared.<br>Buyer Comment (2026-02-13): VOR | 02/17/2026 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 327 (redacted) |  | 36280531 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | The File Contains an estimated closing statement only. The Final Executed HUD is Required. |  |  |  | Reviewer Comment (2026-02-25): Received final closing statement. Exception cleared.<br>Buyer Comment (2026-02-23): See stamped HUD-1 attached. Thank you. | 02/25/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| (redacted) | 327 (redacted) |  | 36280532 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide a [redacted] month pay history for the subject proeprty. Fraud Report and title both reflect a lien secured by the subject property. Or, provide evidence the property is owned free and clear. |  |  |  | Reviewer Comment (2026-03-03): Received updated property history report with the status of lien on page #[redacted] showing released. Exception Cleared<br>Buyer Comment (2026-02-27): Hi [redacted]. Please note the property profile pg #[redacted]& page #[redacted]show paid off in [redacted]. If that's not what you are referring to please let me know exactly what is needed to clear. Thanks so much.<br>Reviewer Comment (2026-02-25): Received Note and deed of trust for the existing lien of $[redacted] which can be verify through property profile. Per received documents, principal and accrued interest was due and payable on or before [redacted]. Provide evidence of lien is paid off in full and property is free and clear. Exception remains.<br>Buyer Comment (2026-02-23): Please see the property profile attached with all property taxes current. Thank you.<br>Buyer Comment (2026-02-23): Please see attached as payment were not required. Thank you. | 03/03/2026 |  |  | 1 C A D |  | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| (redacted) | 328 (redacted) |  | 36280533 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of UW discretion for borrower living rent free with other than a spouse. |  |  |  | Reviewer Comment (2026-02-17): Provided 1008 form with underwriter discretion for occupancy. Exception cleared.<br>Buyer Comment (2026-02-13): Please see underwriters 1008 with rent free comments attached. Thank you. | 02/17/2026 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 329 (redacted) |  | 36280534 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | Occupancy Certificate column [redacted] is not provided. |  |  |  | Reviewer Comment (2026-02-17): Provided Non-Owner Occupancy Declaration with primary residence address. Exception cleared.<br>Buyer Comment (2026-02-13): See form attached with [redacted] completed. Thank you. | 02/17/2026 |  |  | 1 C A |  | WI | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 329 (redacted) |  | 36280536 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD/CD is missing in the file. |  |  |  | Reviewer Comment (2026-03-06): Received Final Closing statement. Exception Cleared.<br>Buyer Comment (2026-03-04): Please see HUD-1 attached. Thank you. | 03/06/2026 |  |  | 1 C A |  | WI | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 329 (redacted) |  | 36280537 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Gift letter was not dated. |  |  |  | Reviewer Comment (2026-03-06): Received Gift Letter. Exception Cleared.<br>Buyer Comment (2026-03-04): Please see gift letter attached. Thank you. | 03/06/2026 |  |  | 1 C A |  | WI | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 329 (redacted) |  | 36280538 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Gift letter was not dated. |  |  |  | Reviewer Comment (2026-03-06): Received Gift Letter. Exception Cleared.<br>Buyer Comment (2026-03-04): Gift letter attached. | 03/06/2026 |  |  | 1 C A |  | WI | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 329 (redacted) |  | 36280539 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Gift letter was not dated. |  |  |  | Reviewer Comment (2026-03-06): Received Gift Letter. Exception Cleared.<br>Buyer Comment (2026-03-04): Gift letter attached. | 03/06/2026 |  |  | 1 C A |  | WI | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 329 (redacted) |  | 36280540 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Gift letter was not dated. |  |  |  | Reviewer Comment (2026-03-06): Received Gift Letter. Exception Cleared.<br>Buyer Comment (2026-03-04): Gift letter attached. | 03/06/2026 |  |  | 1 C A |  | WI | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 330 (redacted) |  | 36280542 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[redacted]. Provide verification of policy with sufficient coverage [redacted] provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2026-02-19): Received updated Hazard insurance policy in the file. Exception Cleared.<br>Buyer Comment (2026-02-17): HOI | 02/19/2026 |  |  | 1 C A |  | NY | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 330 (redacted) |  | 36280543 |  | 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 in file for [redacted]% LTV exception. Maximum LTV allowed [redacted]%. Compensating factors: FICO and DSCR. | 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. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2026-02-10): Waived with compensating factors per lender exception approval at origination. |  |  | 02/10/2026 | 2 B |  | NY | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 330 (redacted) |  | 36280544 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | he Certificate of Non-Owner Occupied does not show the borrower's full primary residence address. |  |  |  | Reviewer Comment (2026-02-24): Received Non-Owner Occupancy Declaration with Section [redacted] is reflecting the principal residence address. Exception Cleared.<br>Buyer Comment (2026-02-20): Non-Owner | 02/24/2026 |  |  | 1 C A |  | NY | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 330 (redacted) |  | 36280545 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower's primary residence mortgage is with a private individual. File is missing [redacted] months cancelled checks/bank statements to verify payments. |  |  |  | Reviewer Comment (2026-03-30): VOM, wire receipts and bank statment.<br>Buyer Comment (2026-03-27): Ein reporting sole owner<br>Buyer Comment (2026-03-27): [redacted]<br>Reviewer Comment (2026-03-13): The received wire confirmation does not reflect the borrower's name.<br> Exception remains.<br>Buyer Comment (2026-03-11): Wires<br>Buyer Comment (2026-03-11): VOM | 03/30/2026 |  |  | 1 C A |  | NY | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 331 (redacted) |  | 36280547 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide letter of explanation and UW Discretion for borrower living rent free. |  |  |  | Reviewer Comment (2026-02-20): Received 1008 with underwriter's comment and rent free letter. Exception Cleared.<br>Buyer Comment (2026-02-18): uw discretion<br>Buyer Comment (2026-02-18): rent free loe | 02/20/2026 |  |  | 1 C A |  | AZ | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 331 (redacted) |  | 36280548 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is an estimated closing statement. |  |  |  | Reviewer Comment (2026-02-20): Received Final Closing Statement. Exception Cleared.<br>Buyer Comment (2026-02-18): Final SS | 02/20/2026 |  |  | 1 C A D |  | AZ | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 332 (redacted) |  | 36280550 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | The Non-Owner Occupancy Declaration is incomplete as Section [redacted] is missing the principal residence address. |  |  |  | Reviewer Comment (2026-02-19): Received Non-Owner Occupancy Declaration. Exception Cleared.<br>Buyer Comment (2026-02-17): Please see attached form with section [redacted] completed. Thank you. | 02/19/2026 |  |  | 1 C A |  | WA | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 332 (redacted) |  | 36280551 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | Unable to confirm full receipt of the [redacted] rent. Statement reflects the check provided for the rent and Security deposit is on hold. Provide evidence the funds cleared the account. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. | Actual Reserves: $[redacted]<br> Required Reserves: $[redacted] | SitusAMC | Reviewer Comment (2026-03-03): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2026-02-27): Please find exception attached. Thank you. |  |  | 03/03/2026 | 2 C B |  | WA | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 335 (redacted) |  | 36280555 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Gift Letter document missing for the $[redacted] gift. |  |  |  | Reviewer Comment (2026-02-23): Received Gift Letter for the $[redacted]. Exception Cleared.<br>Buyer Comment (2026-02-19): $[redacted] | 02/23/2026 |  |  | 1 C A |  | HI | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 335 (redacted) |  | 36280556 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing final closing statement |  |  |  | Reviewer Comment (2026-02-23): Received Final Closing statement. Exception Cleared.<br>Buyer Comment (2026-02-19): final seller<br>Buyer Comment (2026-02-19): final combined<br>Buyer Comment (2026-02-19): Final buyer | 02/23/2026 |  |  | 1 C A |  | HI | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 335 (redacted) |  | 36280557 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Needed for the $[redacted] gift. |  |  |  | Reviewer Comment (2026-02-25): Cleared per comment from client stating they did not use the $[redacted] gift to qualify.<br>Buyer Comment (2026-02-23): [redacted] only gave $[redacted]. Disregard $[redacted]gift letter from [redacted].<br>Reviewer Comment (2026-02-23): Received Deposit receipt however require source of funds/deposit for Donor's [redacted] for the $[redacted] gift. Exception Remains.<br>Buyer Comment (2026-02-19): $[redacted] official check | 02/25/2026 |  |  | 1 C A |  | HI | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 335 (redacted) |  | 36280558 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Needed for the $[redacted] gift. |  |  |  | Reviewer Comment (2026-02-25): Gift funds not needed or used to qualify.<br>Reviewer Comment (2026-02-25): Received an official check for the $[redacted]gift funds withdrawn from account #[redacted]. The official check is required for the gift funds withdrawn from account #[redacted]. Exception remains.<br>Buyer Comment (2026-02-23): $[redacted]<br>Reviewer Comment (2026-02-23): Received Deposit receipt however require source of funds/deposit for Donor's [redacted] for the $[redacted]gift. Exception Remains.<br>Buyer Comment (2026-02-19): see attached official check | 02/25/2026 |  |  | 1 C A |  | HI | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 335 (redacted) |  | 36280559 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of UW discretion for borrower living rent free with other than a spouse. |  |  |  | Reviewer Comment (2026-02-23): Received 1008 with UW Discretion. Exception Cleared.<br>Buyer Comment (2026-02-19): uw discretion | 02/23/2026 |  |  | 1 C A |  | HI | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 337 (redacted) |  | 36280561 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Public Record Type: Judgments / Balance: [redacted] without payment Plan |  |  |  | Reviewer Comment (2026-02-26): Received case summary showing judgment has been dismissed. Exception cleared.<br>Buyer Comment (2026-02-24): case dismissed | 02/26/2026 |  |  | 1 B A |  | RI | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 339 (redacted) |  | 36280572 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Service Charges. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-02): Sufficient Cure Provided At Closing |  | 02/02/2026 |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 339 (redacted) |  | 36280573 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-02): Sufficient Cure Provided At Closing |  | 02/02/2026 |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 340 (redacted) |  | 36280576 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-03-09): [redacted] lender testing ATR.<br>Buyer Comment (2026-03-09): Please waive. Thank you. |  |  | 03/09/2026 | 2 A |  | TX | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| (redacted) | 341 (redacted) |  | 36280581 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Rent-free letter was in the file, however, UW Discretion is required for borrower living rent-free with someone other than spouse. |  |  |  | Reviewer Comment (2026-02-12): Updated 1008 received and verified. Exception cleared<br>Buyer Comment (2026-02-10): See underwriters 1008 with rent free comments attached. | 02/12/2026 |  |  | 1 C A D |  | NV | Investment | Refinance - Rate/Term | D A | Exempt from ATR | N/A | No |
| (redacted) | 341 (redacted) |  | 36280582 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The file is missing the final HUD-1. Copy in file is an estimate. |  |  |  | Reviewer Comment (2026-02-12): Final closing Statement received and verified. Exception Cleared<br>Buyer Comment (2026-02-10): HUD-1 attached. Thank you.<br>Buyer Comment (2026-02-10): PFA Final HUD | 02/12/2026 |  |  | 1 D A |  | NV | Investment | Refinance - Rate/Term | D A | Exempt from ATR | N/A | No |
| (redacted) | 342 (redacted) |  | 36280586 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-03-09): [redacted] lender testing ATR.<br>Buyer Comment (2026-03-09): Please waive. Thank you! |  |  | 03/09/2026 | 2 A |  | CO | Primary | Refinance - Rate/Term | A | Non QM | Exempt from ATR | No |
| (redacted) | 343 (redacted) |  | 36280589 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes. Missing documented and/or does not meet guideline requirements. |  |  |  |  |  | Reviewer Comment (2026-02-19): Received updated 1003 with Esign trail.<br>Buyer Comment (2026-02-17): updated 1003 with E-sign Summery provided<br>Reviewer Comment (2026-02-15): Updated 1003 received; however, file is missing the e-sign trail/consent reflecting this was updated by borrower on [redacted].<br>Buyer Comment (2026-02-12): 1003 | 02/19/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 343 (redacted) |  | 36280591 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | A cure was provided to borrower at closing. |  |  |  | Reviewer Comment (2026-02-05): Sufficient Cure Provided At Closing |  | 02/05/2026 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Exempt from ATR | Yes |
| (redacted) | 343 (redacted) |  | 36280592 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Guidelines require [redacted] years' self-employment. Per the final 1003 and the filed business documents, business used in income qualification was established [redacted], which is less than [redacted] years. |  |  |  | Reviewer Comment (2026-02-24): Lender provided updated, signed 1003 with correct business start date, which is supported by the business entity listing provided in trailing docs which is dated within [redacted] business days of the Note date.<br>Buyer Comment (2026-02-20): exception<br>Reviewer Comment (2026-02-18): The CPA letter start date is not supported by the business entity filing documents provided. The borrower officially started the business used in income qualification [redacted], which is less than [redacted] years'. Guidelines require the business used in income qualification to be open/active for at least [redacted] years.<br>Buyer Comment (2026-02-17): updated 1003 with E-sign Summery provided | 02/24/2026 |  |  | 1 A |  | CA | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 343 (redacted) |  | 36280593 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-02-16): [redacted] Lender testing ATR.<br>Buyer Comment (2026-02-16): Please waive. |  |  | 02/16/2026 | 2 A |  | CA | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 343 (redacted) |  | 36280594 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to business used in income qualification not being in existence for [redacted] years as required by guidelines. |  |  |  | Reviewer Comment (2026-02-24): Lender provided updated, signed 1003 with correct business start date, which is supported by the business entity listing provided in trailing docs which is dated within [redacted] business days of the Note date.<br>Buyer Comment (2026-02-20): See attached Exception and supporting documentation<br>Reviewer Comment (2026-02-18): The CPA letter start date is not supported by the business entity filing documents provided. The borrower officially started the business used in income qualification [redacted], which is less than [redacted]years'. Guidelines require the business used in income qualification to be open/active for at least [redacted] years.<br>Buyer Comment (2026-02-17): PFA updated 1003 with E-sign summery<br>Buyer Comment (2026-02-17): Please re-review CPA letter [redacted] and Final 1003 [redacted], also attached here for your reference, Borrower started his business in [redacted] | 02/24/2026 |  |  | 1 A |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Exempt from ATR | Yes |
| (redacted) | 343 (redacted) |  | 36280595 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to business used in income qualification not being in existence for [redacted] years as required by guidelines. |  |  |  | Reviewer Comment (2026-02-24): Lender provided updated, signed 1003 with correct business start date, which is supported by the business entity listing provided in trailing docs which is dated within [redacted] business days of the Note date.<br>Buyer Comment (2026-02-20): See uploaded supporting docs for exception<br>Reviewer Comment (2026-02-18): The CPA letter start date is not supported by the business entity filing documents provided. The borrower officially started the business used in income qualification [redacted], which is less than [redacted] years'. Guidelines require the business used in income qualification to be open/active for at least [redacted] years.<br>Buyer Comment (2026-02-17): updated 1003 with E-sign Summery provided<br>Buyer Comment (2026-02-17): Please re-review CPA letter [redacted] and Final 1003 [redacted], also attached here for your reference, Borrower started his business in [redacted] | 02/24/2026 |  |  | 1 A |  | CA | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 343 (redacted) |  | 36280597 |  | 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.) | Due to business used in income qualification not being in existence for [redacted] years as required by guidelines. |  |  |  | Reviewer Comment (2026-02-24): Lender provided updated, signed 1003 with correct business start date, which is supported by the business entity listing provided in trailing docs which is dated within [redacted] business days of the Note date.<br>Buyer Comment (2026-02-20): see attached exception<br>Reviewer Comment (2026-02-18): The CPA letter start date is not supported by the business entity filing documents provided. The borrower officially started the business used in income qualification [redacted], which is less than [redacted] years'. Guidelines require the business used in income qualification to be open/active for at least [redacted] years.<br>Buyer Comment (2026-02-17): updated 1003 with E-sign Summery provided<br>Buyer Comment (2026-02-17): Please re-review CPA letter [redacted]and Final 1003 [redacted], also attached here for your reference, Borrower started his business in [redacted] | 02/24/2026 |  |  | 1 A |  | CA | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 344 (redacted) |  | 36280603 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing required third party verification dated within [redacted] business days of Note date. The CPA letter provided is dated [redacted], which is more than [redacted] year prior to the Note date. |  |  |  | Reviewer Comment (2026-02-25): Received CPA letter within [redacted] days prior to note date. Exception cleared.<br>Buyer Comment (2026-02-23): cpa letter | 02/25/2026 |  |  | 1 A |  | TX | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| (redacted) | 344 (redacted) |  | 36280604 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-02-16): [redacted] Lender testing ATR.<br>Buyer Comment (2026-02-16): Please waive. |  |  | 02/16/2026 | 2 A |  | TX | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| (redacted) | 344 (redacted) |  | 36280605 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to missing required third party verification dated within [redacted] business days of Note date. |  |  |  | Reviewer Comment (2026-02-25): Received CPA letter within [redacted] days prior to note date. Exception cleared. | 02/25/2026 |  |  | 1 A |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | Non QM | Exempt from ATR | Yes |
| (redacted) | 344 (redacted) |  | 36280606 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to missing required third party verification dated within [redacted] business days of Note date. |  |  |  | Reviewer Comment (2026-02-25): Received CPA letter within [redacted] days prior to note date. Exception cleared. | 02/25/2026 |  |  | 1 A |  | TX | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| (redacted) | 344 (redacted) |  | 36280608 |  | 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.) | Due to missing required third party verification dated within [redacted] business days of Note date. |  |  |  | Reviewer Comment (2026-02-25): Received CPA letter within [redacted] days prior to note date. Exception cleared. | 02/25/2026 |  |  | 1 A |  | TX | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| (redacted) | 344 (redacted) |  | 36280609 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Due to missing required third party verification dated within [redacted] business days of Note date. |  |  |  | Reviewer Comment (2026-02-25): Received CPA letter within [redacted] days prior to note date. Exception cleared.<br>Buyer Comment (2026-02-24): revised cpa letter was provided pg [redacted] | 02/25/2026 |  |  | 1 A |  | TX | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| (redacted) | 345 (redacted) |  | 36280612 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | 4506-C's are missing for most [redacted] years and Mortgage statement was not provided for property #[redacted]. |  |  |  | Reviewer Comment (2026-03-04): Corrected 4506-C received and verified. Exception cleared<br>Buyer Comment (2026-03-02): 4506-C<br>Reviewer Comment (2026-02-24): Received 4506-C, however they are dated [redacted]. Exception remains<br>Buyer Comment (2026-02-20): 4506<br>Reviewer Comment (2026-02-16): Received missing REO docs; however, file is still missing required 4506C for [redacted] years. | 03/04/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A B | Exempt from ATR | N/A | No |
| (redacted) | 345 (redacted) |  | 36280613 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing mortgage statement for property #[redacted]. |  |  |  | Reviewer Comment (2026-02-16): REO documents received.<br>Buyer Comment (2026-02-11): Tax cert<br>Buyer Comment (2026-02-11): HOI<br>Buyer Comment (2026-02-11): [redacted] | 02/16/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A B | Exempt from ATR | N/A | No |
| (redacted) | 345 (redacted) |  | 36280615 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 4506-C's are missing for most recent [redacted] years. |  |  |  | Reviewer Comment (2026-03-04): Corrected 4506-C received and verified. Exception cleared<br>Buyer Comment (2026-03-02): see attached 4506-C<br>Reviewer Comment (2026-02-24): Received 4506-C, however it is dated [redacted].<br>Buyer Comment (2026-02-20): see attached 4506 | 03/04/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A B | Exempt from ATR | N/A | No |
| (redacted) | 345 (redacted) |  | 36280616 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Executed Initial 1003 - Lender's is missing in file. |  |  |  | Reviewer Comment (2026-02-19): Credit Application received & associated. Exception cleared.<br>Buyer Comment (2026-02-17): Please find attached Initial 1003. | 02/19/2026 |  |  | 1 B A |  | CA | Investment | Refinance - Cash-out - Other | C A B | Exempt from ATR | N/A | No |
| (redacted) | 346 (redacted) |  | 36280617 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file is missing a copy of Final Title policy. |  |  |  | Reviewer Comment (2026-02-23): Title Short form received & associated. Exception cleared. | 02/23/2026 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Exempt from ATR | No |
| (redacted) | 346 (redacted) |  | 36280618 |  | 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 (2026-02-23): Title Short form received & coverage amount updated. Exception cleared.<br>Buyer Comment (2026-02-19): title final | 02/23/2026 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Exempt from ATR | No |
| (redacted) | 346 (redacted) |  | 36280620 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | File is missing third party verification dated within [redacted] business days of Note date, along with the required VVOE of the CPA prior to closing on the P&L program. |  |  |  | Reviewer Comment (2026-02-23): VVOE of CPA within [redacted] days of Note received & associated. Exception cleared.<br>Buyer Comment (2026-02-19): VVOE | 02/23/2026 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Exempt from ATR | No |
| (redacted) | 346 (redacted) |  | 36280621 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing third party verification dated within [redacted] business days of Note date, along with the required VVOE of the CPA prior to closing on the P&L program. |  |  |  | Reviewer Comment (2026-02-23): VVOE of CPA within [redacted] days of Note received & associated. Exception cleared.<br>Buyer Comment (2026-02-19): VVOE | 02/23/2026 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Exempt from ATR | No |
| (redacted) | 346 (redacted) |  | 36280622 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-02-16): [redacted] Lender testing ATR. |  |  | 02/16/2026 | 2 A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Exempt from ATR | No |
| (redacted) | 346 (redacted) |  | 36280623 |  | 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. | File is missing third party verification dated within [redacted] business days of Note date, along with the required VVOE of the CPA prior to closing on the P&L program. |  |  |  | Reviewer Comment (2026-02-23): VVOE of CPA within [redacted] days of Note received & associated. Exception cleared.<br>Buyer Comment (2026-02-19): Attached is exception approval | 02/23/2026 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation B | Non QM | Exempt from ATR | Yes |
| (redacted) | 346 (redacted) |  | 36280624 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | 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 third party verification dated within [redacted] business days of Note date, along with the required VVOE of the CPA prior to closing on the P&L program. |  |  |  | Reviewer Comment (2026-02-23): VVOE of CPA within [redacted] days of Note received & associated. Exception cleared.<br>Buyer Comment (2026-02-19): Please see ATR Exception uploaded into condition above. Thank you | 02/23/2026 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Exempt from ATR | No |
| (redacted) | 346 (redacted) |  | 36280625 |  | 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 third party verification dated within [redacted] business days of Note date, along with the required VVOE of the CPA prior to closing on the P&L program. |  |  |  | Reviewer Comment (2026-02-23): VVOE of CPA within [redacted] days of Note received & associated. Exception cleared.<br>Buyer Comment (2026-02-19): Please see ATR Exception uploaded in condition above. | 02/23/2026 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Exempt from ATR | No |
| (redacted) | 347 (redacted) |  | 36280626 |  | Compliance | Compliance | Federal Compliance | Federal HPML | [redacted] HPML 2014 Non 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]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2026-02-25): Received appraisal delivery confirmation from borrower.<br>Buyer Comment (2026-02-25): Appraisal receipt confirmation uploaded [redacted]. | 02/25/2026 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 347 (redacted) |  | 36280627 |  | 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[redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2026-02-25): Received appraisal delivery confirmation from borrower.<br>Buyer Comment (2026-02-25): LOE confirming receipt of the corrected appraisal. | 02/25/2026 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 347 (redacted) |  | 36280629 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-02-27): [redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Reviewer Comment (2026-02-26): [redacted] Received Cure Docs; however, received PCCD is in refinance format and Final CD present in file is in Purchase format. Also, [redacted] tracking indicates label created and not shipped. Provide PCCD in Purchase format and proof of Mailing.<br>Buyer Comment (2026-02-25): TRID Cure documents |  | 02/27/2026 |  | 2 C B |  | PA | 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 |
| (redacted) | 347 (redacted) |  | 36280630 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-02-27): [redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Reviewer Comment (2026-02-26): [redacted] Received Cure Docs; however, received PCCD is in refinance format and Final CD present in file is in Purchase format. Also, [redacted] tracking indicates label created and not shipped. Provide PCCD in Purchase format and proof of Mailing.<br>Buyer Comment (2026-02-25): See TRID Cure documents uploaded [redacted]. |  | 02/27/2026 |  | 2 C B |  | PA | 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 |
| (redacted) | 347 (redacted) |  | 36280631 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Purchase CD used for refinance transaction. Please provide CD on correct form for review of this condition |  |  |  | Reviewer Comment (2026-02-27): PCCD received in corrected form, reserve requirement exception cleared.<br>Buyer Comment (2026-02-25): See TRID Cure documents uploaded[redacted]. | 02/27/2026 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 347 (redacted) |  | 36280634 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Purchase CD used for refinance transaction. Please provide CD on correct form for review of this condition |  |  |  | Reviewer Comment (2026-02-27): PCCD received in corrected form, exception cleared.<br>Buyer Comment (2026-02-25): See TRID Cure documents uploaded [redacted] | 02/27/2026 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 347 (redacted) |  | 36280635 |  | 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. | [redacted] due to reserves requirements not met and missing VVOE with CPA prior to consummation. |  |  |  | Reviewer Comment (2026-02-27): PCCD received in corrected form, reserve requirement exception cleared.<br>Buyer Comment (2026-02-25): VVOE document uploaded on [redacted], please clear. | 02/27/2026 |  |  | 1 B A C |  | PA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 347 (redacted) |  | 36280636 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to reserves requirements not met and missing VVOE with CPA prior to consummation. |  |  |  | Reviewer Comment (2026-02-27): PCCD received in corrected form, reserve requirement exception cleared.<br>Buyer Comment (2026-02-25): VVOE document uploaded on [redacted], please clear. | 02/27/2026 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 347 (redacted) |  | 36280637 |  | 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.) | [redacted] due to reserves requirements not met and missing VVOE with CPA prior to consummation. |  |  |  | Reviewer Comment (2026-02-13): Verbal VOE with CPA received in trailing docs.<br>Buyer Comment (2026-02-11): VVOE | 02/13/2026 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 347 (redacted) |  | 36280638 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | A Verbal Verification of Employment with the CPA is required prior to closing. |  |  |  | Reviewer Comment (2026-02-13): Verbal VOE with CPA received in trailing docs.<br>Buyer Comment (2026-02-11): See VVOE uploaded [redacted] | 02/13/2026 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 347 (redacted) |  | 36280639 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | A Verbal Verification of Employment with the CPA is required prior to closing. |  |  |  | Reviewer Comment (2026-02-13): Verbal VOE with CPA received in trailing docs.<br>Buyer Comment (2026-02-11): See VVOE uploaded [redacted] | 02/13/2026 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 347 (redacted) |  | 36280641 |  | 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 [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2026-02-25): Client elects to waive. |  |  | 02/25/2026 | 2 B |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 348 (redacted) |  | 36280643 |  | Credit | Income | Document Error | Income | Bank statement page number is blank. |  | The loan program requires [redacted] months of bank statement income; however, only [redacted] months of bank statements have been provided in the file. Provide the bank statements for the months of [redacted]. |  |  |  | Reviewer Comment (2026-02-17): Bank statement received.<br>Buyer Comment (2026-02-13): #[redacted] | 02/17/2026 |  |  | 1 C A |  | TN | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 348 (redacted) |  | 36280644 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | The loan program requires [redacted] months of bank statement income; however, only [redacted] months of bank statements have been provided in the file. Provide the bank statements for the months of [redacted]. |  |  |  | Reviewer Comment (2026-02-17): Bank statement received.<br>Buyer Comment (2026-02-13): see attached bank statement | 02/17/2026 |  |  | 1 C A |  | TN | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 348 (redacted) |  | 36280646 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Other Income - Not to be used for qualifying | Qualified Mortgage (Dodd-Frank 2014): Income used to qualify borrower(s) not permitted for use under Appendix Q. | The loan program requires months of bank statement income; however, only [redacted] months of bank statements have been provided in the file. Provide the bank statements for the month of [redacted]. |  |  |  | Reviewer Comment (2026-03-05): Missing bank statement received in trailing documents. | 03/05/2026 |  |  | 1 C A |  | TN | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 348 (redacted) |  | 36280651 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Closing Disclosure not provided to Borrower at least [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2026-03-09): [redacted] received evidence for initial CD.<br>Buyer Comment (2026-03-05): Please see attached [redacted] [redacted] audit | 03/09/2026 |  |  | 1 C A |  | TN | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| (redacted) | 348 (redacted) |  | 36280653 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Exempt from ATR does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2026-03-05): Missing bank statement received in trailing documents. | 03/05/2026 |  |  | 1 B A C |  | TN | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| (redacted) | 348 (redacted) |  | 36280654 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | 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 (2026-03-05): Missing bank statement received in trailing documents. | 03/05/2026 |  |  | 1 C A |  | TN | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 348 (redacted) |  | 36280655 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing [redacted] Statement (#[redacted]) |  |  |  | Reviewer Comment (2026-02-17): Bank statement received.<br>Buyer Comment (2026-02-13): see attached statement | 02/17/2026 |  |  | 1 C A |  | TN | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 349 (redacted) |  | 36280659 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | 1003 Initial - Lender's document is not provided. |  |  |  | Reviewer Comment (2026-02-19): Initial Credit application received.<br>Buyer Comment (2026-02-17): Please find attached document | 02/19/2026 |  |  | 1 B A |  | TX | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | N/A | No |
| (redacted) | 351 (redacted) |  | 36280665 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-11): Sufficient Cure Provided At Closing |  | 02/11/2026 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure A | Non QM | Exempt from ATR | Yes |
| (redacted) | 351 (redacted) |  | 36280666 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per guidelines, a [redacted] month housing history is required to be verified. Credit supplements in file verify rental payments through [redacted], with next payment due [redacted]; however, loan closed [redacted]. Please provide evidence of [redacted]payment. |  |  |  | Reviewer Comment (2026-02-19): Credit supplement received confirming payment of [redacted]<br>Buyer Comment (2026-02-17): credit supplement | 02/19/2026 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 351 (redacted) |  | 36280667 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | File is missing the required VVOE of the CPA prior to closing, along with third party verification of self-employment dated within [redacted] business days of the Note date. |  |  |  | Reviewer Comment (2026-02-19): VVOE received from CPA along with CPA letter confirming ownership of [redacted]%. VOE is within [redacted] business days.<br>Buyer Comment (2026-02-17): [redacted] | 02/19/2026 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 351 (redacted) |  | 36280668 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing the required VVOE of the CPA prior to closing, along with third party verification of self-employment dated within [redacted] business days of the Note date. |  |  |  | Reviewer Comment (2026-02-19): VVOE received from CPA along with CPA letter confirming ownership of [redacted]%. VOE is within [redacted]business days.<br>Buyer Comment (2026-02-17): [redacted] | 02/19/2026 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 351 (redacted) |  | 36280669 |  | Compliance | Compliance | Federal Compliance | ATR/QM | [redacted] Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-02-16): [redacted] Lender testing ATR. |  |  | 02/16/2026 | 2 A |  | NJ | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 351 (redacted) |  | 36280670 |  | 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. | File is missing the required VVOE of the CPA prior to closing, along with third party verification of self-employment dated within [redacted] business days of the Note date. |  |  |  | Reviewer Comment (2026-02-19): VVOE received from CPA along with CPA letter confirming ownership of [redacted]%. VOE is within [redacted]business days. | 02/19/2026 |  |  | 1 B A C |  | NJ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Exempt from ATR | Yes |
| (redacted) | 351 (redacted) |  | 36280671 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | 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 the required VVOE of the CPA prior to closing, along with third party verification of self-employment dated within [redacted]business days of the Note date. |  |  |  | Reviewer Comment (2026-02-19): VVOE received from CPA along with CPA letter confirming ownership of [redacted]%. VOE is within [redacted]business days. | 02/19/2026 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 351 (redacted) |  | 36280672 |  | 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 the required VVOE of the CPA prior to closing, along with third party verification of self-employment dated within [redacted] business days of the Note date. |  |  |  | Reviewer Comment (2026-02-19): VVOE received from CPA along with CPA letter confirming ownership of [redacted]%. VOE is within [redacted]business days. | 02/19/2026 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Exempt from ATR | No |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 3**

**Rating Agency Grades**

**Run Date - 4/15/2026 8:23:26 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **Morningstar** | **Morningstar** |
| (redacted) | 1 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 2 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 3 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 4 (redacted) |  |  | B |  | C | C | C | C | C | A | C | B |  | A | A | A | A | A | A | B |  |
| (redacted) | 5 (redacted) |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 6 (redacted) |  |  | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 7 (redacted) |  |  | C |  | A | A | A | A | A | A | C | B |  | B | B | B | B | B | A | B |  |
| (redacted) | 8 (redacted) |  |  | C |  | A | A | A | A | A | A | C | B |  | A | A | A | A | A | A | B |  |
| (redacted) | 9 (redacted) |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 10 (redacted) |  |  | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 11 (redacted) |  |  | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 12 (redacted) |  |  | C |  | C | C | C | C | C | A | C | B |  | A | B | B | B | A | A | B |  |
| (redacted) | 13 (redacted) |  |  | C |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| (redacted) | 14 (redacted) |  |  | C D |  | A | A | A | A | A | A | C D | B |  | A | A | A | A | A | A | B |  |
| (redacted) | 15 (redacted) |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 16 (redacted) |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 17 (redacted) |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 18 (redacted) |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 19 (redacted) |  |  | B |  | A | A | A | A | A | A | B | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 20 (redacted) |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 21 (redacted) |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 22 (redacted) |  |  | C |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| (redacted) | 23 (redacted) |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 24 (redacted) |  |  | C |  | C | C | C | C | C | A | C | B |  | A | A | A | A | A | A | B |  |
| (redacted) | 25 (redacted) |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 26 (redacted) |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 27 (redacted) |  |  | A |  | B | B | B | B | B | B | B | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 28 (redacted) |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 29 (redacted) |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 30 (redacted) |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 31 (redacted) |  |  | D |  | A | A | A | A | A | A | D | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 32 (redacted) |  |  | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 33 (redacted) |  |  | C |  | A | A | A | A | A | A | C | B |  | A | A | A | A | A | A | B |  |
| (redacted) | 34 (redacted) |  |  | A |  | B | B | B | B | B | A | B | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 35 (redacted) |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 36 (redacted) |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 37 (redacted) |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 38 (redacted) |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 39 (redacted) |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 40 (redacted) |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 41 (redacted) |  |  | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 42 (redacted) |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 43 (redacted) |  |  | A |  | B | B | B | B | B | A | B | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 44 (redacted) |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 45 (redacted) |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 46 (redacted) |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 47 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 48 (redacted) |  |  | B |  |  |  |  |  |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| (redacted) | 49 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 50 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 51 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 52 (redacted) |  |  | C |  |  |  |  |  |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| (redacted) | 53 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 54 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 55 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 56 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 57 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 58 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 59 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 60 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 61 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 62 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 63 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 64 (redacted) |  |  | C |  |  |  |  |  |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| (redacted) | 65 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 66 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 67 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 68 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 69 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 70 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 71 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 72 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 73 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 74 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 75 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 76 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 77 (redacted) |  |  | C D |  |  |  |  |  |  | A | C D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 78 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 79 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 80 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 81 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 82 (redacted) |  |  | B |  |  |  |  |  |  | A | B | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 83 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 84 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 85 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 86 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 87 (redacted) |  |  | B |  |  |  |  |  |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| (redacted) | 88 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 89 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 90 (redacted) |  |  | C D |  |  |  |  |  |  | A | C D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 91 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 92 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 93 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 94 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 95 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 96 (redacted) |  |  | B |  |  |  |  |  |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| (redacted) | 97 (redacted) |  |  | C D |  |  |  |  |  |  | A | C D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 98 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 99 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 100 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 101 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 102 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 103 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 104 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 105 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 106 (redacted) |  |  | C |  |  |  |  |  |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| (redacted) | 107 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 108 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 109 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 110 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 111 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 112 (redacted) |  |  | C |  |  |  |  |  |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| (redacted) | 113 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 114 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 115 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 116 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 117 (redacted) |  |  | D |  |  |  |  |  |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 118 (redacted) |  |  | B |  |  |  |  |  |  | A | B | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 119 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 120 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 121 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 122 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 123 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 124 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 125 (redacted) |  |  | C |  |  |  |  |  |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| (redacted) | 126 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 127 (redacted) |  |  | C |  |  |  |  |  |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| (redacted) | 128 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 129 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 130 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 131 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 132 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 133 (redacted) |  |  | D |  |  |  |  |  |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 134 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 135 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 136 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 137 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 138 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 139 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 140 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 141 (redacted) |  |  | D |  |  |  |  |  |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 142 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 143 (redacted) |  |  | C D |  |  |  |  |  |  | A | C D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 144 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 145 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 146 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 147 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 148 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 149 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 150 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 151 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 152 (redacted) |  |  | C D |  |  |  |  |  |  | A | C D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 153 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 154 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 155 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 156 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 157 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 158 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 159 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 160 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 161 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 162 (redacted) |  |  | A |  |  |  |  |  |  | A B | A B | A |  | N/A | N/A | N/A | N/A | N/A | A B | A B |  |
| (redacted) | 163 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 164 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 165 (redacted) |  |  | C |  |  |  |  |  |  | C | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| (redacted) | 166 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 167 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 168 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 169 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 170 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 171 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 172 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 173 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 174 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 175 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 176 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 177 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 178 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 179 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 180 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 181 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 182 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 183 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 184 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 185 (redacted) |  |  | C |  |  |  |  |  |  | D | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 186 (redacted) |  |  | B |  |  |  |  |  |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| (redacted) | 187 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 188 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 189 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 190 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 191 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 192 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 193 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 194 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 195 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 196 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 197 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 198 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 199 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 200 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 201 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 202 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 203 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 204 (redacted) |  |  | B |  |  |  |  |  |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| (redacted) | 205 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 206 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 207 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 208 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 209 (redacted) |  |  | C |  |  |  |  |  |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| (redacted) | 210 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 211 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 212 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 213 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 214 (redacted) |  |  | C D |  |  |  |  |  |  | A | C D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 215 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 216 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 217 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 218 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 219 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 220 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 221 (redacted) |  |  | C |  |  |  |  |  |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| (redacted) | 222 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 223 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 224 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 225 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 226 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 227 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 228 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 229 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 230 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 231 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 232 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 233 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 234 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 235 (redacted) |  |  | D |  |  |  |  |  |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 236 (redacted) |  |  | C D |  |  |  |  |  |  | A | C D | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| (redacted) | 237 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 238 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 239 (redacted) |  |  | B |  |  |  |  |  |  | A | B | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 240 (redacted) |  |  | C D |  |  |  |  |  |  | A | C D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 241 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 242 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 243 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 244 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 245 (redacted) |  |  | C D |  |  |  |  |  |  | A | C D | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| (redacted) | 246 (redacted) |  |  | D |  |  |  |  |  |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 247 (redacted) |  |  | D |  |  |  |  |  |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 248 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 249 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 250 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 251 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 252 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 253 (redacted) |  |  | C |  |  |  |  |  |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| (redacted) | 254 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 255 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 256 (redacted) |  |  | C |  |  |  |  |  |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| (redacted) | 257 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 258 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 259 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 260 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 261 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 262 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 263 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 264 (redacted) |  |  | D |  |  |  |  |  |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 265 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 266 (redacted) |  |  | C D |  |  |  |  |  |  | A | C D | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| (redacted) | 267 (redacted) |  |  | D |  |  |  |  |  |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 268 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 269 (redacted) |  |  | D |  |  |  |  |  |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 270 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 271 (redacted) |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 272 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 273 (redacted) |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| (redacted) | 274 (redacted) |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 275 (redacted) |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 276 (redacted) |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 277 (redacted) |  |  | C D |  | N/A | N/A | N/A | N/A | N/A | A | C D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 278 (redacted) |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 279 (redacted) |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 280 (redacted) |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 281 (redacted) |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 282 (redacted) |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 283 (redacted) |  |  | D |  |  |  |  |  |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 284 (redacted) |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 285 (redacted) |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 286 (redacted) |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 287 (redacted) |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 288 (redacted) |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 289 (redacted) |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 290 (redacted) |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 291 (redacted) |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 292 (redacted) |  |  | C D |  | N/A | N/A | N/A | N/A | N/A | A | C D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 293 (redacted) |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 294 (redacted) |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 295 (redacted) |  |  | D |  | N/A | N/A | N/A | N/A | N/A | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 296 (redacted) |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 297 (redacted) |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 298 (redacted) |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 299 (redacted) |  |  | C D |  | N/A | N/A | N/A | N/A | N/A | A | C D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 300 (redacted) |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 301 (redacted) |  |  | D |  | N/A | N/A | N/A | N/A | N/A | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 302 (redacted) |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 303 (redacted) |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 304 (redacted) |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 305 (redacted) |  |  | C D |  | N/A | N/A | N/A | N/A | N/A | D | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 306 (redacted) |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 307 (redacted) |  |  | D |  | N/A | N/A | N/A | N/A | N/A | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 308 (redacted) |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 309 (redacted) |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 310 (redacted) |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 311 (redacted) |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 312 (redacted) |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 313 (redacted) |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 314 (redacted) |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 315 (redacted) |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 316 (redacted) |  |  | D |  | N/A | N/A | N/A | N/A | N/A | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 317 (redacted) |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 318 (redacted) |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 319 (redacted) |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| (redacted) | 320 (redacted) |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 321 (redacted) |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 322 (redacted) |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 323 (redacted) |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 324 (redacted) |  |  | C D |  | N/A | N/A | N/A | N/A | N/A | A | C D | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| (redacted) | 325 (redacted) |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 326 (redacted) |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 327 (redacted) |  |  | C D |  | N/A | N/A | N/A | N/A | N/A | A | C D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 328 (redacted) |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 329 (redacted) |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 330 (redacted) |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| (redacted) | 331 (redacted) |  |  | C D |  | N/A | N/A | N/A | N/A | N/A | A | C D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 332 (redacted) |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| (redacted) | 333 (redacted) |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 334 (redacted) |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 335 (redacted) |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 336 (redacted) |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 337 (redacted) |  |  | B |  | N/A | N/A | N/A | N/A | N/A | A | B | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| (redacted) | 338 (redacted) |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 339 (redacted) |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 340 (redacted) |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 341 (redacted) |  |  | C D |  | D | D | D | D | D | A | D | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 342 (redacted) |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 343 (redacted) |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 344 (redacted) |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 345 (redacted) |  |  | C |  | B | B | B | B | B | A | C | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 346 (redacted) |  |  | B |  | A | A | A | A | A | A | B | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 347 (redacted) |  |  | C |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| (redacted) | 348 (redacted) |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 349 (redacted) |  |  | A |  | B | B | B | B | B | A | B | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 350 (redacted) |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| (redacted) | 351 (redacted) |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 4**

**Valuation Report**

**Run Date - 4/15/2026 8:23:27 AM** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer 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** |
| (redacted) | 1 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.940% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.60 |
| (redacted) | 2 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 3 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| (redacted) | 4 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 5 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| (redacted) | 6 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 7 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 8 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 9 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| (redacted) | 10 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 11 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 12 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 13 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 14 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| (redacted) | 15 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| (redacted) | 16 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| (redacted) | 17 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| (redacted) | 18 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| (redacted) | 19 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 20 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 21 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.690% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| (redacted) | 22 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 23 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 24 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| (redacted) | 25 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.10 |
| (redacted) | 26 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| (redacted) | 27 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.790% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 28 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 29 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 30 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| (redacted) | 31 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| (redacted) | 32 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 33 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 34 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 35 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| (redacted) | 36 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| (redacted) | 37 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 38 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 39 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 40 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 41 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| (redacted) | 42 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.160% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 43 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| (redacted) | 44 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| (redacted) | 45 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| (redacted) | 46 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| (redacted) | 47 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 48 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 49 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 50 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 51 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| (redacted) | 52 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 53 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.610% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| (redacted) | 54 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 55 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 56 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 57 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 58 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 59 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| (redacted) | 60 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 61 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 62 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
| (redacted) | 63 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 64 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 65 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| (redacted) | 66 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| (redacted) | 67 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 68 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| (redacted) | 69 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 70 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 71 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 72 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 73 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| (redacted) | 74 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 75 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| (redacted) | 76 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 77 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 78 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 79 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 80 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 81 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| (redacted) | 82 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 83 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 84 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 85 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 86 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 87 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.420% |  |  | Appraisal |  |  |  |  |  | 3.700% |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 88 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| (redacted) | 89 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| (redacted) | 90 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| (redacted) | 91 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| (redacted) | 92 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 93 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -13.960% |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| (redacted) | 94 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.70 |
| (redacted) | 95 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| (redacted) | 96 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 97 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| (redacted) | 98 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 99 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| (redacted) | 100 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| (redacted) | 101 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 102 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 103 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 104 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| (redacted) | 105 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| (redacted) | 106 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 107 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| (redacted) | 108 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| (redacted) | 109 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| (redacted) | 110 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 111 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.960% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| (redacted) | 112 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 113 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 114 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| (redacted) | 115 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 116 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 117 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| (redacted) | 118 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.040% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 119 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 120 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 121 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| (redacted) | 122 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 123 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 124 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 125 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 126 (redacted) |  |  |  |  |  |  |  | 16.590% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| (redacted) | 127 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.870% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 128 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| (redacted) | 129 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 130 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| (redacted) | 131 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 132 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 133 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 134 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 135 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| (redacted) | 136 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| (redacted) | 137 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 138 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| (redacted) | 139 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 140 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 141 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 142 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| (redacted) | 143 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 144 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 145 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 146 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 147 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 148 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 149 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 150 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| (redacted) | 151 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 152 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 153 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 154 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 155 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| (redacted) | 156 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| (redacted) | 157 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 158 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| (redacted) | 159 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 160 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| (redacted) | 161 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| (redacted) | 162 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -23.980% |  |  | AVM |  |  |  |  |  |  |  |  |  |  |  | 6.010% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 163 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 164 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 165 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 166 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.130% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| (redacted) | 167 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 168 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| (redacted) | 169 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 170 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| (redacted) | 171 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 172 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 173 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| (redacted) | 174 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 175 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 176 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| (redacted) | 177 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| (redacted) | 178 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 179 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| (redacted) | 180 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 181 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 182 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 183 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| (redacted) | 184 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| (redacted) | 185 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| (redacted) | 186 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 187 (redacted) |  |  |  |  |  |  |  | 22.670% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 188 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 189 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 190 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 191 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| (redacted) | 192 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| (redacted) | 193 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 194 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 195 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 196 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 197 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 198 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 199 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 200 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 201 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 202 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| (redacted) | 203 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 204 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| (redacted) | 205 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 206 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| (redacted) | 207 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 208 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| (redacted) | 209 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 29.860% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 210 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| (redacted) | 211 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| (redacted) | 212 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| (redacted) | 213 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 214 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| (redacted) | 215 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 216 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 217 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| (redacted) | 218 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| (redacted) | 219 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| (redacted) | 220 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| (redacted) | 221 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| (redacted) | 222 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| (redacted) | 223 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 224 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 225 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 226 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 227 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 228 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 229 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.040% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 230 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| (redacted) | 231 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| (redacted) | 232 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.40 |
| (redacted) | 233 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 234 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 235 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 236 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| (redacted) | 237 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| (redacted) | 238 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| (redacted) | 239 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.700% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| (redacted) | 240 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 241 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| (redacted) | 242 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 243 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| (redacted) | 244 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| (redacted) | 245 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| (redacted) | 246 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| (redacted) | 247 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 248 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 249 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| (redacted) | 250 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| (redacted) | 251 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 252 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 253 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 254 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| (redacted) | 255 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| (redacted) | 256 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| (redacted) | 257 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 258 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| (redacted) | 259 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 260 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 261 (redacted) |  |  |  |  |  |  |  | 10.260% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 262 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 263 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 264 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 265 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 266 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 267 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 268 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 269 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| (redacted) | 270 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 271 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 272 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 273 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 274 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 275 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| (redacted) | 276 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 277 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 278 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 279 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 280 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| (redacted) | 281 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.00 |
| (redacted) | 282 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 283 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| (redacted) | 284 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 285 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 286 (redacted) |  |  |  |  |  |  |  | 14.290% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 287 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 288 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 289 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| (redacted) | 290 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 291 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 292 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 293 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| (redacted) | 294 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 295 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 296 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| (redacted) | 297 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 298 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| (redacted) | 299 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 300 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 301 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| (redacted) | 302 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 303 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| (redacted) | 304 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| (redacted) | 305 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| (redacted) | 306 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.330% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| (redacted) | 307 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| (redacted) | 308 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 309 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| (redacted) | 310 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 311 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 312 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 313 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 314 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 315 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 316 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 317 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 318 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 319 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| (redacted) | 320 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 321 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| (redacted) | 322 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 323 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.210% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| (redacted) | 324 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| (redacted) | 325 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.580% |  |  | AVM |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 326 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| (redacted) | 327 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| (redacted) | 328 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 329 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 330 (redacted) |  |  |  |  |  |  |  | 4.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 331 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| (redacted) | 332 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 333 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| (redacted) | 334 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 335 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| (redacted) | 336 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| (redacted) | 337 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| (redacted) | 338 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.90 |
| (redacted) | 339 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| (redacted) | 340 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 341 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 342 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| (redacted) | 343 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 344 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| (redacted) | 345 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| (redacted) | 346 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 347 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.650% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.80 |
| (redacted) | 348 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| (redacted) | 349 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| (redacted) | 350 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 351 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.540% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |

---

## Exhibit 99.2

**Exhibit 99.2**

![](tm2612015d1_ex99-2img001.jpg)

Consolidated Analytics, Inc.

Form ABS Due Diligence 15-E

BARC 2026-NQM4

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

**FORM ABS DUE DILIGENCE-15E**

**CERTIFICATION OF PROVIDER OF THIRD-PARTY DUE DILIGENCE SERVICES FOR ASSET-BACKED SECURITIES**

**Item 1: Identity of the person providing third-party due diligence services**

Legal Name: Consolidated Analytics, Inc.

Business Name (If Different):

Principal Business Address: 1 MacArthur Place – Suite 100, Santa Ana, CA 92707

**Item 2: Identity of the person who paid the person to provide due diligence services**

Legal Name: Sutton Funding LLC

Business Name (If Different):

Principal Business Address: 745 7th Ave., New York, NY 10019

In connection therewith, Client shall pay to Consolidated Analytics the greater of a fee totaling $2500.00 or $25 per loan, which fee the Client acknowledges and agrees shall be paid concurrently with the funding of the transaction in connection with which this letter is being delivered.

**Item 3: Credit rating criteria**

The third-party due diligence services performed are intended to satisfy the criteria for due diligence by nationally recognized rating organization(s) identified below.

Identity of NRSRO <u>Title and Date of Criteria</u> <br> <u> Moody's Investors Service, Inc.</u> <u>US Residential Mortgage-backed Securitizations, August 20, 2025</u>

**Item 4: Description of the due diligence performed**

See Attachment A.

**Item 5: Summary of findings and conclusions of review**

See Attachment B.

**CERTIFICATION**

The undersigned has executed this Form ABS Due Diligence 15E on behalf of, and on the authority of, the person identified in Item 1 of the Form. The undersigned, on behalf of the person, represents that the person identified in Item 1 of the Form conducted a thorough review in performing the due diligence described in Item 4 attached to this Form and that the information and statements contained in this Form, including Items 4 and 5 attached to this Form, which are part of this Form, are accurate in all significant respects.

Consolidated Analytics, Inc.

---

| |
|:---|
| By: |
| Date: |

---

**Attachment A**

**Item 4: Description of the due diligence performed**

BARC 2026-NQM4

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

Consolidated Analytics, Inc. ("Consolidated Analytics") performed certain due diligence services (the "Review") described below on newly originated residential mortgage loans acquired by Sutton Funding LLC through a bulk purchase. The Review was conducted from September 2025 through February 2026 on mortgage loans originated between September 2025 and December 2025.

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

The Review consisted of a sample population of 160 loans with an aggregate principal balance of $107,259,076.00.

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

The sample population was determined and provided by Consolidated Analytics' client (as identified by Item 2). The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations Moody's Investors Service, Inc., NRSRO(s), identified in Item 3 of the ABS Due Diligence-15E. Consolidated Analytics does not know the size of the overall securitization population and other third-party review ("TPR") firms may have reviewed loans within the overall securitization population.

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

Consolidated Analytics compared data fields on the bid tape provided by the Client to the data found in the actual mortgage loan file as captured by Consolidated Analytics. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;Original Appraised Value |
| &nbsp;&nbsp;Rate Lock Date | &nbsp;&nbsp;Original PI Payment | &nbsp;&nbsp;Borrower Last Name |
| &nbsp;&nbsp;Escrow Indicator | &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Orig Front End DTI | &nbsp;&nbsp;Original Note Rate | &nbsp;&nbsp;Original CLTV |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Orig Back End DTI | &nbsp;&nbsp;Property Address | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;UW FICO Utilized |
| &nbsp;&nbsp;AUS Type | &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;All Borrower Total Income |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Reserves |
| &nbsp;&nbsp;Original HOA Payment | &nbsp;&nbsp;Application Date | &nbsp;&nbsp;Months Reserves |
| &nbsp;&nbsp;As-is Value | &nbsp;&nbsp;Borrower Appraisal Receipt Date | &nbsp;&nbsp;DSCR |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;Citizenship | &nbsp;&nbsp;T&I Payment |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;FTHB Flag | &nbsp;&nbsp;Cashout (Incl. Debt Paid at Close) |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;Qualifying All Borrower Residual Income |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;Cash out Include Debt Paid at Close |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;Lock Term (Days) | &nbsp;&nbsp;Qualifying Total Monthly Liabilities |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;Total Liquid Assets Available For Close |
| &nbsp;&nbsp;Total Qualified Assets Available | &nbsp;&nbsp;Borrower 2 Qualifying Income | &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Qualifying Monthly P&I Amount | &nbsp;&nbsp;Reviewed Appraised Property Value |
| &nbsp;&nbsp;Qualifying Interest Rate | &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;Monthly Total Escrow Payment |

---

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

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:

A. QM
 or ATR Validation / Review of 8 Key Underwriting Factors

&nbsp;&nbsp;&nbsp;&nbsp;1. Income
 / Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate
 borrower(s) monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
 funds required to close, required reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 file documentation for required level of income and asset verifications

&nbsp;&nbsp;&nbsp;&nbsp;2. Employment
 Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly
 Mortgage Payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Confirm
 program, qualifying rate, terms

&nbsp;&nbsp;&nbsp;&nbsp;4. Simultaneous
 Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate
 all concurrent loans are included in the DTI to properly assess the ability to repay

&nbsp;&nbsp;&nbsp;&nbsp;5. Mortgage
 Related Obligations: PITI, HOA, PMI, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate
 subject loan monthly payment (PITI) and associated obligations

&nbsp;&nbsp;&nbsp;&nbsp;6. Debts
 / Obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate
 monthly recurring liabilities

&nbsp;&nbsp;&nbsp;&nbsp;7. DTI
 and/or Residual Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate
 debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Documentation
 meets Appendix Q requirements for QM Loans

&nbsp;&nbsp;&nbsp;&nbsp;8. Credit
 History

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 credit report for credit history and required credit depth including any / all inquiries

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Determine
 representative credit score from credit report

&nbsp;&nbsp;&nbsp;&nbsp;9. Validate
 loan-to-value (LTV) and combined loan-to-value

&nbsp;&nbsp;&nbsp;&nbsp;10. Review
 borrower's occupancy

&nbsp;&nbsp;&nbsp;&nbsp;11. Validation
 through third party resource of the subject properties most recent twelve (12) month sales
 history

&nbsp;&nbsp;&nbsp;&nbsp;12. 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;13. Confirm
 that Final 1003 is sufficiently completed

&nbsp;&nbsp;&nbsp;&nbsp;14. Provide
 Audit 1008 with accurate data based on file documentation

&nbsp;&nbsp;&nbsp;&nbsp;15. Confirm
 Loan Approval conditions were met

&nbsp;&nbsp;&nbsp;&nbsp;16. Review
 condominium questionnaire to verify all information is complete, prepared by an authorized
 representative, and address any red flags that may deem condominium project ineligible

&nbsp;&nbsp;&nbsp;&nbsp;17. General
 QM for any loans originated under the GQM Rule

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Pricing
 Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Pricing
 for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction with a loan amount greater than or equal to the applicable
 dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5%
 for a first-lien covered transaction with a loan amount greater than or equal to the applicable
 dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5%
 for a first-lien covered transaction with a loan amount less than the applicable dollar amount
 threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Pricing
 for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5%
 for a subordinate-lien covered transaction with a loan amount greater than or equal to the
 applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a subordinate-lien covered transaction with a loan amount less than the applicable dollar
 amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Pricing
 for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction secured by a manufactured home with a loan amount equal
 to or greater than the applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a covered transaction secured by a manufactured home with a loan amount less than the
 applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Consider
 Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Consumer's
 current or reasonably expected income or assets (other than the value of the dwelling that
 secures the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 consumer's debt obligations, alimony, child support; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. The
 monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Verification
 of Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verification
 in compliance with one of the "safe harbor" guidelines will meet the QM verification
 requirement. A creditor is allowed to "mix and match" provisions of the different
 guidelines rather than only apply one guideline per loan.

The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the **verification** requirement. These specified manuals are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapters
 B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Sections
 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June
 10, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sections
 II.A.1 and II.A.4-5 of the Federal Housing Administration's Single Family Housing Policy
 Handbook, issued October 24, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Chapter
 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February 22,
 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Chapter
 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct Single
 Family Housing Program, revised March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Chapters
 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single Family
 Guaranteed Loan Program, revised March 19, 2020.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;1. 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

&nbsp;&nbsp;&nbsp;&nbsp;2. 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;3. 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;4. 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;5. Review
 adjustments (line item, net and gross adjustments) to ensure they are reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;6. Ensure
 that the appraisal conforms to the guidelines provided from the Client

&nbsp;&nbsp;&nbsp;&nbsp;7. Review
 appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;8. Review
 location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;9. Ensure
 highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;10. Confirm
 there are no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;11. Ensure
 subject property does not suffer any functional obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;12. 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;13. 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 (160 loans in total):

Eleven (11) loans had a Secondary Appraisal, zero (0) loans had AVMs, and one hundred sixty (160) loans had a Desktop Review. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then 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.

One (1) loan had a Field Review or BPO, and zero (0) loans had a Full Appraisal Review.

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

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

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. 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.

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

Not applicable.

**Attachment B<br> Item 5: Summary of findings and conclusions of review**

**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 |
| Event Grade A | 154 | $98765000.00 | 96.25% |
| Event Grade B | 6 | $8494076.00 | 3.75% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 160 | $107259076.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 154 | 96.25% |
| Event Grade B | 6 | 3.75% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 160 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 160 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 160 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 160 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 160 | 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;106 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Business Purpose Affidavit/Disclosure Missing | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Credit Report is Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Purchase is not considered to be an Arm's Length Transaction | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Purchase Contract is Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Personal Guaranty Agreement Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;2 |
| &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;The Deed of Trust is Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Policy is Partial | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Property Tax Cert | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 1 Expired | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower owns more financed properties than allowed per guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 YTD Profit & Loss Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Rental Experience Not Within Guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Trust Agreement | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 1 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Credit Report is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Flood Insurance Policy Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Lease Agreements Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower does not meet residual income requirement | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Taxpayer First Act Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;HO-6 Insurance Policy is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 5 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Note is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 CPA Letter Missing | &nbsp;&nbsp;1 |
| &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;PUD Rider is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing attorney opinion letter/trust review documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Rent Loss Insurance Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing income documentation | &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;Missing Lease Agreement | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Personal Guaranty | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Document Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 4 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Loan Agreement Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**177** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Loan Amount is greater than Guideline Maximum Loan Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Satisfactory Chain of Title not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Delinquent Credit History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;**6** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;150 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Final CD: Closing Date is missing or inaccurate | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Intent to Proceed is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;The Note is Not Executed | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;**160** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;154 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;The appraiser was not licensed (Primary Value) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property Issue(s) are Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;**158** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the one hundred sixty (160) mortgage loans reviewed, twenty-one (21) unique mortgage loans (13.13% by loan count) had a total of twenty-four (24) 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 Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;12 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;4 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;12.50% |
| &nbsp;&nbsp;Qualifying Interest Rate | &nbsp;&nbsp;2 | &nbsp;&nbsp;8.33% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.17% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.17% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.17% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**24** | &nbsp;&nbsp;**100.00%** |

---

**Event Grade Definitions**

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &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 99.2

**Exhibit 99.2 Schedule 1**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Loan Number** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 6573393 | XXXXX | Qualifying Interest Rate | XXX | XXX | Per guidelines |
| 6660558 | XXXXX | Borrower 1 FTHB | XXX | XXX | Per Final 1003 |
| 6698536 | XXXXX | Borrower 1 FTHB | XXX | XXX | Per Final 1003 |
| 6698541 | XXXXX | Property Type | XXX | XXX | Subject is a in a PUD. |
| 6698618 | XXXXX | Qualifying FICO | XXX | XXX | Primary wage earner FICO used for Audit. |
| 6698599 | XXXXX | Borrower 1 Citizen | XXX | XXX | Per XXX card |
| 6698599 | XXXXX | Borrower 1 FTHB | XXX | XXX | Per Final 1003 |
| 6698613 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | Per income docs |
| 6698613 | XXXXX | Property Type | XXX | XXX | Per appraisal |
| 6698495 | XXXXX | Borrower 1 FTHB | XXX | XXX | Per Final 1003 |
| 6698556 | XXXXX | Borrower 1 Citizen | XXX | XXX | XXX verified via docs provided. |
| 6698571 | XXXXX | Borrower 1 FTHB | XXX | XXX | Borrowers are FTHB |
| 6698575 | XXXXX | Borrower 1 Citizen | XXX | XXX | Borrower is a XXX |
| 6698611 | XXXXX | Borrower 1 FTHB | XXX | XXX | Bwr is a FTHB |
| 6698534 | XXXXX | Borrower 1 Citizen | XXX | XXX | Confirmed on the Final 1003 and residency docs. |
| 6698529 | XXXXX | Number of Units | XXX | XXX | Subject is a XXX unit. |
| 6698529 | XXXXX | Property Type | XXX | XXX | Subject is a XXX unit. |
| 6698496 | XXXXX | Borrower 1 FTHB | XXX | XXX | Bwr is a FTHB |
| 6698577 | XXXXX | Borrower 1 FTHB | XXX | XXX | First time homebuyer, no mortgage history only rental |
| 6698593 | XXXXX | Borrower 1 FTHB | XXX | XXX | Borrowers are FTHB. |
| 6698621 | XXXXX | Borrower 1 FTHB | XXX | XXX | Borrower is a FTHB |
| 6698634 | XXXXX | Borrower 1 FTHB | XXX | XXX | Per Final 1003 |
| 6698510 | XXXXX | Qualifying Interest Rate | XXX | XXX | Per Note |
| 6698639 | XXXXX | Borrower 1 FTHB | XXX | XXX | Per 1003 |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **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** |
| 6698517 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698517 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698517 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6539506 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/26/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.76% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.76% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6539506 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/26/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.76% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.76% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6539506 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/26/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.76% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.76% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6573380 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.73% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.73% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6573380 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.73% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.73% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6573380 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.73% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.73% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6573393 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE2501 | Credit | Personal Guaranty Agreement Incomplete | Personal Guaranty Incomplete. Personal Guaranty not signed by B1, B2. Only B3 signed. | Document Uploaded. | 11/17/2025 | Documentation is sufficient. Personal Guarantee provided. Exception resolved.; Personal Guaranty provided. | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6573393 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Missing Business Purpose Affidavit/Disclosure signed at closing for B1, B2. | Document Uploaded. | 11/17/2025 | Documentation is sufficient. Business Purpose document provided. Exception resolved.; Business Purpose Affidavit/Disclosure Provided | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6573393 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Verification of Rent for B3 does not reflect a landlord name or address in Box XXX It reflects to whom it may concern. Name and address of the landlord should be present in Box XXX | Document Uploaded. | 11/07/2025 | Documentation is sufficient. VOR provided. Exception resolved.; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6573393 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6573393 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6573325 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Acknowledged | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing acceptable verification and documentation of receipt of the Other Income listed on the Final 1003/XXX $XXX/m. | Document Uploaded. | 10/27/2025 | The DTI exceeded the guideline maximum of XXX% However, a credit exception was granted for the DTI citing compensating factors of significant residual income, mortgage history paid on time for over XXX months, and excessive reserves. Acknowledged and downgraded.; Income and Employment Meet Guidelines | 10/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6573325 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6573325 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6573301 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCRE1325 | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing CPA letters do not State that they are not related to the borrowers, and are not associated with the borrowers or the borrowers business. Needed for both businesses, XXX, and XXX. Required per lender guidelines. | Document Uploaded. | 10/29/2025 | Documentation is sufficient. CPA letters provided. Exception resolved.; Borrower 1 CPA Letter Provided | 10/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6573301 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCRE2501 | Credit | Personal Guaranty Agreement Incomplete | Personal Guaranty Incomplete. Missing notary acknowledgement for all XXX borrowers. | Document Uploaded. | 10/27/2025 | Documentation is sufficient. Notarized Agreement provided. Exception resolved.; Personal Guaranty provided. | 10/28/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6573301 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | rescind | 10/27/2025 | Informational | 10/27/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6573301 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | rescind | 10/27/2025 | Informational | 10/27/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6573287 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/27/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.79% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.79% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6573287 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/27/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.79% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.79% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6573287 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/27/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.79% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.79% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6573464 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6573464 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6573464 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6685431 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/03/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met |  |  | Informational | 11/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6685431 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6685431 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698522 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698522 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698522 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698524 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCRE1483 | Credit | Asset 5 Does Not Meet Guideline Requirements | Asset 5 Does Not Meet Guideline Requirements Missing evidence of receipt of gift funds of $XXX. | Document Uploaded. Gift funds came from XXX business accounts; Gift letter noted breakdown of how much from each account was gifted. There were XXX separate wires: $XXX and $XXX. Both were in file. UW noted in UW cover LOE: Business assets used. XXX is solely owned by XXX. XXX is owned XXX% by Bwr and XXX% by spouse (XXX). Credited Bwr with XXX% of business assets. Spouse gifted Bwr funds from business accounts w/XXX #XXX and XXX #XXX.. \*\* Since Bwr and nonborrowing spouse own XXX%; Gift letter was for $ XXX If receipts are added up $XXX + XXX = XXX and its diivded in half = XXX | 11/12/2025 | Documentation is sufficient. Explanation is acceptable. Exception resolved.; Asset 5 Meets Guideline Requirements Or XXX | 11/14/2025 | 11/14/2025 |
| 6698524 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX - no evidence of closing instructions to utilize in lieu of updated Title Policy. | Document Uploaded. | 11/13/2025 | Documentation is sufficient. Updated policy provided. Exception resolved.; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX | 11/14/2025 | 11/14/2025 B |
| 6698524 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | 11/11/2025 |
| 6698524 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | 11/11/2025 |
| 6660507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Rescinded | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines P&L Statement, XXX, reflects effective dates of, XXX-XXX, a period of XX/XX/XXXX months. Guidelines require the most recent XXX month period, not exceeding more than XXX days old prior to the Note date, XXX. A P&L Statement for the most recent XXX month period, XXX-XXX, is required. Additional conditions may apply. | This condition does not make sense. you want XXX-XXX? for one day? Loan application was XXX- I think this is an overreach. | 11/17/2025 | Documentation is sufficient. P & L in file is acceptable. Exception rescinded.; Income and Employment Meet Guidelines | 11/18/2025 | 11/18/2025 |
| 6660507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.89% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.89% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6660507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.89% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.89% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6660558 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing An executed Borrower Certification of Business Purpose is missing from the loan file. | Document Uploaded. | 11/18/2025 | Documentation is sufficient. Business Purpose document provided. Exception resolved.; Business Purpose Affidavit/Disclosure Provided | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 6660558 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 6660558 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 6698530 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698530 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698530 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698532 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698532 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698532 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698536 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | No Compliance Findings The loan is in compliance with all applicable laws and regulations. |  |  | informational | 11/20/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 6698536 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | informational | 11/20/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 6698536 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | informational | 11/20/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 6698537 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/19/2025 | Resolved | FCRE1164 | Credit | Flood Insurance Policy Missing | Missing Flood Insurance Policy Flood Insurance Policy is missing from the loan file - Based on the flood cert the subject is in flood zone AE. It appears the lender was able to verify property is no longer in a flood zone, however documentation is required to prove property is no longer in a flood zone. Missing documentation verifying the structure is no longer in a flood zone with either a completed land survey and/or an updated flood cert to reflect the subject is not in a flood zone. | Yes Flood Zone - AE + Notes about flood area \*\*\* Flood cert reflects the subject being in a Flood Zone. The FEMA flood map reflects that the line of demarcation runs along the adjoining beach and over/across the attached deck but not over the actual home. Applying FNMA guidance that the non-residential structure is affixed to the subject's "land" and not the actual structure of the home, not requiring Flood Insurance for either the home or deck | 11/21/2025 | Documentation is sufficient. Explanation provided. Exception resolved.; Flood Insurance Policy is fully present | 01/09/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 18.43% is less than Guideline CLTV of 60% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 18.43% is less than Guideline LTV of 60% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 6698537 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | informational | 11/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 18.43% is less than Guideline CLTV of 60% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 18.43% is less than Guideline LTV of 60% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 6698537 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | informational | 11/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 18.43% is less than Guideline CLTV of 60% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 18.43% is less than Guideline LTV of 60% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 6698541 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/20/2025 | Resolved | FCOM1227 | Credit | PUD Rider is Missing | PUD Rider is Missing Missing Planned Unit Development Rider - Appraisal report indicates the subject is located in a PUD. | Document Uploaded. Corrected, recorded mortgage | 12/09/2025 | Documentation is sufficient. PUD Rider provided. Exception resolved.; The PUD Rider is Present or is XXX (XXX is PUD) | 12/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698541 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/20/2025 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing the final XXX with final updated housing/dti ratios to complete the audit. Missing Approval/Underwriting Summary. | Document Uploaded. | 11/21/2025 | Documentation is sufficient. XXX provided. Exception resolved.; Approval/Underwriting Summary is fully present | 12/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698541 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698541 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/21/2025 | 11/21/2025 |
| 6698525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/21/2025 | 11/21/2025 |
| 6698525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/21/2025 | 11/21/2025 |
| 6698533 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/21/2025 | Rescinded | FPRO3678 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Appraisals reflect XXX old houses on the subject property lot. Per lender guidelines, ineligible properties: Multiple dwellings on a single lot (legal ADUs permitted) are ineligible. | per the client: The dwellings are uninhabitable old buildings that aren't considered in value and the appraiser noted that aren't considered accessory units. Based on the appraisal and appraiser comments | 11/25/2025 | Rescinded; properties are inhabitable. ; The issue with the property has been resolved. | 11/25/2025 | 11/25/2025 |
| 6698533 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698533 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698542 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698542 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698542 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698547 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698547 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698547 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698515 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/08/2025 | Rescinded | FCRE1479 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Missing Trust Certificate for the XXX and XXX Family Trust - XXX account #XXX is held in XXX and XXX Family Trust. | Both borrowers are trustees, listed on the bank Statement; this is not necessary. | 12/09/2025 | Documentation is sufficient. Assets are XXX. Exception rescinded.; Asset Record XXX Meets G/L Requirements | 12/10/2025 | 12/10/2025 |
| 6698515 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | informational | 12/08/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.96% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.96% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698515 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | informational | 12/08/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.96% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.96% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698516 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/05/2025 | Resolved | FCOM3608 | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required: intent to proceed | Document Uploaded. | 12/10/2025 | Proof of Intent to Proceed has been provided. | 12/10/2025 | 12/10/2025 B |
| 6698516 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | informational | 12/08/2025 | 12/08/2025 B |
| 6698514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/09/2025 | Resolved | FCRE1442 | Credit | Asset 1 Expired | Asset 1 Expired. Missing current bank Statement for XXX account #XXX. Last Statement received ended XX/XX/XXXX. | Document Uploaded. Removed this acct and used XXX #XXX & XXX Cashout and XXX assets sufficient to cover reserves | 12/12/2025 | Documentation is sufficient. Used other assets, which are acceptable. Exception resolved.; Asset 1 Not Expired; Asset 1 Expired. | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.32% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.32% is less than Guideline LTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | informational | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.32% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.32% is less than Guideline LTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | informational | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.32% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.32% is less than Guideline LTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698568 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/12/2025 | Resolved | FCRE9814 | Credit | Missing Trust Agreement | Missing Trust Agreement Missing fully executed Trust Certificate. | Document Uploaded. | 12/15/2025 | Documentation is sufficient. Trust cert provided. Exception resolved.; Trust Agreement Meets Guideline Requirements | 12/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698568 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698568 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698498 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698498 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698498 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.45% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 51.45% is less than Guideline LTV of 75% A |
| 6698520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.45% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 51.45% is less than Guideline LTV of 75% A |
| 6698520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.45% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 51.45% is less than Guideline LTV of 75% A |
| 6698531 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCRE1180 | Credit | HO-6 Insurance Policy is Missing | HO-6 Insurance Policy is Missing HO-6 in file is missing annual amount from policy. | Document Uploaded. | 12/23/2025 | Documentation is sufficient. H06 policy provided. Exception resolved.; HO-6 Insurance Policy is fully present | 12/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698531 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/22/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698531 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/22/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Acknowledged | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Guidelines require account Statements covering the most recent XXX day period, with a XXX day grace period at the beginning of the month to ensure prior month's Statement availability. XXX, #XXX, bank Statement period is, XXX-XXX. Note date is, XXX. Income calculation using bank Statements covering the period of XXX thru XXX is required. | Document Uploaded. ; This does not make sense. Please clarify why you need XXX thru XXX | 12/30/2025 | XXX months bank Statements using current bank Statements required by guidelines. The latest bank Statement is dated XX/XX/XXXX, being dated XXX days older than allowable. However, a credit exception was approved to allow Statements dated through XX/XX/XXXX, citing compensating factors of a clean credit history, XXX months clean housing history, significant residual income, excessive reserves, approx. XXX months, and Qualifying FICO is greater than guideline minimum by XXX points. Acknowledged and downgraded.; We should have the bank Statement ending XX/XX/XXXX. Exception remains. | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 6698539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 6698539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 6698543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing evidence the XX/XX/XXXX mortgage payment was paid on time. Verification of mortgage with XXX #XXX reflects due for XX/XX/XXXX payment and activity Statement in file reflects the payment made on XX/XX/XXXX was returned NSF. | Document Uploaded. | 01/02/2026 | Documentation is sufficient. VOM provided. Exception resolved.; Housing History Meets Guideline Requirements | 01/05/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided Hazard is in the name of XXX. Loan did not close in an LLC, it closed in borrowers name. | Document Uploaded. | 12/29/2025 | Documentation is sufficient. Updated policy provided. Exception resolved.; Hazard Insurance Policy is fully present | 12/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698544 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Non-borrowing spouse did not sign the Deed of Trust. Required per lender final approval. | Document Uploaded. Not a primary homestead, not required. | 12/23/2025 | Documentation is sufficient. Updated approval provided. Exception resolved.; Property Title Issue Resolved | 12/24/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698544 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Rescinded | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines P&L is expired. Ending date on P&L is XX/XX/XXXX vs note date XX/XX/XXXX. Per lender guidelines the P&L must be dated within XXX days of the note. | This is not in the spirit of the guides. Also XXX days from XX/XX/XXXX would be XXX. Please rescind. | 12/23/2025 | Documentation is sufficient. P & L acceptable. Exception rescinded. | 12/24/2025 | 12/24/2025 |
| 6698544 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698544 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698549 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.48% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.48% is less than Guideline CLTV of 85% A |
| 6698549 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.48% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.48% is less than Guideline CLTV of 85% A |
| 6698549 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.48% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.48% is less than Guideline CLTV of 85% A |
| 6698553 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Rescinded | FCRE3000 | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines Not valid. LM update, box for rental experience not on page. Rental experience meets G/L. | HI! What are you looking for on this one? Please clarify or rescind. | 12/23/2025 | Documentation is sufficient. Experience not required. Exception rescinded.; Borrower Rental Experience Within Guidelines | 12/24/2025 | 12/24/2025 |
| 6698553 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/22/2025 | 12/22/2025 |
| 6698553 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/22/2025 | 12/22/2025 |
| 6698559 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing An executed Borrower Certification of Business Purpose is missing from the loan file. | Document Uploaded. | 12/23/2025 | Documentation is sufficient. Business Purpose document provided. Exception resolved.; Business Purpose Affidavit/Disclosure Provided | 12/24/2025 | 12/24/2025 D |
| 6698559 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided Documentation of the Hazard Policy premium from the Agent or Insurer is missing from the loan file. | Document Uploaded. | 12/23/2025 | Documentation is sufficient. Hazard policy provided. Exception resolved.; Hazard Insurance Policy is fully present | 12/24/2025 | 12/24/2025 D |
| 6698559 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/22/2025 | 12/22/2025 D |
| 6698559 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/22/2025 | 12/22/2025 D |
| 6698563 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.54% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.54% is less than Guideline CLTV of 80% A |
| 6698563 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.54% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.54% is less than Guideline CLTV of 80% A |
| 6698563 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.54% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.54% is less than Guideline CLTV of 80% A |
| 6698566 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Missing Deed transferring the subject property from the borrower to XXX as loan closed in an LLC. | Document Uploaded. | 01/05/2026 | Documentation is sufficient. Quitclaim Deed provided. Exception resolved.; Property Title Issue Resolved | 01/06/2026 | 01/06/2026 D |
| 6698566 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Missing LLC Rider, only page XXX is in file. Required per lender guidelines as loan closed in LLC. | Document Uploaded. | 12/24/2025 | Documentation is sufficient. Rider provided. Exception resolved.; The Deed of Trust is Present and Complete | 12/26/2025 | 12/26/2025 D |
| 6698566 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/22/2025 | 12/22/2025 D |
| 6698566 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/22/2025 | 12/22/2025 D |
| 6698570 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% A |
| 6698570 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% A |
| 6698570 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% A |
| 6698574 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698574 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698574 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698581 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698581 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698581 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | 12/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698583 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCOM4438 | Compliance | Final CD: Closing Date is missing or inaccurate | Missing pages of the final Closing Disclosure. Provide all pages of the final CD. | Document Uploaded. ; Hi, please sned this back to me. Uploaded the wrong thing. ; Document Uploaded. | 12/30/2025 | ; | 12/31/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698583 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698583 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698583 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698584 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/22/2025 | 12/22/2025 |
| 6698584 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/22/2025 | 12/22/2025 |
| 6698584 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/22/2025 | 12/22/2025 |
| 6698587 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698587 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698587 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698602 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.94% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.94% is less than Guideline LTV of 85% A |
| 6698602 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.94% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.94% is less than Guideline LTV of 85% A |
| 6698602 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.94% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.94% is less than Guideline LTV of 85% A |
| 6698605 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698605 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698605 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698606 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing | Document Uploaded. | 12/29/2025 | Documentation is sufficient. Business Search provided. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 12/30/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698606 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698606 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698616 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698616 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698616 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698618 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698618 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698618 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698625 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698625 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698625 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698493 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/24/2025 | 12/24/2025 |
| 6698493 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/24/2025 | 12/24/2025 |
| 6698493 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/24/2025 | 12/24/2025 |
| 6698497 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Rescinded | FCRE1248 | Credit | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction Lender allows Non-arms length transactions that meet guideline. | rescind, please | 12/24/2025 | Documentation is sufficient. Transaction acceptable. Exception rescinded.; Purchase is considered to be an Arm's Length Transaction, or XXX | 12/26/2025 | 12/26/2025 |
| 6698497 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| 6698497 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| 6698499 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.2% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.2% is less than Guideline CLTV of 75% A |
| 6698499 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.2% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.2% is less than Guideline CLTV of 75% A |
| 6698499 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.2% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.2% is less than Guideline CLTV of 75% A |
| 6698500 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.96% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.96% is less than Guideline CLTV of 80% A |
| 6698500 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.96% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.96% is less than Guideline CLTV of 80% A |
| 6698500 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.96% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.96% is less than Guideline CLTV of 80% A |
| 6698503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Missing Borrowing Certificate (Exhibit F for Single Member or Exhibit G for Multiple Members). Required per lender guidelines as closed in LLC. | Document Uploaded. | 12/24/2025 | Documentation is sufficient. Business Purpose document provided. Exception resolved.; Business Purpose Affidavit/Disclosure Provided | 12/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% D A |
| 6698503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% D A |
| 6698503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% D A |
| 6698506 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage - requires XXX months rent loss coverage. | Document Uploaded. | 12/30/2025 | Documentation is sufficient. Rent loss coverage in effect. Exception resolved.; Rent Loss Coverage Present | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6698506 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Rescinded | FCRE1248 | Credit | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction Lender allows non-arms length transactions meeting lender requirements. | please rescind | 12/24/2025 | Documentation is sufficient. Transaction acceptable. Exception rescinded.; Purchase is considered to be an Arm's Length Transaction, or XXX | 12/26/2025 | 12/26/2025 D |
| 6698506 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6698506 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6698567 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698567 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698567 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698569 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | 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. Provide HOI renewal or previous HOI insurance policy. | Document Uploaded. | 12/24/2025 | Documentation is sufficient. Policy provided. 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. | 12/26/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698569 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698569 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698582 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/23/2025 | 12/23/2025 |
| 6698582 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/23/2025 | 12/23/2025 |
| 6698582 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/23/2025 | 12/23/2025 |
| 6698585 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FPRO1137 | Property | The appraiser was not licensed (Primary Value) | Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date | Document Uploaded. Status is active, expired XX/XX/XXXX | 12/24/2025 | Documentation is sufficient. Appraiser active at time of appraisal. Exception resolved.; Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided | 12/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698585 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698585 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698588 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/23/2025 | 12/23/2025 |
| 6698588 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/23/2025 | 12/23/2025 |
| 6698588 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/23/2025 | 12/23/2025 |
| 6698589 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCOM1207 | Compliance | The Note is Not Executed | The Note is Not Executed | Document Uploaded. | 01/06/2026 | Documentation is sufficient. Updated Note provided. Exception resolved.; The Note is Executed | 01/07/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 6698589 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 6698589 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 6698589 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 6698595 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FCRE2500 | Credit | Missing Personal Guaranty | Missing Personal Guaranty. Executed Notary acknowledgement is missing for the Personal Guaranty. | Document Uploaded. | 12/29/2025 | Documentation is sufficient. Updated Guaranty provided. Exception resolved.; Personal Guaranty provided. | 12/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.31% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.31% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6698595 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.31% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.31% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6698595 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.31% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.31% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6698597 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCOM3592 | Credit | Missing Taxpayer First Act Disclosure | Taxpayer First Act Disclosure is missing. | Document Uploaded. | 01/05/2026 | Documentation is sufficient. Tax Act disclosure provided. Exception resolved.; Taxpayer First Act Disclosure is provided | 01/06/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698597 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: ADU box not checked but appraiser comments State there is attached ADU on pg XXX of the appraisal. Appraiser to confirm if there is an ADU, and if so update the appraisal to conform to lender guidelines for a property with an ADU. If not an ADU appraiser to add comments why it is not an ADU. From the photos on the appraisal, it appears the garage was converted but audit is unable to determine if it meets the definition of an ADU or if this is what he was commenting on as it appears to be an unattached garage/ADU, not attached. Appraiser to provide clarification. | Document Uploaded. | 01/02/2026 | Documentation is sufficient. Updated appraisal provided. Exception resolved.; Property/Appraisal Meets Guidelines | 01/05/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698597 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698597 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698599 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing | Document Uploaded. | 01/09/2026 | Documentation provided is sufficient. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 01/12/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698599 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Page XXX of The Deed of Trust is Missing from the loan file. | Document Uploaded. | 12/24/2025 | Documentation is sufficient. Deed of Trust provided. Exception resolved.; The Deed of Trust is Present and Complete | 12/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698599 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698603 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing documentation supporting the XXX for the tax preparer is active - lender to provide screen print to verify PTIN for tax preparer is active. | Document Uploaded. | 12/29/2025 | Documentation is sufficient. IRS verification document provided. Exception resolved.; Income and Employment Meet Guidelines | 12/30/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.54% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 37.54% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698603 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.54% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 37.54% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698603 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.54% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 37.54% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698607 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% A |
| 6698607 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% A |
| 6698607 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% A |
| 6698613 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCRE9068 | Credit | Borrower does not meet residual income requirement | Residual income of XXX does not meet guideline minimum of XXX | Document Uploaded. | 12/30/2025 | Documentation is sufficient. Explanation is acceptable. Exception resolved.; Residual Income meets guideline minimum. | 12/31/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698613 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Audit was unable to use the deposits transferred from the business bank account to her personal bank accounts. Per lender guidelines transfers from other bank or asset accounts are to be excluded. Audit monthly income is $XXX. | Document Uploaded. | 12/30/2025 | Documentation is sufficient. Explanation provided acceptable. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | 12/31/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698613 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Rescinded | FCRE9785 | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Missing sales contract addendum for XXX seller credit. | Purchase Contract does State that seller will pay an amt not to exceed XXX in Section XXX A(c) which can be found on page XXX of the contract | 12/29/2025 | Documentation is sufficient. Contract in file is XXX. Exception rescinded.; Purchase Contract Doc is complete. | 12/30/2025 | 12/30/2025 |
| 6698613 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698613 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698636 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 12/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698636 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698636 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/24/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6698495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/24/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6698495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/24/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6698508 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698508 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698508 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. The initial CD in file is not signed and there is no documentation to confirm the date of receipt. Using the mailbox rule, the borrower did not receive the CD at least XXX days prior to consummation | Document Uploaded. | 12/24/2025 | initial CD receipt date provided; exception resolved; initial CD receipt date provided; exception resolved | 12/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 55% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 55% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 55% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698556 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.72% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.72% is less than Guideline CLTV of 85% A |
| 6698556 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.72% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.72% is less than Guideline CLTV of 85% A |
| 6698556 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.72% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.72% is less than Guideline CLTV of 85% A |
| 6698561 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.99% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.99% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698561 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.99% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.99% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698561 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.99% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.99% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698564 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/24/2025 | 12/24/2025 |
| 6698564 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/24/2025 | 12/24/2025 |
| 6698564 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/24/2025 | 12/24/2025 |
| 6698565 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/24/2025 | 12/24/2025 |
| 6698565 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/24/2025 | 12/24/2025 |
| 6698565 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/24/2025 | 12/24/2025 |
| 6698571 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | 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. gap letter | 01/14/2026 | Documentation is sufficient. Gap letter provided. 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. | 01/15/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| 6698571 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| 6698571 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| 6698572 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698572 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698572 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698573 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698573 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698573 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698575 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FCRE1482 | Credit | Asset 4 Does Not Meet Guideline Requirements | Asset 4 Does Not Meet Guideline Requirements Missing documentation verifying Title company received XXX gift. Gift letter Stated the funds to be wired to Title company. | Document Uploaded. | 01/05/2026 | Documentation is sufficient. Explanation provided, assets are acceptable. Exception resolved.; Asset 4 Meets Guideline Requirements Or XXX | 01/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698575 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698578 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698578 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698578 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698580 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/24/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.95% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.95% is less than Guideline LTV of 75% A |
| 6698580 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/24/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.95% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.95% is less than Guideline LTV of 75% A |
| 6698580 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/24/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.95% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.95% is less than Guideline LTV of 75% A |
| 6698611 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/24/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 90% A |
| 6698611 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/24/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 90% A |
| 6698611 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/24/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 90% A |
| 6698620 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.37% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.37% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698620 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.37% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.37% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698620 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.37% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.37% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698637 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FCRE1241 | Credit | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing | Document Uploaded. | 12/24/2025 | Documentation is sufficient. Purchase Contract provided. Exception resolved.; Purchase Contract Doc is not Missing, or is XXX. | 12/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6698637 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6698637 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6698638 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.26% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.26% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698638 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.26% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.26% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698638 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.26% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.26% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698513 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Acknowledged | FCRE1441 | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Credit report reflects disputed tradeline in the past XXX months that is reporting a XXX and lender did not provide credit supplement removing the dispute to report accurate payment history or removing the dispute and re-pulling credit. However lender approved exception allowing the loan to proceed with the disputed tradeline reporting a late in the past XXX months. The lender identified the following compensating factors low dti and significant residual income. | Exception stands on this loan - do you need anything further? | 12/29/2025 | Credit history shows a delinquent within the previous XXX months, which is against guidelines. However, a credit exception was approved for the delinquent credit, citing compensating factors of XXX credit history/minimal use of consumer credit, no discretionary debt, minimal to no payment shock, low DTI, significant residual income and excessive reserves. Acknowledged and downgraded. ; Delinquent Credit History Meets Guideline Requirements | 12/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698513 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698513 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698534 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/26/2025 | 12/26/2025 |
| 6698534 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/26/2025 | 12/26/2025 |
| 6698534 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/26/2025 | 12/26/2025 |
| 6698546 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/26/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 17.3% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 17.3% is less than Guideline CLTV of 80% A |
| 6698546 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/26/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 17.3% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 17.3% is less than Guideline CLTV of 80% A |
| 6698546 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/26/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 17.3% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 17.3% is less than Guideline CLTV of 80% A |
| 6698551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.87% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.87% is less than Guideline CLTV of 85% A |
| 6698551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.87% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.87% is less than Guideline CLTV of 85% A |
| 6698551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.87% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.87% is less than Guideline CLTV of 85% A |
| 6698555 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.62% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.81% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - DTi updated calc is at XXX% therefore this is no longer a comp factor and why it reflects resolved. \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698555 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.62% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.81% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - DTi updated calc is at XXX% therefore this is no longer a comp factor and why it reflects resolved. \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698555 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.62% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.81% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - DTi updated calc is at XXX% therefore this is no longer a comp factor and why it reflects resolved. \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698558 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines CPA letter needs to State that they are not related to the borrower. Required per lender guidelines. | Document Uploaded. | 12/31/2025 | Documentation is sufficient. Updated CPA letter provided. Exception resolved.; Income and Employment Meet Guidelines | 01/02/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 6698558 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/26/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 6698558 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/26/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 6698579 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/26/2025 | 12/26/2025 |
| 6698579 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/26/2025 | 12/26/2025 |
| 6698590 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/26/2025 | 12/26/2025 |
| 6698590 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/26/2025 | 12/26/2025 |
| 6698590 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/26/2025 | 12/26/2025 |
| 6698592 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing Preliminary Title Commitment or Final Title Policy is missing from the loan file. | Document Uploaded. | 12/29/2025 | Documentation is sufficient. Title Commitment provided. Exception resolved.; Title Document is fully Present | 12/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.81% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.81% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698592 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FCRE1253 | Credit | Missing Property Tax Cert | Missing Property Tax Cert | Document Uploaded. | 12/29/2025 | Documentation is sufficient. Tax Cert provided. Exception resolved.; Property Tax Cert Provided | 12/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.81% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.81% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698592 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.81% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.81% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698592 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.81% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.81% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698594 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FCRE1964 | Credit | Missing income documentation | Lender to provide verification of Other Income in the amount of XXX per month, which was reflected on the Final 1003 and Uniform Underwriting and Transmittal Summary (XXX). Subject to requalification. | Document Uploaded. | 12/30/2025 | Documentation is sufficient. Updated 1008 and 1003 provided. Exception resolved. | 12/31/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.78% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.78% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698594 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.78% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.78% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698594 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.78% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.78% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698601 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/26/2025 | 12/26/2025 |
| 6698601 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/26/2025 | 12/26/2025 |
| 6698601 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/26/2025 | 12/26/2025 |
| 6698609 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/26/2025 | 12/26/2025 |
| 6698609 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/26/2025 | 12/26/2025 |
| 6698609 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/26/2025 | 12/26/2025 |
| 6698612 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/26/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% A |
| 6698612 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/26/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% A |
| 6698612 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/26/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% A |
| 6698624 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.67% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.67% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698624 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.67% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.67% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698624 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.67% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.67% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698635 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/26/2025 | 12/26/2025 |
| 6698635 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/26/2025 | 12/26/2025 |
| 6698635 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/26/2025 | 12/26/2025 |
| 6698512 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | Missing Lease Agreements for the investment property located on XXX in XXX. Lease Agreements for XXX totaled gross rent of XXX per month and the Lender used gross rental income of XXX per month. Subject to requalification. | Document Uploaded. I adjusted the Rental Income to XXX and it still works in the DTI. Attached is the updated XXX/1003 | 12/30/2025 | Documentation is sufficient. 1008 and 1003 provided. Exception resolved. | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.03% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.03% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 6698512 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | informational | 12/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.03% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.03% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 6698512 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | informational | 12/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.03% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.03% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 6698523 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | informational | 12/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698523 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | informational | 12/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698523 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met |  |  | informational | 12/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698529 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/29/2025 | Resolved | FCRE3599 | Credit | Borrower owns more financed properties than allowed per guidelines | Missing verification of properties associated with the mortgages listed on the application and credit report which shows XXX open mortgages - Guideline indicates maximum XXX financed properties including the subject property. | Document Uploaded. | 12/31/2025 | Documentation is sufficient. Explanation is XXX. Exception resolved. | 01/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% D A |
| 6698529 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/29/2025 | Acknowledged | FCRE1151 | Credit | Satisfactory Chain of Title not Provided | Unsatisfactory Chain of Title provided Title vesting in reflects XXX which shows prior deed from XXX, dates XX/XX/XXXX with XXX as Trustee dated XX/XX/XXXX. Title Company not willing to divest interest from XXX. Guideline requires XXX months vesting in the LLC/XXX which borrower is majority XXX to count towards ownership requirement. Lender exception to vesting history in a corporation to be less than XXX months due to XXX credit history and excessive reserves. | rescind, please | 12/30/2025 | Guidelines require a XXX month period vesting in business name to count towards ownership requirement to divest from a corporation. However, a credit exception was approved to allow the vesting history, citing compensating factors of an XXX history/minimal use of credit and excessive reserves. Acknowledged and downgraded.; Satisfactory Chain of Title has been provided | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% D A |
| 6698529 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/29/2025 | Resolved | FCRE1321 | Credit | Missing XXX opinion letter/trust review documentation | Missing the trust docs/certification for Trust No XXX, dated XXX, XXX XXX., as Trustee. | Document Uploaded. | 12/30/2025 | Documentation is sufficient. Prelim Supplement and bylaws provided. Exception resolved. | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% D A |
| 6698529 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | informational | 12/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% D A |
| 6698529 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | informational | 12/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% D A |
| 6698552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.83% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.83% is less than Guideline LTV of 75% A |
| 6698552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.83% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.83% is less than Guideline LTV of 75% A |
| 6698552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.83% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.83% is less than Guideline LTV of 75% A |
| 6698562 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.37% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.37% is less than Guideline LTV of 75% A |
| 6698562 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.37% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.37% is less than Guideline LTV of 75% A |
| 6698562 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.37% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.37% is less than Guideline LTV of 75% A |
| 6698596 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.17% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.17% is less than Guideline CLTV of 75% A |
| 6698596 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.17% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.17% is less than Guideline CLTV of 75% A |
| 6698596 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.17% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.17% is less than Guideline CLTV of 75% A |
| 6698619 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/29/2025 | Resolved | FCRE5770 | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Missing Credit Report for Borrower. | Document Uploaded. | 12/30/2025 | Documentation is sufficient. Credit report provided. Exception resolved.; Borrower 1 Credit Report is not missing. | 12/31/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698619 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698619 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698622 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | informational | 12/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 6698622 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | informational | 12/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 6698622 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | informational | 12/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 6698626 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of Monthly Insurance, Taxes Association Dues in the amount of $XXX/m for the property at XXX - Final 1003 shows additional itia in the amount of $XXX/m for the property at XXX. Also provide evidence the property at XXX is in the wife's name with a copy of the current note or current mortgage Statement if to be added to the total debt ratio. | Document Uploaded. | 12/30/2025 | Documentation is sufficient. Mortgage and HOA Statement provided. Exception resolved. | 12/31/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698626 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/26/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698626 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/26/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698627 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | informational | 12/29/2025 | 12/29/2025 |
| 6698627 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | informational | 12/29/2025 | 12/29/2025 |
| 6698627 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | informational | 12/29/2025 | 12/29/2025 |
| 6698630 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCRE5770 | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Missing credit report for borrower. | Document Uploaded. | 12/30/2025 | Documentation is sufficient. Credit report provided. Exception resolved.; Borrower 1 Credit Report is not missing. | 12/31/2025 | 12/31/2025 D |
| 6698630 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | informational | 12/29/2025 | 12/29/2025 D |
| 6698630 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | informational | 12/29/2025 | 12/29/2025 D |
| 6698492 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 19.73% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 19.73% is less than Guideline LTV of 80% A |
| 6698492 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 19.73% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 19.73% is less than Guideline LTV of 80% A |
| 6698492 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 19.73% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 19.73% is less than Guideline LTV of 80% A |
| 6698494 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing trust agreement as asset used for asset depletion income is held in trust. | Document Uploaded. Trust Cert shows authority. Trust agreement is not necessary. | 01/02/2026 | Documentation is sufficient. Trustee Cert provided. Exception resolved.; Income and Employment Meet Guidelines | 01/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.92% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 36.92% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698494 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Subject property has an Accessory Dwelling Unit (ADU). Appraiser did not comment if property is Property is typical, readily acceptable, and common in the subject's market area; and that the property conforms to all zoning laws and regulations. Required per lender guidelines. | ALSO - ADU was not included in value. ; Document Uploaded. | 01/02/2026 | Documentation is sufficient. Explanation provided is acceptable. Exception resolved.; Property/Appraisal Meets Guidelines | 01/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.92% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 36.92% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698494 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/31/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.92% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 36.92% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698496 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/31/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698496 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/31/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698496 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/31/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698502 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698502 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698502 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698504 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.52% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.52% is less than Guideline LTV of 85% A |
| 6698504 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.52% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.52% is less than Guideline LTV of 85% A |
| 6698504 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.52% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.52% is less than Guideline LTV of 85% A |
| 6698521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/31/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6698521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/31/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6698521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/31/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6698526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698540 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Missing sufficient reserves to meet the reserve requirement XXX months pitia or XXX due to guidelines require to calculate business funds by the borrower's percentage of ownership in the business. Borrowers ownership in XXX is XXX% and XXX is XXX% reducing the business account assets that can be considered. | Document Uploaded. ; Document Uploaded. | 02/02/2026 | Documentation is sufficient. Letter granting access provided. Exception resolved.; Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Calculation on provided documents is incorrect. XXX x XXX% = XXX not $XXX. Exception remains. | 02/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698540 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Missing sufficient reserves to meet the reserve requirement XXX months pitia or XXX due to guidelines require to calculate business funds by the borrower's percentage of ownership in the business. Borrowers ownership in XXX is XXX% and XXX is XXX% reducing the business account assets that can be considered. | Document Uploaded. ; Document Uploaded. | 02/02/2026 | Documentation is sufficient. Letter granting access provided. Exception resolved.; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Calculation on provided documents is incorrect. XXX x XXX% = XXX not $XXX. Exception remains. | 02/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698540 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing evidence of HOA dues for the property at XXX XXX. Web search indicates potentially requires HOA dues. | Document Uploaded. | 01/02/2026 | Documentation is sufficient. Property profile provided. Exception resolved. | 01/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698540 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698540 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698554 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698554 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698554 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698557 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Lender to provide a Final 1003 with all required sections completed. The Demographics section for B2 is incomplete. | Document Uploaded. | 01/06/2026 | Documentation is sufficient. Updated 1003 provided. Exception resolved.; The Final 1003 is Present | 01/07/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6698557 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/31/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6698557 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/31/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6698560 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 6698560 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 6698560 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 6698576 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698576 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698576 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698577 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/31/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.36% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74.36% is less than Guideline LTV of 90% A |
| 6698577 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/31/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.36% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74.36% is less than Guideline LTV of 90% A |
| 6698577 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/31/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.36% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74.36% is less than Guideline LTV of 90% A |
| 6698586 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/31/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 26.32% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 26.32% is less than Guideline LTV of 75% A |
| 6698586 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/31/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 26.32% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 26.32% is less than Guideline LTV of 75% A |
| 6698586 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/31/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 26.32% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 26.32% is less than Guideline LTV of 75% A |
| 6698591 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/31/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.5% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 51.5% is less than Guideline LTV of 75% A |
| 6698591 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/31/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.5% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 51.5% is less than Guideline LTV of 75% A |
| 6698591 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/31/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.5% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 51.5% is less than Guideline LTV of 75% A |
| 6698593 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | finding-2962 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | 01/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698593 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | 01/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698593 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698593 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698598 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/02/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6698598 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/02/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6698598 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/02/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6698600 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/02/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.9% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.9% is less than Guideline LTV of 75% A |
| 6698600 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/02/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.9% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.9% is less than Guideline LTV of 75% A |
| 6698600 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/02/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.9% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.9% is less than Guideline LTV of 75% A |
| 6698604 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/02/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6698604 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/02/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6698604 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/02/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6698608 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Fraud alert is on the credit report. No fraud alert questionnaire was found in file to verify borrower applied for this loan. | Document Uploaded. | 01/06/2026 | Documentation is sufficient. Fraud Questionnaire provided. Exception resolved.; Borrower 1 Credit Report is not partially present. | 01/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698608 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCOM1208 | Credit | The Note is Incomplete | The Note is Incomplete Lender final approval reflects a XXX month prepayment vs note prepayment addendum reflects a XXX month prepayment penalty. | Document Uploaded. | 01/02/2026 | Documentation is sufficient. Updated Approval provided. Exception resolved.; The Note is Present | 01/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698608 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698608 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698610 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698610 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698610 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698615 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698615 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698615 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698617 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/02/2026 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 6698617 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/02/2026 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 6698617 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/02/2026 | Resolved | FCRE1241 | Credit | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing |  |  | Purchase Contract Doc is not Missing, or is XXX. | 01/02/2026 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 6698621 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.18% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70.18% is less than Guideline LTV of 90% A |
| 6698621 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.18% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70.18% is less than Guideline LTV of 90% A |
| 6698621 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.18% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70.18% is less than Guideline LTV of 90% A |
| 6698623 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Rescinded | FCRE1248 | Credit | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction Allowed. Borrower and Seller are related. Guidelines permit. No bail-out transaction. Subject property is free and clear. No Notice of Default reflected in Title Commitment. | Rescind | 01/02/2026 | Documentation is sufficient. Property free and clear. Not against guidelines. Exception rescinded.; Purchase is considered to be an Arm's Length Transaction, or XXX | 01/05/2026 | 01/05/2026 |
| 6698623 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 90% A |
| 6698623 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 90% A |
| 6698623 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 90% A |
| 6698629 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/02/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6698629 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/02/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6698629 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met |  |  | Informational | 01/02/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6698631 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698631 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698631 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/02/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698632 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/31/2025 | 12/31/2025 |
| 6698632 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/31/2025 | 12/31/2025 |
| 6698632 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/31/2025 | 12/31/2025 |
| 6698640 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing executed living rent free letter from the XXX of XXX that the borrower lived at from XX/XX/XXXX to XX/XX/XXXX. LOE in file is signed by the borrower, not the XXX of the property. Needed for most recent XXX month housing history. | Document Uploaded. | 01/07/2026 | Documentation is sufficient. Rent free letter provided. Exception resolved.; Housing History Meets Guideline Requirements | 01/08/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698640 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/02/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698640 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/02/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698641 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698641 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698505 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/02/2026 | 01/02/2026 |
| 6698505 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/02/2026 | 01/02/2026 |
| 6698505 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/02/2026 | 01/02/2026 |
| 6698509 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FCRE2007 | Credit | Loan Agreement Missing | Missing loan agreement as required per guidelines or as referenced in the loan file. Guidelines require a Limited Liability Company Borrowing Certificate, Exhibit G, for vesting in a LLC's name. The Limited Liability Company Borrowing Certificate for XXX is missing from the loan file. | Document Uploaded. | 01/07/2026 | Documentation is sufficient. Guaranty Agreement provided. Exception resolved.; Loan Agreement Present | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.25% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65.25% is less than Guideline LTV of 80% D A |
| 6698509 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.25% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65.25% is less than Guideline LTV of 80% D A |
| 6698509 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.25% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65.25% is less than Guideline LTV of 80% D A |
| 6698535 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/02/2026 | 01/02/2026 |
| 6698535 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/02/2026 | 01/02/2026 |
| 6698535 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/02/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/02/2026 | 01/02/2026 |
| 6698538 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Acknowledged | FCRE1199 | Credit | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited Loan Amount of XXX is greater than the Guideline Maximum Loan Amount of XXX Loan amount verified at XXX exceeds the Alt Doc Prime guideline maximum loan amount of XXX - Lender to address loan amount outside of guideline requirements. | Document Uploaded. | 01/06/2026 | The max loan amount per guidelines is $XXX. The subject loan amount is XXX exceeding guideline maximum. However, a credit exception was approved for the higher loan amount, citin compensating factors of an XXX credit history/minimal use of consumer credit, low DTI and excessive reserves. Acknowledged and downgraded. | 01/07/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698538 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698538 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6698633 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/02/2026 | Resolved | FCRE5770 | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Missing borrower credit report from loan file to complete the audit. | Document Uploaded. | 01/06/2026 | Documentation is sufficient. Credit report provided. Exception resolved.; Borrower 1 Credit Report is not missing. | 01/07/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% D A |
| 6698633 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/02/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% D A |
| 6698633 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% D A |
| 6698633 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/05/2026 | Resolved | FCRE1241 | Credit | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing |  |  | Purchase Contract Doc is not Missing, or is XXX. | 01/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% D A |
| 6698501 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/05/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | informational | 01/06/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.71% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.71% is less than Guideline LTV of 80% A |
| 6698501 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/05/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | informational | 01/06/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.71% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.71% is less than Guideline LTV of 80% A |
| 6698501 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/05/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | informational | 01/06/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.71% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.71% is less than Guideline LTV of 80% A |
| 6698634 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/05/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | informational | 01/06/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698634 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/05/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | informational | 01/06/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698634 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/05/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | informational | 01/06/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698614 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/05/2026 | Resolved | FCRE1326 | Credit | Borrower 1 YTD Profit & Loss Missing | Borrower 1 YTD Profit & Loss Missing Lender to provide a copy of the Borrower's current Profit and Loss Statement. Subject to requalification. | Document Uploaded. | 01/08/2026 | Documentation provided is sufficient. Exception resolved. ; Borrower 1 YTD Profit & Loss Provided | 01/12/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698614 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/05/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | informational | 01/07/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6698507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/06/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | informational | 01/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/06/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | informational | 01/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/06/2026 | 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 | 01/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/06/2026 | Rescinded | FCRE1248 | Credit | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction Sale is between business partners per appraisal. In accordance with XXX guidelines and XXX standards, this relationship has been clearly identified and considered in the appraisal analysis. See additional comments on appraisal. | Rescind or clarify, please. Thank you! | 01/08/2026 | ; Documentation is sufficient. Acceptable per guidelines. Exception resolved.; Purchase is considered to be an Arm's Length Transaction, or XXX | 01/09/2026 | 01/09/2026 |
| 6698510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/06/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | informational | 01/07/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | informational | 01/07/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698519 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/06/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | informational | 01/07/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698519 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/06/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | informational | 01/07/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698519 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | informational | 01/07/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698644 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/06/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | informational | 01/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% A |
| 6698644 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/06/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | informational | 01/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% A |
| 6698644 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | informational | 01/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% A |
| 6698548 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/07/2026 | Resolved | FCRE1345 | Credit | Borrower 1 Lease Agreements Missing | Borrower 1 Lease Agreements Missing Missing verification of rental income for other REO located at XXX. DTI subject to re-calculation upon receipt. | Document Uploaded. | 01/13/2026 | Documentation is sufficient. Lease Agreement provided. Exception resolved.; Borrower 1 Lease Agreements Provided | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 6698548 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 6698548 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 6698548 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/07/2026 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 79.23% exceeds Guideline LTV of 75% Lender approved exception granted to allow LTV to exceed maximum allowable per the guidelines of XXX% by XXX% as subject property is a rural property. The lender identified the following compensating factors is justify this approval; have minimal to no payment shock, significant residual income and excessive reserves. The Exception was downgraded to a Level 2/B. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 6698628 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/08/2026 | Resolved | FCRE1241 | Credit | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing | Document Uploaded. | 01/09/2026 | Documentation provided is sufficient. Exception resolved. ; Purchase Contract Doc is not Missing, or is XXX. | 01/12/2026 | 01/12/2026 D |
| 6698628 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/07/2026 | Resolved | FCRE5770 | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Borrower 1 Credit Report is Missing. | Document Uploaded. | 01/09/2026 | Documentation provided is sufficient. Exception resolved. ; Borrower 1 Credit Report is not missing. | 01/12/2026 | 01/12/2026 D |
| 6698628 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | 01/08/2026 D |
| 6698628 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/08/2026 | 01/08/2026 D |
| 6698639 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/08/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698639 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698639 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/08/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698642 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698642 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698642 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698643 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/07/2026 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing - The Business purpose Affidavit in the loan file is not signed or dated by the borrowers. | Document Uploaded. | 01/09/2026 | Documentation provided is sufficient. Exception resolved. ; Business Purpose Affidavit/Disclosure Provided | 01/30/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698643 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/08/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6698643 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 3**

---

| | | |
|:---|:---|:---|
| **Loan ID** | **Loan Number** | **Original Loan Amount** |
| 6698517 | XXXXX | $XXXXXX A |
| 6539506 | XXXXX | $XXXXXX A |
| 6573380 | XXXXX | $XXXXXX A |
| 6573393 | XXXXX | $XXXXXX D A |
| 6573325 | XXXXX | $XXXXXX C A B |
| 6573301 | XXXXX | $XXXXXX D A |
| 6573287 | XXXXX | $XXXXXX A |
| 6573464 | XXXXX | $XXXXXX A |
| 6685431 | XXXXX | $XXXXXX A |
| 6698522 | XXXXX | $XXXXXX A |
| 6698524 | XXXXX | $XXXXXX C A |
| 6660507 | XXXXX | $XXXXXX A |
| 6660558 | XXXXX | $XXXXXX D A |
| 6698530 | XXXXX | $XXXXXX A |
| 6698532 | XXXXX | $XXXXXX A |
| 6698536 | XXXXX | $XXXXXX A |
| 6698537 | XXXXX | $XXXXXX D A |
| 6698541 | XXXXX | $XXXXXX D A |
| 6698525 | XXXXX | $XXXXXX A |
| 6698533 | XXXXX | $XXXXXX A |
| 6698542 | XXXXX | $XXXXXX A |
| 6698547 | XXXXX | $XXXXXX A |
| 6698550 | XXXXX | $XXXXXX A |
| 6698515 | XXXXX | $XXXXXX A |
| 6698516 | XXXXX | $XXXXXX A B |
| 6698514 | XXXXX | $XXXXXX C A |
| 6698568 | XXXXX | $XXXXXX D A |
| 6698498 | XXXXX | $XXXXXX A |
| 6698520 | XXXXX | $XXXXXX A |
| 6698531 | XXXXX | $XXXXXX D A |
| 6698539 | XXXXX | $XXXXXX C A B |
| 6698543 | XXXXX | $XXXXXX D A |
| 6698544 | XXXXX | $XXXXXX C A |
| 6698549 | XXXXX | $XXXXXX A |
| 6698553 | XXXXX | $XXXXXX A |
| 6698559 | XXXXX | $XXXXXX D A |
| 6698563 | XXXXX | $XXXXXX A |
| 6698566 | XXXXX | $XXXXXX D A |
| 6698570 | XXXXX | $XXXXXX A |
| 6698574 | XXXXX | $XXXXXX A |
| 6698581 | XXXXX | $XXXXXX A |
| 6698583 | XXXXX | $XXXXXX A C |
| 6698584 | XXXXX | $XXXXXX A |
| 6698587 | XXXXX | $XXXXXX A |
| 6698602 | XXXXX | $XXXXXX A |
| 6698605 | XXXXX | $XXXXXX A |
| 6698606 | XXXXX | $XXXXXX D A |
| 6698616 | XXXXX | $XXXXXX A |
| 6698618 | XXXXX | $XXXXXX A |
| 6698625 | XXXXX | $XXXXXX A |
| 6698493 | XXXXX | $XXXXXX A |
| 6698497 | XXXXX | $XXXXXX A |
| 6698499 | XXXXX | $XXXXXX A |
| 6698500 | XXXXX | $XXXXXX A |
| 6698503 | XXXXX | $XXXXXX D A |
| 6698506 | XXXXX | $XXXXXX D A |
| 6698567 | XXXXX | $XXXXXX A |
| 6698569 | XXXXX | $XXXXXX C A |
| 6698582 | XXXXX | $XXXXXX A |
| 6698585 | XXXXX | $XXXXXX A C |
| 6698588 | XXXXX | $XXXXXX A |
| 6698589 | XXXXX | $XXXXXX A C |
| 6698595 | XXXXX | $XXXXXX D A |
| 6698597 | XXXXX | $XXXXXX B A C |
| 6698599 | XXXXX | $XXXXXX D A |
| 6698603 | XXXXX | $XXXXXX C A |
| 6698607 | XXXXX | $XXXXXX A |
| 6698613 | XXXXX | $XXXXXX C A |
| 6698636 | XXXXX | $XXXXXX A |
| 6698495 | XXXXX | $XXXXXX A |
| 6698508 | XXXXX | $XXXXXX A |
| 6698545 | XXXXX | $XXXXXX A C |
| 6698556 | XXXXX | $XXXXXX A |
| 6698561 | XXXXX | $XXXXXX A |
| 6698564 | XXXXX | $XXXXXX A |
| 6698565 | XXXXX | $XXXXXX A |
| 6698571 | XXXXX | $XXXXXX C A |
| 6698572 | XXXXX | $XXXXXX A |
| 6698573 | XXXXX | $XXXXXX A |
| 6698575 | XXXXX | $XXXXXX C A |
| 6698578 | XXXXX | $XXXXXX A |
| 6698580 | XXXXX | $XXXXXX A |
| 6698611 | XXXXX | $XXXXXX A |
| 6698620 | XXXXX | $XXXXXX A |
| 6698637 | XXXXX | $XXXXXX D A |
| 6698638 | XXXXX | $XXXXXX A |
| 6698511 | XXXXX | $XXXXXX A |
| 6698513 | XXXXX | $XXXXXX C A B |
| 6698534 | XXXXX | $XXXXXX A |
| 6698546 | XXXXX | $XXXXXX A |
| 6698551 | XXXXX | $XXXXXX A |
| 6698555 | XXXXX | $XXXXXX A |
| 6698558 | XXXXX | $XXXXXX C A |
| 6698579 | XXXXX | $XXXXXX A |
| 6698590 | XXXXX | $XXXXXX A |
| 6698592 | XXXXX | $XXXXXX D A |
| 6698594 | XXXXX | $XXXXXX D A |
| 6698601 | XXXXX | $XXXXXX A |
| 6698609 | XXXXX | $XXXXXX A |
| 6698612 | XXXXX | $XXXXXX A |
| 6698624 | XXXXX | $XXXXXX A |
| 6698635 | XXXXX | $XXXXXX A |
| 6698512 | XXXXX | $XXXXXX D A |
| 6698523 | XXXXX | $XXXXXX A |
| 6698529 | XXXXX | $XXXXXX D A B |
| 6698552 | XXXXX | $XXXXXX A |
| 6698562 | XXXXX | $XXXXXX A |
| 6698596 | XXXXX | $XXXXXX A |
| 6698619 | XXXXX | $XXXXXX D A |
| 6698622 | XXXXX | $XXXXXX A |
| 6698626 | XXXXX | $XXXXXX D A |
| 6698627 | XXXXX | $XXXXXX A |
| 6698630 | XXXXX | $XXXXXX D A |
| 6698492 | XXXXX | $XXXXXX A |
| 6698494 | XXXXX | $XXXXXX C A |
| 6698496 | XXXXX | $XXXXXX A |
| 6698502 | XXXXX | $XXXXXX A |
| 6698504 | XXXXX | $XXXXXX A |
| 6698521 | XXXXX | $XXXXXX A |
| 6698526 | XXXXX | $XXXXXX A |
| 6698540 | XXXXX | $XXXXXX D A |
| 6698554 | XXXXX | $XXXXXX A |
| 6698557 | XXXXX | $XXXXXX D A |
| 6698560 | XXXXX | $XXXXXX A |
| 6698576 | XXXXX | $XXXXXX A |
| 6698577 | XXXXX | $XXXXXX A |
| 6698586 | XXXXX | $XXXXXX A |
| 6698591 | XXXXX | $XXXXXX A |
| 6698593 | XXXXX | $XXXXXX A |
| 6698598 | XXXXX | $XXXXXX A |
| 6698600 | XXXXX | $XXXXXX A |
| 6698604 | XXXXX | $XXXXXX A |
| 6698608 | XXXXX | $XXXXXX D A |
| 6698610 | XXXXX | $XXXXXX A |
| 6698615 | XXXXX | $XXXXXX A |
| 6698617 | XXXXX | $XXXXXX D A |
| 6698621 | XXXXX | $XXXXXX A |
| 6698623 | XXXXX | $XXXXXX A |
| 6698629 | XXXXX | $XXXXXX A |
| 6698631 | XXXXX | $XXXXXX A |
| 6698632 | XXXXX | $XXXXXX A |
| 6698640 | XXXXX | $XXXXXX C A |
| 6698641 | XXXXX | $XXXXXX A |
| 6698505 | XXXXX | $XXXXXX A |
| 6698509 | XXXXX | $XXXXXX D A |
| 6698535 | XXXXX | $XXXXXX A |
| 6698538 | XXXXX | $XXXXXX C A B |
| 6698633 | XXXXX | $XXXXXX D A |
| 6698501 | XXXXX | $XXXXXX A |
| 6698634 | XXXXX | $XXXXXX A |
| 6698614 | XXXXX | $XXXXXX D A |
| 6698507 | XXXXX | $XXXXXX A |
| 6698510 | XXXXX | $XXXXXX A |
| 6698519 | XXXXX | $XXXXXX A |
| 6698644 | XXXXX | $XXXXXX A |
| 6698548 | XXXXX | $XXXXXX D A B |
| 6698628 | XXXXX | $XXXXXX D A |
| 6698639 | XXXXX | $XXXXXX A |
| 6698642 | XXXXX | $XXXXXX A |
| 6698643 | XXXXX | $XXXXXX D A |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 6698517 | 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 |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6539506 | 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 |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6573380 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 128 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |
| 6573393 | 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 | 5/1 or 5/6 Mos ARM |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 50.00 | 50.00 | Third-Party Prepared (Unaudited) | 12 | Yes | No | 144 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | Yes | XXX |  | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6573325 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 132 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6573301 | 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 IO |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 | 33.33 | Third-Party Prepared (Unaudited) | 12 | Yes | No | 36 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | Yes | XXX |  | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6573287 | 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 | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 49 | 2 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6573464 | 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 |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | Yes | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6685431 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 69 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 1 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698522 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698524 | 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 |  |  |  | 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 | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6660507 | XXXXX |  | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 50.00 |  | Audited | 12 | Yes | No | 84 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |
| 6660558 | 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 |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 141 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698530 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698532 | 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 |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698536 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698537 | 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 | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 00 | 0 |  | No | XXX |
| 6698541 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698525 | 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 | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698533 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 72 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698542 | 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 IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 50.00 |  | Borrower Prepared | 12 | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698547 | 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 |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698550 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698515 | 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 |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | Yes | 3 | Business | 100.00 |  |  |  | 100.00 | 50.00 | Third-Party Prepared (Unaudited) | 12 | Yes | No | 48 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 1 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 |  | No | XXX |
| 6698516 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  |  | 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 |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 | 50.00 | Audited | 12 | Yes | Yes | 558 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 3 | 0 | 0 |  | No | XXX |
| 6698514 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698568 | 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 | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 | 100.00 | Third-Party Prepared (Unaudited) | 12 | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698498 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | Yes | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698520 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |
| 6698531 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 50.00 |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |
| 6698539 | 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 |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  |  | 100.00 |  |  | Yes | No | 118 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |
| 6698543 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698544 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 39 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Basic | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698549 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | Yes | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698553 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698559 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | Yes | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698563 | 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 |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  | XXX | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698566 | 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 |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698570 | 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 |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 00 | XXX | No | XXX |
| 6698574 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 70 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  | XXX |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698581 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 4.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698583 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698584 | 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 |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698587 | 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 | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | Yes | No | 24 | No |  | 0 | 2 | No | 1 | 1 | 1 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698602 | 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 |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698605 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698606 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 50.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698616 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698618 | 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 | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 60 | 2 | 2 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698625 | 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 |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | Yes | XXX |  | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |
| 6698493 | XXXXX |  | 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 |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698497 | 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 | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698499 | XXXXX |  | 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 | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698500 | XXXXX |  | 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 | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698503 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | 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 | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698506 | 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 |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | Yes | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698567 | 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 |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698569 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 96 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698582 | 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 |  |  | XXX |  |  |  |  |  |  | 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 | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698585 | 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 |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  | XXX | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698588 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698589 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Audited | 12 | Yes | No | 36 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698595 | 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 |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |
| 6698597 | 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 | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 24 | No |  | 0 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698599 | 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 |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698603 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 34 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 1 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698607 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698613 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | 20.00 |  |  |  | Yes | No | 156 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698636 | 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 |  |  |  | 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 | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698495 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Audited | 12 | Yes | No | 36 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698508 | 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 |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698545 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 253 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698556 | 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 |  |  | XXX |  |  |  |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698561 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698564 | 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 | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698565 | 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 | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698571 | 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 | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 240 | Yes | 70 | 0 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698572 | 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 |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698573 | 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 |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  | XXX | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698575 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | Yes | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698578 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698580 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698611 | 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 | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |
| 6698620 | 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 |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698637 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | Yes | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698638 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698511 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698513 | 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 | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 50.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 1 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698534 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | Yes | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698546 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Audited | 12 | Yes | No | 62 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698551 | 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 |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698555 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business and Personal | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | 192500 |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698558 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 174 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698579 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698590 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | Yes | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698592 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  |  |  |  |  | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698594 | 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 |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business and Personal | 100.00 |  |  |  | 100.00 | 100.00 |  |  | Yes | Yes | 72 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698601 | 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 |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | Yes | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698609 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | Yes |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698612 | 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 | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698624 | 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 |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  | XXX | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698635 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | Yes | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698512 | 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 |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 42 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698523 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 58 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698529 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698552 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |
| 6698562 | 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 |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698596 | 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 |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698619 | 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 |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  | XXX | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698622 | 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 |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | Yes | 1 | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  | XXX | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698626 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  |  | Yes | Yes | 121 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |
| 6698627 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | Yes |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698630 | 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 |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |
| 6698492 | 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 |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  | XXX | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698494 | 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 | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  | XXX | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698496 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Audited | 12 | Yes | No | 45 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698502 | 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 |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | Yes | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698504 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | Yes | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698521 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 176 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698526 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698540 | 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 |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 40.00 |  |  |  | Yes | Yes | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698554 | 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 | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698557 | 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 | XXX |  |  | W2/1099 Verified | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | Yes | XXX |  | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698560 | 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 | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  | XXX | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698576 | XXXXX |  | 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 |  |  |  | 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 | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698577 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 36 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 4.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698586 | 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 | 10/1 or 10/6 Mos ARM |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |
| 6698591 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698593 | 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 | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 197 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |
| 6698598 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 216 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698600 | 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 |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698604 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business and Personal | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 48 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698608 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 50.00 |  |  |  | Yes | Yes | 94 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | Yes | XXX |  | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698610 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 13 | Business | 100.00 |  |  |  | 50.00 |  |  |  | Yes | Yes | 238 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | Yes | XXX |  | Yes | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698615 | 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 |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698617 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business and Personal | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 134 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698621 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 60 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 4.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698623 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | 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 |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  | XXX | Yes | XXX |  | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698629 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 50.00 |  |  |  | Yes | Yes | 83 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698631 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698632 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698640 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business and Personal | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 48 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698641 | 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 | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698505 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 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 | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 6.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698509 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698535 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 |  |  |  | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX |  |  |  | XXX | No | XXX |
| 6698538 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 50.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698633 | 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 |  |  |  | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  | XXX | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698501 | 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 | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698634 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Audited | 12 | Yes | No | 21 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |
| 6698614 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 102 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698507 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 111 | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698510 | 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 | 10/1 or 10/6 Mos ARM |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 132 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | Yes | XXX |  | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698519 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 48 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698644 | 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 |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 50.00 |  |  |  | Yes | Yes | 156 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698548 | 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 | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 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 | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  | XXX | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698628 | 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 | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | Yes |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698639 | 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 | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 | 100.00 |  |  | Yes | Yes | 60 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698642 | 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 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 6698643 | 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 | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 60 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Loan Number** | **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** |
| 6698517 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6539506 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.76 | 61.76 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 6573380 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 68.73 | 68.73 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 6573393 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 6573325 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.97 | 66.97 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6573301 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.73 | 72.73 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 6573287 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.79 | 63.79 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 6573464 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 6685431 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85 | 85 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698522 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0179 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0179 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6698524 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 6660507 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 59.89 | 59.89 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660558 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.82 | 79.82 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6698530 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80 | 80 | $XXX | $XXX | -.0575 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0575 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6698532 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698536 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 6698537 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 18.43 | 18.43 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0091 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX | $XXX | 0.90% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6698541 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.99 | 79.99 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Excellent | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 6698525 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.23 | 69.23 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 6698533 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | .0714 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX | $XXX | 7.14% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 6698542 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $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 | 2 |  |
| 6698547 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6698550 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698515 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.96 | 67.96 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | .1977 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate risk | XX/XX/XXXX | $XXX | 19.76% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 6698516 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 2000 One Unit Appraisal Field Review | $XXX | 66.67 | 66.67 | $XXX | $XXX | .4054 | Desk Review |  |  |  |  | $XXX | $XXX | .0450 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0450 | XXX | Adequate | XX/XX/XXXX | $XXX | 40.54% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 6698514 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.32 | 59.32 | $XXX | $XXX | -.0923 | Enhanced Desk Review | $XXX | $XXX | -.0615 | Desk Review | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0615 | XXX | Moderate Risk | XX/XX/XXXX | $XXX | -9.23% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 6698568 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.38 | 57.38 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0661 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0661 | XXX | Adequate | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 6698498 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.57 | 67.57 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698520 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 51.45 | 51.45 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698531 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 79.13 | 79.13 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 6698539 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75 | 75 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6698543 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.72 | 73.72 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 6698544 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 6698549 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.48 | 67.48 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698553 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6698559 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 6698563 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.54 | 61.54 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698566 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6698570 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 65 | 65 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698574 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71 | 71 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6698581 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 6698583 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6698584 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80 | 80 | $XXX | $XXX | .0041 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0041 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6698587 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 6698602 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.94 | 69.94 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 6698605 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698606 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 6698616 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698618 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 6698625 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75 | 75 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6698493 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.04 | 72.04 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 6698497 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 6698499 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 54.2 | 54.2 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6698500 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 48.96 | 48.96 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| 6698503 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70 | 70 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6698506 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 6698567 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 6698569 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6698582 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6698585 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 6698588 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 6698589 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 6698595 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 54.31 | 54.31 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 6698597 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 6698599 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 6698603 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 37.54 | 37.54 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 6698607 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 6698613 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85 | 85 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698636 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698495 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.1 |  |
| 6698508 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 6698545 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55 | 55 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 6698556 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.72 | 74.72 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6698561 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.99 | 74.99 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6698564 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6698565 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6698571 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698572 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 6698573 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 6698575 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6698578 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.63 | 67.63 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 6698580 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 56.95 | 56.95 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6698611 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 50 | 50 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 6698620 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.37 | 61.37 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 6698637 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 6698638 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 56.26 | 56.26 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 6698511 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698513 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6698534 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 6698546 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 17.3 | 17.3 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 6698551 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.87 | 68.87 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698555 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.62 | 67.81 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 6698558 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 6698579 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65 | 65 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 6698590 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65 | 65 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 6698592 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 33.81 | 33.81 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 6698594 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.78 | 62.78 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 6698601 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 | $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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698609 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6698612 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698624 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.67 | 79.67 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 6698635 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | -.0388 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0388 | XXX | Resonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 6698512 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.03 | 47.03 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 6698523 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85 | 85 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6698529 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 65 | 65 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6698552 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 57.83 | 57.83 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Excellent | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 6698562 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.37 | 60.37 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 6698596 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.17 | 47.17 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 6698619 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 6698622 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698626 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75 | 75 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698627 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698630 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70 | 70 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698492 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.73 | 19.73 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 6698494 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 36.92 | 36.92 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 6698496 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 6698502 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698504 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.52 | 57.52 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 6698521 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.19 | 78.19 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6698526 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.83 | 72.83 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 6698540 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 6698554 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6698557 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.33 | 73.33 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698560 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698576 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6698577 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.36 | 74.36 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6698586 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 26.32 | 26.32 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6698591 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 51.5 | 51.5 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 6698593 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 85 | 85 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.9 |  |
| 6698598 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.12 | 59.12 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 6698600 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 55.9 | 55.9 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6698604 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.63 | 74.63 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698608 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 6698610 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 6698615 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698617 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0109 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX | $XXX | 1.09% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 6698621 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.18 | 70.18 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 6698623 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 6698629 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90 | 90 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 6698631 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6698632 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6698640 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698641 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698505 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.36 | 68.36 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 6698509 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.25 | 65.25 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 6698535 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70 | 70 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698538 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.41 | 64.41 | $XXX | $XXX | -.0985 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0833 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0985 | XXX | Inadequate | XX/XX/XXXX | $XXX | -9.85% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 6698633 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 6698501 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.71 | 61.71 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 6698634 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698614 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6698507 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698510 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6698519 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698644 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 6698548 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.23 | 79.23 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | .0385 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0385 | XXX | Adequate | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 6698628 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75 | 75 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6698639 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.9 | 79.9 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6698642 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.99 | 79.99 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Addequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 6698643 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |

---

## Exhibit 99.3

**Exhibit 99.3**

![](tm2612015d1_ex99-3img001.jpg)

**EXECUTIVE SUMMARY**

**BARC 2026-NQM4**

**By Clarifii LLC on April 09, 2026**

BARC 2026-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 1

![](tm2612015d1_ex99-3img001.jpg)

**CLARIFII CONTACT INFORMATION**

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 138 loans (the "Loans") and these loans were subsequently acquired by Sutton Funding LLC the "Client") for the BARC 2026-NQM4 transaction. The loans referenced in this narrative report were reviewed 06/2025 through 03/2026 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | **Loan Count** | **% of Pool** | **Original Balance** |
| &nbsp;&nbsp;Retail | 20 | 14.49% | $8960144.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | 4 | 2.90% | $913400.00 |
| &nbsp;&nbsp;Wholesale | 114 | 82.61% | $79171447.00 |
| &nbsp;&nbsp;**Total** | **138** | **100.00%** | **$89044991.00** |

---

The Review consisted of a population of 138 loans, with an aggregate principal balance of $89,044,991.00.

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

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

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

**LOAN SAMPLING**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp;U.S. Residential Mortgage-backed Securitizations, dated as of August 20, 2025 |

---

BARC 2026-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 2

![](tm2612015d1_ex99-3img001.jpg)

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Is the Condo Project warrantable |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Vested Business Entity Name |

---

BARC 2026-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 3

![](tm2612015d1_ex99-3img001.jpg)

**CREDIT UNDERWRITING**

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

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

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

◻ Assets and Reserves

◻ Gross Income

◻ Lien Position

◻ Loan Purpose

◻ Housing History

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

◻ Monthly Debt

◻ Occupancy

◻ Property Type

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

◻ Debt to Income Ratio (DTI)

◻ Residual Income

◻ Debt Service Coverage Ratio (DSCR)

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

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

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

◻ Borrower(s) employment history

BARC 2026-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 4

![](tm2612015d1_ex99-3img001.jpg)

◻ Citizenship and eligibility

◻ First time home buyer status

◻ The application was signed by all borrowers

◻ The application was substantially complete

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

Clarifii verified the following items:

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

◻ Bankruptcy and foreclosure seasoning

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

◻ Installment and revolving payment history

◻ Mortgage/Rental payment history

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

◻ Number of tradelines

◻ Credit Score(s) and Qualifying Score Methodology

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

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

◻ Tax returns

◻ Financial statements

◻ Paystubs

◻ IRS Form W-2s

◻ IRS Form 1099

◻ IRS documents

◻ Bank statements

◻ Lease agreements

◻ Award letters

◻ Other documentation in loan file

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

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

◻ Borrower identity

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

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

◻ Occupancy

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

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

◻ Employment

BARC 2026-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 5

![](tm2612015d1_ex99-3img001.jpg)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan officer<br> ◻ OFAC

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

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

◻ Verification of deposits (VOD)

◻ Depository account statements

◻ Stock or security account statements

◻ Gift funds

◻ Settlements statements

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

◻ Other documentation in loan file

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

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

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

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

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

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

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

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

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

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

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

◻ Calculated DSCR, as required by guidelines

◻ Confirmed documentation requirements have been met

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

BARC 2026-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 6

![](tm2612015d1_ex99-3img001.jpg)

**DOCUMENT REVIEW**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

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

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

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

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

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

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

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

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

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

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

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

**COMPLIANCE REVIEW**

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

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

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

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

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

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

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

◻ Initial and final application (1003)

◻ Note, including all addendums

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

◻ Mortgage / Deed of Trust, including all riders

BARC 2026-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 7

![](tm2612015d1_ex99-3img001.jpg)

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

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

◻ Notice of Right to Cancel (when applicable)

◻ Rate Lock Date

◻ HOEPA Disclosures (when applicable)

◻ Initial Escrow Account Disclosure

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Compliance Testing of Truth-in-Lending Act (TILA)/Regulation Z Elements** Clarifii reverified and retested, when applicable, the following TILA and Regulation Z elements:

---

| | |
|:---|:---|
| ◻ | **TILA/RESPA Integrated Disclosure Testing (TRID)** |

---

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

---

| | |
|:---|:---|
| ◻ | **Right of Rescission** |

---

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

---

| | |
|:---|:---|
| ◻ | **Qualified Mortgage and Ability to Repay** |

---

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

---

| | |
|:---|:---|
| ◻ | **Real Estate Settlement Procedures Act (RESPA)/Regulation X** |

---

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

---

| | |
|:---|:---|
| ◻ | **Equal Credit Opportunity Act (ECOA)/Regulation B** |

---

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

BARC 2026-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 8

![](tm2612015d1_ex99-3img001.jpg)

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

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

**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

◻ 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.

BARC 2026-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 9

![](tm2612015d1_ex99-3img001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

◻ 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.

BARC 2026-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 10

![](tm2612015d1_ex99-3img001.jpg)

◻ 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 § 31-171 et seq.

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

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

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

◻ Non-Owner Occupied Declaration Disclosure

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

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

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

◻ Review Note accuracy and properly executed

◻ Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

◻ Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

◻ Letter of Explanation detailing the use of proceeds.

◻ Borrower's statement of purpose for the loan.

◻ State License requirements when applicable

◻ State Predatory lending and high cost when applicable

BARC 2026-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 11

![](tm2612015d1_ex99-3img001.jpg)

**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)**

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

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

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

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

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

BARC 2026-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 12

![](tm2612015d1_ex99-3img001.jpg)

**VALUATION REVIEW**

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

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

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

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

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

appraisal.

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

BARC 2026-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 13

![](tm2612015d1_ex99-3img001.jpg)

**VALUATION RESULTS SUMMARY**

The two tables below summarize the loans that contained independent third-party valuation product as well as loans with acceptable UCDP Risk Scores:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | **# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10%<br> Variance to OA or <br> Confidence < 80%** | &nbsp;&nbsp;**Number of Files<br> within -10% of OA <br> or Acceptable UCDP <br> Risk Score \*** |
| &nbsp;&nbsp;No Secondary Product | 0 | 0 | 0 |
| &nbsp;&nbsp;AVM | 0 | 0 | 1 |
| &nbsp;&nbsp;BPO | 0 | 0 | 5 |
| &nbsp;&nbsp;LCA and/or CU Score <=2.5 | 0 | 0 | 77 |
| &nbsp;&nbsp;Desk Review | 0 | 0 | 43 |
| &nbsp;&nbsp;Field Review | 0 | 0 | 2 |
| &nbsp;&nbsp;Second Full Appraisal | 0 | 0 | 10 |

---

**DUE DILIGENCE GRADING CRITERIA**

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

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

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

BARC 2026-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 14

![](tm2612015d1_ex99-3img001.jpg)

**Valuation Event Grade**

---

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

---

**Compliance Event Grade**

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Overall Review Results** | **Final Overall Review Results** | **Final Overall Review Results** |
| **Overall** | **Loan Count** | **% of Sample** |
| A | 111 | 80.43% |
| B | 27 | 19.57% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **138** | **100.00%** |

---

BARC 2026-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 15

![](tm2612015d1_ex99-3img001.jpg)

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Credit Grade Summary** | **Final Credit Grade Summary** | **Final Credit Grade Summary** |
| **Credit** | **Loan Count** | **% of Sample** |
| A | 116 | 84.06% |
| B | 22 | 15.94% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **138** | **100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Property Grade Summary** | **Final Property Grade Summary** | **Final Property Grade Summary** |
| **Credit** | **Loan Count** | **% of Sample** |
| A | 137 | 99.28% |
| B | 1 | 0.72% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **138** | **100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Compliance Grade Summary** | **Final Compliance Grade Summary** | **Final Compliance Grade Summary** |
| **Credit** | **Loan Count** | **% of Sample** |
| A | 133 | 96.38% |
| B | 5 | 3.62% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **138** | **100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | **Loan Count** | **% of Pool** | **Original Balance** |
| &nbsp;&nbsp;Fixed | 138 | 100.00% | $89044991.00 |
| &nbsp;&nbsp;**Total** | **138** | **100.00%** | **$89044991.00** |

---

BARC 2026-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 16

![](tm2612015d1_ex99-3img001.jpg)

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | **Loan Count** | **% of Pool** | **Original Balance** |
| &nbsp;&nbsp;Primary Residence | 36 | 26.09% | $40067754.00 |
| &nbsp;&nbsp;Second Home | 2 | 1.45% | $1247221.00 |
| &nbsp;&nbsp;Investment | 100 | 72.46% | $47730016.00 |
| &nbsp;&nbsp;**Total** | **138** | **100.00%** | **$89044991.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | **Loan Count** | **% of Pool** | **Original Balance** |
| &nbsp;&nbsp;Refinance | 67 | 48.55% | $47868219.00 |
| &nbsp;&nbsp;Purchase | 71 | 51.45% | $41176772.00 |
| &nbsp;&nbsp;**Total** | **138** | **100.00%** | **$89044991.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | **Loan Count** | **% of Pool** | **Original Balance** |
| &nbsp;&nbsp;1 | 138 | 100.00% | $89044991.00 |
| &nbsp;&nbsp;**Total** | **138** | **100.00%** | **$89044991.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | **Loan Count** | **% of Pool** | **Original Balance** |
| &nbsp;&nbsp;360 | 138 | 100.00% | $89044991.00 |
| &nbsp;&nbsp;**Total** | **138** | **100.00%** | **$89044991.00** |

---

**DATA COMPARE RESULTS**

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

BARC 2026-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 17

![](tm2612015d1_ex99-3img001.jpg)

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;&nbsp;**Total Times Compared** | **Accuracy%** |
| &nbsp;&nbsp;Amortization Term | 0 | 138 | 100.00% |
| &nbsp;&nbsp;Application Date | 58 | 138 | 57.97% |
| &nbsp;&nbsp;Balloon Flag | 0 | 138 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | 0 | 138 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | 0 | 138 | 100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | 3 | 138 | 97.83% |
| &nbsp;&nbsp;Borrower 1 Last Name | 3 | 138 | 97.83% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | 10 | 138 | 92.75% |
| &nbsp;&nbsp;Borrower 1 Phone Number | 0 | 136 | 100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | 0 | 138 | 100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | 0 | 20 | 100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | 1 | 20 | 95.00% |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation | 2 | 21 | 90.48% |
| &nbsp;&nbsp;Borrower 2 SSN | 0 | 20 | 100.00% |
| &nbsp;&nbsp;Calculated DSCR | 9 | 138 | 93.48% |
| &nbsp;&nbsp;Cash Disbursement Date | 39 | 138 | 71.74% |
| &nbsp;&nbsp;First Payment Date | 1 | 138 | 99.28% |
| &nbsp;&nbsp;HOA Flag | 0 | 138 | 100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | 0 | 138 | 100.00% |
| &nbsp;&nbsp;Interest Only Flag | 0 | 138 | 100.00% |
| &nbsp;&nbsp;Interest Only Term | 0 | 15 | 100.00% |
| &nbsp;&nbsp;Interest Rate | 0 | 138 | 100.00% |
| &nbsp;&nbsp;Investor Loan ID | 0 | 138 | 100.00% |
| &nbsp;&nbsp;Is the Condo Project warrantable | 20 | 27 | 25.93% |
| &nbsp;&nbsp;Lien Position | 0 | 138 | 100.00% |
| &nbsp;&nbsp;Loan ID | 0 | 138 | 100.00% |
| &nbsp;&nbsp;Loan Purpose | 0 | 138 | 100.00% |
| &nbsp;&nbsp;Maturity Date | 1 | 138 | 99.28% |
| &nbsp;&nbsp;MIN No | 1 | 138 | 99.28% |
| &nbsp;&nbsp;Note Date | 113 | 138 | 18.12% |
| &nbsp;&nbsp;Number of Units | 0 | 138 | 100.00% |
| &nbsp;&nbsp;Occupancy | 2 | 138 | 98.55% |
| &nbsp;&nbsp;Prepayment Penalty Flag | 0 | 86 | 100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | 1 | 138 | 99.28% |
| &nbsp;&nbsp;Primary Appraised Property Value | 8 | 138 | 94.20% |
| &nbsp;&nbsp;Property Address | 1 | 138 | 99.28% |
| &nbsp;&nbsp;Property City | 0 | 138 | 100.00% |
| &nbsp;&nbsp;Property County | 0 | 138 | 100.00% |
| &nbsp;&nbsp;Property State | 0 | 138 | 100.00% |
| &nbsp;&nbsp;Property Type | 27 | 138 | 80.43% |
| &nbsp;&nbsp;Property Zip Code | 0 | 138 | 100.00% |
| &nbsp;&nbsp;Qualifying CLTV | 0 | 138 | 100.00% |
| &nbsp;&nbsp;Qualifying FICO | 0 | 123 | 100.00% |
| &nbsp;&nbsp;Qualifying LTV | 1 | 138 | 99.28% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | 32 | 138 | 76.81% |
| &nbsp;&nbsp;Sales Price | 1 | 117 | 99.15% |
| &nbsp;&nbsp;Seller Loan ID | 0 | 8 | 100.00% |
| &nbsp;&nbsp;ULI | 9 | 125 | 92.80% |
| &nbsp;&nbsp;Vested Business Entity Name | 2 | 7 | 71.43% |

---

BARC 2026-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 18

![](tm2612015d1_ex99-3img001.jpg)

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Supplemental Data Extract

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

**Disclaimer**

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

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

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

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

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

BARC 2026-NQM4 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 19

## Exhibit 99.3

**Exhibit 99.3 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redaction ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 639078 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9725 | 7.723 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8862.23 | Yes | Employed |  | No |  | No |  |
| 699011 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14750.37 | Yes | Employed | Employed | No | No | Yes | Present |
| 742024 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 745690 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 747831 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 751753 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 44550.11 | Yes | Employed |  | No |  | Yes | Present |
| 773228 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 774896 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 783909 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 786455 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 793805 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 144883.36 | N/A | Employed |  | No |  | Yes | Present |
| 793842 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 146278.64 | Yes | Employed |  | No |  | Yes | Present |
| 800903 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 21475 | 7.151 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 43530.79 | N/A | Employed |  | No |  | No |  |
| 836484 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 840743 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 71951.81 | 9.769 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 176139.32 | Yes | Employed |  | No |  | No |  |
| 842547 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 12918.2 | 7.331 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11271.26 | N/A | Employed |  | No |  | No |  |
| 846646 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 35588.45 | Yes | Employed |  | No |  | Yes | Present |
| 847602 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853764 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 853796 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | Yes | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857054 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8308.23 | Yes | Employed |  | No |  | Yes | Present |
| 864472 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 15396.54 | 7.684 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16254.67 | Yes | Employed |  | No |  | No |  |
| 864614 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 865384 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 871054 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | 20189.48 | Yes | Employed |  | No |  | Yes | Present |
| 876303 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 883223 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 883226 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 26474.99 | 7.268 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34828.27 | Yes | Retired |  | No |  | No |  |
| 888297 | XXXX | XXXX | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 13445 | 8.25 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6227 | Yes | Employed |  | No |  | No |  |
| 890290 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 891747 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 57469.4 | Yes | Employed |  | No |  | Yes | Present |
| 915966 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 930467 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 964132 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 965423 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 969615 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 969782 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 971968 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 974898 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 974964 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 979649 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 27375 | 7.997 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33764.83 | N/A | Employed |  | No |  | No |  |
| 983590 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16195 | 7.251 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16268.16 | Yes | Employed |  | No |  | No |  |
| 984711 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 984815 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 984829 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | Yes | No | No | No | Yes | 33069 | 7.428 | Yes | N/A | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 22337.79 | Yes | Employed | Employed | No | No | No |  |
| 984837 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 21295 | 6.548 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 177951.45 | Yes | Employed |  | No |  | No |  |
| 984939 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 47905.21 | N/A | Employed |  | No |  | Yes | Present |
| 986614 | XXXX | XXXX | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 18175 | 8.22 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13060.66 | Yes | Employed |  | No |  | No |  |
| 986624 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 986629 | XXXX | XXXX | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 12121.25 | 7.725 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9998.16 | Yes | Employed |  | No |  | No |  |
| 987045 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 987053 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | No | N/A | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 987077 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 987089 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 987250 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 987982 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 987988 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11203 | 6.898 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7131.96 | Yes | Employed |  | No |  | No |  |
| 988014 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 988021 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 988025 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11875 | 7.311 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12129.28 | Yes | Employed |  | No |  | No |  |
| 988406 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 988495 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 988616 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 988959 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 83862.49 | Yes | Employed |  | No |  | Yes | Present |
| 988979 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 988981 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 13987.5 | 7.249 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8322.84 | Yes | Employed | Employed | No | No | No |  |
| 989846 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 989848 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 989849 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 61475 | 6.787 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 59484.58 | Yes | Not Employed | Employed | No | No | No |  |
| 989864 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 989898 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 989921 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 28250 | 7.399 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18589.14 | Yes | Employed |  | No |  | No |  |
| 989922 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 989973 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 990191 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 990235 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 990273 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 990288 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2725 | 7.414 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 56721.86 | Yes | Employed |  | No |  | No |  |
| 990621 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 27950.75 | 7.468 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 138577.04 | Yes | Employed |  | No |  | No |  |
| 990647 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 990659 | XXXX | XXXX | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 42070 | 7.761 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33225.46 | Yes | Employed |  | No |  | No |  |
| 990672 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 990686 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 990702 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 19431.25 | 7.184 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9176.83 | Yes | Employed |  | No |  | No |  |
| 992912 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 992947 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 12808.7 | 8.621 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7978.16 | Yes | Employed |  | No |  | No |  |
| 992949 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 993308 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 993317 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 993363 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 993458 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6672.93 | 7.054 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8560.74 | Yes | Employed | Not Employed | No | No | No |  |
| 993519 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 993571 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 993584 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 17295.32 | 7.009 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33399.08 | Yes | Employed |  | No |  | No |  |
| 993799 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 993880 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 993900 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 113657.04 | Yes | Employed |  | No |  | Yes | Present |
| 993948 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 10275 | 6.758 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24180.5 | Yes | Employed |  | No |  | No |  |
| 993950 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 18034.98 | 7.109 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21596.47 | Yes | Employed | Not Employed | No | No | No |  |
| 993954 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 27265.63 | 7.083 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 33419.14 | Yes | Employed |  | No |  | No |  |
| 994058 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 994128 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 13175 | 8.758 | Yes | Yes | N/A | Yes | Yes | Yes | No | Yes | Yes | Yes | 14326.91 | Yes | Employed |  | No |  | No |  |
| 994139 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 994392 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 17425 | 7.342 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11525.78 | Yes | Employed |  | No |  | No |  |
| 994419 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11186.78 | Yes | Employed |  | No |  | Yes | Present |
| 994423 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 996269 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 996374 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10669.42 | 6.822 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8453.07 | Yes | Employed |  | No |  | No |  |
| 996440 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10475 | 7.129 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5331.7 | Yes | Employed | Not Employed | No | No | No |  |
| 996509 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | 61254.09 | Yes | Employed |  | No |  | Yes | Present |
| 996512 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 996531 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 1000052 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 1000059 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 1000060 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 1000534 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 37252.36 | 6.884 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21269.57 | Yes | Employed |  | No |  | No |  |
| 1001030 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 23259.27 | Yes | Employed | Employed | No | No | Yes | Present |
| 1001037 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 1001122 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 11100 | 7.143 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5267.62 | N/A | Employed |  | No |  | No |  |
| 1001134 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 36748.05 | 6.957 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 62146.18 | Yes | Employed |  | No |  | No |  |
| 1001154 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 1001293 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 1001403 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 1001424 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 1001425 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 1003679 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 1003807 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 1004383 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 1004749 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 27429.13 | 7.018 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 42479.34 | Yes | Employed |  | No |  | No |  |
| 1008403 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 24075 | 7.34 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9851.17 | N/A | Employed |  | No |  | No |  |
| 1010944 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11075 | 6.78 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14612.5 | Yes | Employed |  | No |  | No |  |
| 1011341 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 1011543 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 1016206 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 1018610 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 1019450 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 132429.13 | Yes | Employed |  | No |  | Yes | Present |
| 1020273 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 1040481 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 28165.63 | 6.368 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 81545.47 | Yes | Employed |  | No |  | No |  |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 2**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redaction ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 639078 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| 639078 | XXXX | XXXX | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | warrantable per Condo Project Manager |
| 639078 | XXXX | XXXX | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal |
| 699011 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 699011 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| 699011 | XXXX | XXXX | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Appraisal & Condo questionnaire |
| 742024 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 742024 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| 745690 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 745690 | XXXX | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.801 | 1.045 | Third Party Market Rent/ PITI. Lender did not provide Breakdown |
| 745690 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 2050.24 | DSCR |
| 747831 | XXXX | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.815 | 1.018 | audit used 1007 due to lease is expired. Lender Calculation disclosed lower HOI and PI |
| 751753 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 751753 | XXXX | XXXX | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| 751753 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.56 | 37.07 | Audit used IO payment |
| 783909 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 783909 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD. |
| 786455 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| 786455 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | As per CD |
| 786455 | XXXX | XXXX | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per condo documents |
| 786455 | XXXX | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.593 | 0.484 | market rent/PITIA; lender calc not provided |
| 793805 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 793805 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD. |
| 793805 | XXXX | XXXX | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Master Policy has Insufficient fidelity coverage |
| 793842 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| 793842 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD. |
| 793842 | XXXX | XXXX | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Master policy has insufficient fidelity |
| 800903 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 836484 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 2054.70 | DSCR per 1008/1003 |
| 840743 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | As per Note |
| 840743 | XXXX | XXXX | XXXX | XXXX | Maturity Date | notePage | XXXX | XXXX | As per Note |
| 840743 | XXXX | XXXX | XXXX | XXXX | First Payment Date | notePage | XXXX | XXXX | As per Note |
| 840743 | XXXX | XXXX | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| 842547 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| 842547 | XXXX | XXXX | XXXX | XXXX | Occupancy | the1003Page | Primary Residence | OwnerOccupied | per 1003 |
| 842547 | XXXX | XXXX | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| 846646 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | As per note |
| 846646 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.02 | 35.98 | Appears lender qualified borrower twice w/PITI on primary |
| 847602 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 847602 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial application |
| 847602 | XXXX | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.625 | 0.641 | Lender used higher lease amount than verified lease amount |
| 853764 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | As per Note |
| 853764 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Application |
| 853796 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| 853796 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| 853796 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Condominium High Rise | Condominium | per appraisal |
| 853796 | XXXX | XXXX | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | per review and lender attestation on 1008 |
| 857054 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 857054 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Closing Disc |
| 857054 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| 864472 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 864614 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 864614 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Credit Report |
| 864614 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal and Title |
| 864614 | XXXX | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.251 | 1.564 | STR has to be reduced by 20% |
| 871054 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | As per Note |
| 871054 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Application |
| 871054 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.7 | 2.70 | Audit within tolerance of 1008 |
| 876303 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | As per Note |
| 876303 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| 883223 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 883223 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 798.35 | No DTI - DSCR |
| 883226 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per HUD |
| 888297 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| 888297 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| 890290 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 890290 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| 890290 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| 890290 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | per appraisal |
| 891747 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 891747 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| 891747 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| 915966 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 915966 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial application |
| 915966 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| 915966 | XXXX | XXXX | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Borrower is a FN per documentation in file. |
| 930467 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 930467 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial Loan App |
| 930467 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| 930467 | XXXX | XXXX | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Detached condo |
| 964132 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| 964132 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| 964132 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Condominium High Rise | Condominium | Per appraisal |
| 964132 | XXXX | XXXX | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per docs in file |
| 969615 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| 969615 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| 969615 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| 969615 | XXXX | XXXX | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per Appraisal |
| 969615 | XXXX | XXXX | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Foreign national per docs and 1003 |
| 969782 | XXXX | XXXX | XXXX | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per Note |
| 969782 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| 969782 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| 969782 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| 969782 | XXXX | XXXX | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per Appraisal and Condo questionnaire |
| 969782 | XXXX | XXXX | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | XXXX | XXXX | Per Visa |
| 974898 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 974898 | XXXX | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.055 | 1.054 | due to Rounding |
| 974898 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1479.25 | DSCR |
| 974964 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| 974964 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per Application |
| 974964 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| 979649 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| 983590 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 983590 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.8 | 41.84 | DTI variance as audit excluded PITIA for departing residence as sold. |
| 984711 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | 02/04/2026 | Per Note |
| 984711 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Attached | Per Appraisal 6 units |
| 984711 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 644.65 | DSCR |
| 984815 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per final note |
| 984815 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| 984815 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Appraisal. |
| 984829 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | PER FINAL NOTE DATE. |
| 986614 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 986624 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 986624 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial1003 |
| 986624 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| 986624 | XXXX | XXXX | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | per 1008 |
| 987045 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 987045 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| 987045 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 11387.60 | Loan is DSCR |
| 987053 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| 987053 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per initial loan application |
| 987053 | XXXX | XXXX | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Appraisal and Condo Questionnaire |
| 987053 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | XXXX | DSCR |
| 987250 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| 987250 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial loan app |
| 987988 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per executed note |
| 988021 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| 988021 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per initial 1003 |
| 988021 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| 988025 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| 988025 | XXXX | XXXX | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Warrantable per docs in file & per UW comments on 1008 |
| 988406 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| 988406 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per Application |
| 988406 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| 988495 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| 988495 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application. |
| 988495 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD. |
| 988616 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| 988616 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| 988616 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 197.48 | DSCR no DTI |
| 988959 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| 988959 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal |
| 988979 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per appraisal |
| 988979 | XXXX | XXXX | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per Approval and 1008 |
| 988981 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 988981 | XXXX | XXXX | XXXX | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per Note |
| 988981 | XXXX | XXXX | XXXX | XXXX | Borrower 2 Last Name | notePage | XXXX | XXXX | Per Note |
| 989846 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| 989846 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per inital 1003 |
| 989848 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 989848 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| 989848 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 97.39 | DSCR Loan |
| 989849 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 989849 | XXXX | XXXX | XXXX | XXXX | Occupancy | the1003Page | Primary Residence | OwnerOccupied | Per 1003 |
| 989864 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 989864 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 166.64 | Per approval DSCR |
| 989898 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 989898 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| 989898 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| 989898 | XXXX | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.337 | 1.374 | 1025/ PITIA. Lender breakdown not provided |
| 989898 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1370.40 | Per 1008 DSCR |
| 989922 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per final Note |
| 989922 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial legacy 1003 |
| 989922 | XXXX | XXXX | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | Per 1003 |
| 989922 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Appraisal |
| 989922 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final CD |
| 989973 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| 989973 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Application. |
| 989973 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| 989973 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Condotel | Condominium | Per Appraisal and 1008 |
| 989973 | XXXX | XXXX | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per 1008 Lender attestation and appraisal |
| 990191 | XXXX | XXXX | XXXX | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | PER FINAL PROMISSARY NOTE DATE. |
| 990191 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | PER FINAL PROMISSARY NOTE DATE. |
| 990191 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | PER INITIAL 1003 BORR SIGN DATE. |
| 990191 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 2.08 | DSCR Loan |
| 990235 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 990235 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| 990273 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 990273 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial application |
| 990273 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| 990621 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| 990621 | XXXX | XXXX | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Non-Warrantable, UW notes on 1008. |
| 990647 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| 990647 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| 990647 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal. |
| 990647 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | XXXX | DSCR |
| 990659 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per executed note |
| 990659 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | From appraisal report |
| 990672 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| 990672 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| 990672 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| 990672 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal |
| 990672 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1551.67 | DSCR |
| 990686 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 990686 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| 990686 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal 3 units |
| 990686 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 134.78 | DSCR |
| 990702 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 992912 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| 992912 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial loan app |
| 992949 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| 992949 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| 992949 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | From appraisal report |
| 993308 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| 993308 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial Loan app |
| 993308 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| 993317 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 993317 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per credit report |
| 993317 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 5437.45 | DSCR |
| 993363 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| 993363 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application. |
| 993363 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 86.10 | DSCR no DTI |
| 993458 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| 993519 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| 993571 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per final Note |
| 993571 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial legacy 1003 |
| 993571 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| 993571 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 186.46 | DSCR no DTI |
| 993584 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 993799 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | PER FINAL PROMISSARY NOTE DATE. |
| 993799 | XXXX | XXXX | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| 993799 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | PER INITIAL 1003 BORR SIGN DATE. |
| 993799 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 76.33 | DSCR |
| 993880 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 993880 | XXXX | XXXX | XXXX | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | Per Note |
| 993880 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application. |
| 993880 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 993880 | XXXX | XXXX | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| 993880 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 132.95 | DSCR Per 1003/1008 |
| 993900 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per final Note |
| 993900 | XXXX | XXXX | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | Per 1003 |
| 993900 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final CD |
| 993948 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 993950 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| 993954 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 993954 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 993954 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.39 | 48.05 | Difference due to rental income |
| 994128 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| 994128 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| 994139 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 994139 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| 994392 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 994419 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 994419 | XXXX | XXXX | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | Per 1003 |
| 994419 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| 994419 | XXXX | XXXX | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per FNMA Condo Approval |
| 994419 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.87 | 30.55 | Lender counting Gap Credit Payments |
| 994423 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial loan application |
| 994423 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Confirmed 6 Unit property per appraisal |
| 994423 | XXXX | XXXX | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | XXXX | XXXX | confirmed US Citizen |
| 994423 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 11.51 | DSCR loan no ratios required. |
| 996269 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| 996269 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial loan app |
| 996374 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 996374 | XXXX | XXXX | XXXX | XXXX | Vested Business Entity Name | deedOfTrustPage | XXXX | XXXX | Per DOT |
| 996440 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 996440 | XXXX | XXXX | XXXX | XXXX | Vested Business Entity Name | deedOfTrustPage | XXXX | XXXX | Per Deed of Trust |
| 996509 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| 996512 | XXXX | XXXX | XXXX | XXXX | Property Address | notePage | XXXX | XXXX | Per note |
| 996512 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| 996512 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial loan application |
| 996512 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 48375.61 | DSCR |
| 996531 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 996531 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per credit report |
| 996531 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per final CD |
| 996531 | XXXX | XXXX | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal |
| 1000052 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| 1000052 | XXXX | XXXX | XXXX | XXXX | MIN No | deedOfTrustPage | XXXX | XXXX | per Deed of Trust |
| 1000052 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per initial loan application |
| 1000059 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 1000059 | XXXX | XXXX | XXXX | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | Per Note |
| 1000059 | XXXX | XXXX | XXXX | XXXX | Sales Price | propertyValuationPage | XXXX | XXXX | Variance as updated Sales price + Assignment fees |
| 1000059 | XXXX | XXXX | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | per appraisal |
| 1000059 | XXXX | XXXX | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 77.44 | 80.00 | Variance as updated Sales price + Assignment fees |
| 1000060 | XXXX | XXXX | XXXX | XXXX | Prepayment Penalty Total Term | notePage | 36 | 3 Year | Per Note |
| 1000060 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 1000060 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial legacy 1003 |
| 1000060 | XXXX | XXXX | XXXX | XXXX | B2 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per documents provided. |
| 1000060 | XXXX | XXXX | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per documents provided. |
| 1000534 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| 1000534 | XXXX | XXXX | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal |
| 1001030 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 1001030 | XXXX | XXXX | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | Per 1003 |
| 1001030 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Condominium High Rise | Condominium | As per Appraisal |
| 1001030 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | As per CD |
| 1001030 | XXXX | XXXX | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per condo questionnaire |
| 1001037 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | PER FINAL NOTE DATE. |
| 1001037 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | PER INITIAL 1003 BORR SIGN DATE. |
| 1001037 | XXXX | XXXX | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | PEr condo questionnaire, condo is non warrantable. |
| 1001037 | XXXX | XXXX | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per Visa Documentation, Borrower is a Foreign National |
| 1001037 | XXXX | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.813 | 0.754 | no calculation provided, PITI used match payment letter. |
| 1001122 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per executed Note in file |
| 1001154 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 1001154 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Single Family Detached | DetachedCondo | Per Appraisal Subject is a Site Condo |
| 1001154 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 15.05 | DSCR |
| 1001293 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Final Note |
| 1001293 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Signature Date on earliest URLA |
| 1001293 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| 1001403 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| 1001403 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| 1001403 | XXXX | XXXX | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Non Warrantable due to Condotel |
| 1001403 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Condominium High Rise | Condominium |  |
| 1001403 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 24.45 | DSCR Loan |
| 1001424 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 1001425 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 1001425 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| 1001425 | XXXX | XXXX | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | Per 1003 |
| 1001425 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal and mortgage |
| 1003679 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| 1003679 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per credit report the earliest date |
| 1003679 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per final cd |
| 1003807 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| 1003807 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application. |
| 1003807 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD. |
| 1003807 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Condominium High Rise | Condominium | Per appraisal |
| 1003807 | XXXX | XXXX | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 |
| 1004383 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | PER NOTE |
| 1004383 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | USED CREDIT REPORT DATE |
| 1008403 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 1008403 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| 1011341 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| 1011341 | XXXX | XXXX | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | Per 1003 |
| 1011341 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| 1011341 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| 1011341 | XXXX | XXXX | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per lock |
| 1011341 | XXXX | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.167 | 1.151 | Lender used higher HOA dues |
| 1011341 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 22.27 | DSCR per 1003/1008 |
| 1011543 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| 1011543 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per app |
| 1016206 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 1016206 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| 1016206 | XXXX | XXXX | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per lender notes |
| 1016206 | XXXX | XXXX | XXXX | XXXX | B2 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per loan and approval, ID documents |
| 1016206 | XXXX | XXXX | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per loan and approval, ID documents |
| 1018610 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 1018610 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial application |
| 1018610 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| 1018610 | XXXX | XXXX | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal. |
| 1019450 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| 1020273 | XXXX | XXXX | XXXX | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per Note |
| 1020273 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 1020273 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial Loan Application |
| 1020273 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 45.66 | DSCR Loan |
| 1040481 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 1040481 | XXXX | XXXX | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per Primary appraisal |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redaction ID** | **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** |
| 639078 | XXXX | XXXX | XXXX D B C A | Closed | FPRO1255 | 2025-06-11 11:52 | 2025-07-31 10:36 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received CPM. Questionnaire not required. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. Please see - per guide 10.12 - If an approved XXXX Condo Project Manager (CPM) report is provided, a lender HOA questionnaire is not required. Also attached is the HOA findings - Seller-06/13/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Provide condo questionnaire, addtional findings may apply once reviewed. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. Please see - per guide 10.12 - If an approved XXXX Condo Project Manager (CPM) report is provided, a lender HOA questionnaire is not required. Also attached is the HOA findings - Seller-06/13/2025 | Resolved-Received CPM. Questionnaire not required. - Due Diligence Vendor-06/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 771<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 48% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4411462 |
| 639078 | XXXX | XXXX | XXXX D B C A | Closed | FCRE1198 | 2025-06-11 13:10 | 2025-07-11 10:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver reserves of 3.61 months< 6months required, applied to non material finding with comp factors - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. - Seller-07/11/2025 <br> Counter-$35,223.24 post closing funds for reserves are required. Reviewed $21,181.21 post close reserves. Short $14,042.03 in additional funds for reserves are required. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Total monthly obligations are $8,136.54 x 6 months = $48,819.24 + cash required XXXX (after EMD credit / EMD included) = -198,285.39 total funds required to be verified <br> please review and advise, Funds verified $192,440.89 minus funds required to close XXXX = -$5,844.50 this appears to be the shortage <br> - Seller-06/14/2025 <br> Open-Audited Reserves of 3.61 month(s) are less than Guideline Required Reserves of 6 month(s) Provide sufficient assets to meet the 6m reserve requirement. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025 <br> Ready for Review-Total monthly obligations are $8,136.54 x 6 months = $48,819.24 + cash required XXXX (after EMD credit / EMD included) = - XXXX total funds required to be verified <br> please review and advise, Funds verified $192,440.89 minus funds required to close XXXX= $XXXX this appears to be the shortage <br> - Seller-06/14/2025 | Waived-Originator provided a waiver reserves of 3.61 months< 6months required, applied to non material finding with comp factors - Due Diligence Vendor-07/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 771<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 48% | FICO: 20 points above minimum<br> Credit History: 24 months 0x30 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 4412709 |
| 639078 | XXXX | XXXX | XXXX D B C A | Closed | finding-651 | 2025-06-10 09:16 | 2025-06-19 07:14 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | TILA Finance Charge Test | Cured-Received CD XXXX, LOX, copy of $150 check and evidence of delivery. - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Please see attached copy of $150 check, and evidence of delivery doc. This loan transaction is a purchase, a Notice of Right of Rescission does not apply - Seller-06/18/2025 <br> Counter-----Received PCCD XXXX and LOX. Provide copy of check, evidence of delivery and evidence rescission has been re-opened, new ROR required. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. Please see attached remedy addressing the fail, please clear finding - Seller-06/14/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $926,307.76. The disclosed finance charge of $926,157.76 is not considered accurate because it is understated by more than $100. This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge is $926,307.76. The disclosed finance charge of $926,157.76 is not considered accurate because it is understated by more than $100 at $150. Provide evidence of refund or principal reduction of $150, or at a minimum to the $100 threshold, corrected PCCD, Letter of explanation and proof of delivery to borrower within 60 days of discovery. Statute also requires rescission to be re-opened, therefore ROR is required to be provided. Statue of Limitations - 1 year, expiration date XXXX.<br> - Due Diligence Vendor-06/10/2025 | Ready for Review-Please see attached copy of $150 check, and evidence of delivery doc. This loan transaction is a purchase, a Notice of Right of Rescission does not apply - Seller-06/18/2025 <br>Ready for Review-Document Uploaded. Please see attached remedy addressing the fail, please clear finding - Seller-06/14/2025<br>| Cured-Received CD XXXX, LOX, copy of $150 check and evidence of delivery. - Due Diligence Vendor-06/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 771<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 48% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4393278 |
| 699011 | XXXX | XXXX | XXXX D A | Closed | FCRE1437 | 2025-08-08 16:49 | 2025-08-28 15:11 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Upon further review, the LOE provided explains the gap of employment. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-We respectfully disagree. Additional documentation is not required as the borrower confirms in the LOE that he was recruited at XXXX on XXXX as a temp to hire working for XXXX. He then was brought on a full-time permanent employee at XXXX on XXXX. This can be considered as the same job with over 6-mo current on it. - Seller-08/26/2025 <br> Counter-Received employment gap letter-borrower states he was converted from recruiting firm to employee. Provide acceptable verification of gap of employment less than 6 months. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/25/2025 <br> Open-Income and Employment Do Not Meet Guidelines Borrower must be employed for a minimum of 6 months with current employer due to the gap in employment - Due Diligence Vendor-08/08/2025 | Ready for Review-We respectfully disagree. Additional documentation is not required as the borrower confirms in the LOE that he was recruited at XXXX as a temp to hire working for XXXX. He then was brought on a full-time permanent employee at XXXX. This can be considered as the same job with over 6-mo current on it. - Seller-08/26/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/25/2025 | Resolved-Upon further review, the LOE provided explains the gap of employment. - Due Diligence Vendor-08/28/2025<br>| LTV is less than guideline maximum - Max LTV 75%- Borrower's LTV 30% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 740 - Borrower's FICO 789 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5118317 |
| 699011 | XXXX | XXXX | XXXX D A | Closed | FCRE4165 | 2025-08-06 13:39 | 2025-08-26 15:05 | Resolved | 1 - Information C A | Credit | Income/Employment | Employment Gaps in Employment Without Sufficient Explanation | Resolved-Received employment gap letter. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Please see attached. - Seller-08/25/2025 <br> Open-Employment gaps of more than 60 days within the most recent two year period require a satisfactory . However, the borrower had a gap of employment from XXXX through XXXX, or 123 days, a LOE was not contained in the loan file - Due Diligence Vendor-08/08/2025 | Ready for Review-Please see attached. - Seller-08/25/2025<br>| Resolved-Received employment gap letter. - Due Diligence Vendor-08/26/2025<br>| LTV is less than guideline maximum - Max LTV 75%- Borrower's LTV 30% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 740 - Borrower's FICO 789 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5078669 |
| 699011 | XXXX | XXXX | XXXX D A | Closed | FCRE0044 | 2025-08-05 14:02 | 2025-08-26 15:01 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/25/2025 <br> Counter-Duplicate documentation provided. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/07/2025 <br> Counter-Received commentary all inquiries were transaction related-LOE for credit inquiries required as not all by lender or broker. Finding remains. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-We respectfully disagree. As evidenced by the documents in the loan file, all inquiries all related to the subject transaction. The loan file contained credit report from XXXX, the reporting agency, and another report requested by the Lender, XXXX. Any additional explanations are not necessary. - Seller-08/05/2025 <br> Open-LOX for credit inquiries is missing. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/25/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/07/2025 <br> Ready for Review-We respectfully disagree. As evidenced by the documents in the loan file, all inquiries all related to the subject transaction. The loan file contained credit report from XXXX, the reporting agency, and another report requested by the Lender, XXXX. Any additional explanations are not necessary. - Seller-08/05/2025 | Resolved-Received credit inquiry LOE - Due Diligence Vendor-08/26/2025<br>| LTV is less than guideline maximum - Max LTV 75%- Borrower's LTV 30% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 740 - Borrower's FICO 789 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5062640 |
| 699011 | XXXX | XXXX | XXXX D A | Closed | FCRE7806 | 2025-08-05 13:37 | 2025-08-26 15:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received income calculation worksheet. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/25/2025 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing the Income Calculation Worksheets for B1, B2 and Real Estate Owned. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/25/2025<br>| Resolved-Received income calculation worksheet. - Due Diligence Vendor-08/26/2025<br>| LTV is less than guideline maximum - Max LTV 75%- Borrower's LTV 30% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 740 - Borrower's FICO 789 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5062072 |
| 699011 | XXXX | XXXX | XXXX D A | Closed | FCRE0136 | 2025-08-05 14:16 | 2025-08-12 15:42 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Underwriter Attestation | Resolved-Received 1008 confirming warrantable Type Q. - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/08/2025 <br> Open-Missing Underwriter Attestation. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/08/2025<br>| Resolved-Received 1008 confirming warrantable Type Q. - Due Diligence Vendor-08/12/2025<br>| LTV is less than guideline maximum - Max LTV 75%- Borrower's LTV 30% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 740 - Borrower's FICO 789 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5062968 |
| 699011 | XXXX | XXXX | XXXX D A | Closed | FCRE7497 | 2025-08-05 14:16 | 2025-08-07 16:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received CD for 3c - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. Please see attached Final CD from the simultaneous closing for the property in question. - Seller-08/05/2025 <br> Open-Missing the taxes for property 3c. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please see attached Final CD from the simultaneous closing for the property in question. - Seller-08/05/2025<br>| Resolved-Received CD for 3c - Due Diligence Vendor-08/07/2025<br>| LTV is less than guideline maximum - Max LTV 75%- Borrower's LTV 30% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 740 - Borrower's FICO 789 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5062943 |
| 699011 | XXXX | XXXX | XXXX D A | Closed | FCRE1330 | 2025-08-05 14:15 | 2025-08-07 16:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Received pay statements for Borrower 1 - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/05/2025 <br> Open-Borrower 1 Paystubs Missing Missing for B1 paystubs for new employment with XXXX. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/05/2025<br>| Resolved-Received pay statements for Borrower 1 - Due Diligence Vendor-08/07/2025<br>| LTV is less than guideline maximum - Max LTV 75%- Borrower's LTV 30% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 740 - Borrower's FICO 789 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5062920 |
| 699011 | XXXX | XXXX | XXXX D A | Closed | FCRE5116 | 2025-08-05 15:11 | 2025-08-07 16:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received confirmation of 10 months mortgage history report-life of loan. - Due Diligence Vendor-08/07/2025 <br> Ready for Review- We respectfully disagree. The credit reported the XXXX mortgage for 6 months. In addition, a previous related mortgage with XXXX was reported with an open date of XXXX. Therefore, a full payment history was reported for the property 3B. - Seller-08/05/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing a full 12 mos mortgage history on the mortgage for property 3B (have only 6 mos reporting on the credit report) - Due Diligence Vendor-08/05/2025 | Ready for Review- We respectfully disagree. The credit reported the XXXX mortgage for 6 months. In addition, a previous related mortgage with XXXX was reported with an open date of XXXX. Therefore, a full payment history was reported for the property 3B. - Seller-08/05/2025 | Resolved-Received confirmation of 10 months mortgage history report-life of loan. - Due Diligence Vendor-08/07/2025<br>| LTV is less than guideline maximum - Max LTV 75%- Borrower's LTV 30% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 740 - Borrower's FICO 789 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5064258 |
| 699011 | XXXX | XXXX | XXXX D A | Closed | FCOM9451 | 2025-08-05 15:31 | 2025-08-07 15:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Property 2: Missing Lease Agreement | Resolved-Received lease agreement for 3b. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/05/2025 <br> Open-Missing the lease agreement for Property 3B for $3,300/mos<br> - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/05/2025<br>| Resolved-Received lease agreement for 3b. - Due Diligence Vendor-08/07/2025<br>| LTV is less than guideline maximum - Max LTV 75%- Borrower's LTV 30% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 740 - Borrower's FICO 789 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5064723 |
| 742024 | XXXX | XXXX | XXXX D A | Closed | FCRE1728 | 2025-09-08 10:50 | 2025-09-18 17:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-XXXX and XXXX URL provided payouts/fees. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. Please see attached XXXX and XXXX URL. - Seller-09/17/2025 <br> Counter-Received a batch payout with no URL or confirmation of what property or vendor. Finding remains. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. Please see attached. XXXX payout shows a service fee while the XXXX payout shows a service fee, cleaning fee and pet fee. Please clear this finding. - Seller-09/08/2025 <br> Open-Missing to support STR, the XXXX provided does not list out management fees and therefore cannot be used. - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. Please see attached XXXX and XXXX URL. - Seller-09/17/2025 <br> Ready for Review-Document Uploaded. Please see attached. XXXX payout shows a service fee while the XXXX payout shows a service fee, cleaning fee and pet fee. Please clear this finding. - Seller-09/08/2025 | Resolved-Airbnb and VRBO URL provided payouts/fees. - Due Diligence Vendor-09/18/2025<br>| Months Reserves exceed minimum required - Verified assets of 90.57 months exceeds the minimum required of 0 months<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 757 which exceeds the minimum of 600 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5448171 |
| 745690 | XXXX | XXXX | XXXX D A C | Closed | FCRE1232 | 2025-09-09 08:55 | 2026-04-07 13:39 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-The Calculated DSCR is equal to or exceeds the minimum DSCR per lender guidelines or Not Applicable. - Due Diligence Vendor-09/09/2025 <br> Open-The Calculated DSCR of '0.801' is less than the minimum DSCR per lender guidelines of '1'. - Due Diligence Vendor-09/09/2025 |  | Resolved-The Calculated DSCR is equal to or exceeds the minimum DSCR per lender guidelines or Not Applicable. - Due Diligence Vendor-09/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 600, Bwr FICO 760 <br>Months Reserves exceed minimum required - 55 mths reserves; 0 mths required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5463016 |
| 745690 | XXXX | XXXX | XXXX D A C | Closed | FPRO1242 | 2025-09-04 14:05 | 2026-02-20 11:37 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received appraisal and 1007 - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-09/05/2025 <br> Open-Appraisal is Missing Missing Appraisal & 1007 - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/05/2025<br>| Resolved-Received appraisal and 1007 - Due Diligence Vendor-09/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 600, Bwr FICO 760 <br>Months Reserves exceed minimum required - 55 mths reserves; 0 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5414261 |
| 745690 | XXXX | XXXX | XXXX D A C | Closed | FPRO1253 | 2025-09-04 14:41 | 2025-09-09 09:03 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-09/05/2025 <br> Open-Missing Secondary Valuation - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/05/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-09/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 600, Bwr FICO 760 <br>Months Reserves exceed minimum required - 55 mths reserves; 0 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5415036 |
| 747831 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 751753 | XXXX | XXXX | XXXX D B A | Closed | FCRE0044 | 2025-09-12 15:38 | 2025-10-15 14:35 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Proof provided that XXXX and XXXX are the same company and debt is listed on the credit report. - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Correct there is no new debt with XXXX, since borrower obtained the AUTO lease with XXXX and same verified with No score pulled on 8.27 and XXXX also reflects no debts with XXXX. LOE is not required in this scenario, Please clear - Seller-10/13/2025 <br> Counter-No document uploaded. CBR pg 133 reflect an inquiry XXXX dated XXXX. This auto debt is not reported as opened. - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Credit inquiries LOE not needed. The inquiries on the credit report used for qualifying are outside of 90 day window, which would include any inquiries dated XXXX or after. The inquiries on the credit refresh don't need an LOE because the XXXX inquiry resulted in a new debt which is already reflecting on the credit refresh (XXXX). The other inquiries on the credit refresh are by the from the broker credit vendor for this transaction. Please waive this finding. - Seller-10/03/2025 <br> Open-LOX for credit inquiries is missing. Provide missing inquiry letter for all inquiries within 90 days of report date. (There are additional auto inquiries needing clarification that aren't the same name as new auto debt reporting). - Due Diligence Vendor-09/12/2025 | Ready for Review-Correct there is no new debt with XXXX, since borrower obtained the AUTO lease with XXXX and same verified with No score pulled on XXXX and XXXX also reflects no debts with XXXX. LOE is not required in this scenario, Please clear - Seller-10/13/2025 <br> Ready for Review-Credit inquiries LOE not needed. The inquiries on the credit report used for qualifying are outside of 90 day window, which would include any inquiries dated XXXX or after. The inquiries on the credit refresh don't need an LOE because the XXXX inquiry resulted in a new debt which is already reflecting on the credit refresh (XXXX). The other inquiries on the credit refresh are by the from the broker credit vendor for this transaction. Please waive this finding. - Seller-10/03/2025 | Resolved-Proof provided that WV and Audi are the same company and debt is listed on the credit report. - Due Diligence Vendor-10/15/2025<br>| Verified employment history exceeds guidelines - Per EA letter, borrower has been self-employed in same business since 1998.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 751 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5522003 |
| 751753 | XXXX | XXXX | XXXX D B A | Closed | FCRE1198 | 2025-09-12 15:50 | 2025-09-15 11:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator exception granted to allow 6m reserves vs 9m per guides. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-09/12/2025 <br> Open-Audited Reserves of 7.26 month(s) are less than Guideline Required Reserves of 9 month(s) Lender Exception: Approved to allow 6m reserves vs 9m per guides. - Due Diligence Vendor-09/12/2025 |  | Waived-Originator exception granted to allow 6m reserves vs 9m per guides. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-09/12/2025<br>| Verified employment history exceeds guidelines - Per EA letter, borrower has been self-employed in same business since 1998.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 751 | Comp Factors:<br> 1. 751 FICO over 20 points of max<br> 2. Mtg history 0X30X24m on subject NOO property<br> 3. 5+ yrs self-employed. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 5522248 |
| 751753 | XXXX | XXXX | XXXX D B A | Closed | FCRE8712 | 2025-09-12 15:54 | 2025-09-15 11:30 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Verification of Rent | Waived-Originator exception granted to allow rent free on a NOO transaction. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-09/12/2025 <br> Open-Lender Exception: Approved to allow Rent Free, not allowed on NOO transaction. - Due Diligence Vendor-09/12/2025 |  | Waived-Originator exception granted to allow rent free on a NOO transaction. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-09/12/2025<br>| Verified employment history exceeds guidelines - Per EA letter, borrower has been self-employed in same business since 1998.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 751 | 1. 751 FICO over 20 points of max<br> 2. Mtg history 0X30X24m on subject NOO property <br> 3. 5+ yrs self-employed. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 5522322 |
| 773228 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 774896 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 783909 | XXXX | XXXX | XXXX C B A | Closed | FPRO1249 | 2025-09-29 11:09 | 2025-10-02 09:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. . Exception Approval in file – Stips - Property – Please allow rural property up to XXXX Acres – Guidelines do not allow Rural Properties Over 20 Acres - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/30/2025 <br> Ready for Review-Please ignore previous upload. - Seller-09/30/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/30/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural property and exceeds 20 Acres, per GL not eligible - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/30/2025 <br>Ready for Review-Please ignore previous upload. - Seller-09/30/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/30/2025<br>| Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. . Exception Approval in file – Stips - Property – Please allow rural property up to 31 Acres – Guidelines do not allow Rural Properties Over 20 Acres - Due Diligence Vendor-10/02/2025<br>| LTV is less than guideline maximum - Max LTV is 70%, borrowers LTV is 36.84%<br>Months Reserves exceed minimum required - 3 months minimum reserves required, borrower has 110.93 documented | 1. LTV more than 5% under program requirement | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5702445 |
| 783909 | XXXX | XXXX | XXXX C B A | Closed | FCRE1510 | 2025-09-28 10:44 | 2025-10-02 09:09 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Confirmed - The legal uploaded is the legal that was recorded with the mortgage - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/30/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description. - Due Diligence Vendor-09/28/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/30/2025<br>| Resolved-Confirmed - The legal uploaded is the legal that was recorded with the mortgage - Due Diligence Vendor-10/02/2025<br>| LTV is less than guideline maximum - Max LTV is 70%, borrowers LTV is 36.84%<br>Months Reserves exceed minimum required - 3 months minimum reserves required, borrower has 110.93 documented |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5695442 |
| 786455 | XXXX | XXXX | XXXX C B A | Closed | FCRE1510 | 2025-09-30 12:15 | 2025-10-22 15:34 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-The Mortgage can be signed and notarized a day before closing. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-We kindly disagree as both the borrower and the Notary signed on the same date and would not pose an issue. The date of the document is when it would be effective; not when it is required to be signed. Please waive this condition. - Seller-10/22/2025 <br> Counter-Received DOT dated XXXX with Notary signature XXXX. Notary signature can not be before document date. - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. Complete DOT uploaded - Seller-10/03/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Note and DOT Security Instrument Date is XXXX. Note and DOT was signed and notarized XXXX. DOT is missing legal description addendum. - Due Diligence Vendor-09/30/2025 | Ready for Review-We kindly disagree as both the borrower and the Notary signed on the same date and would not pose an issue. The date of the document is when it would be effective; not when it is required to be signed. Please waive this condition. - Seller-10/22/2025 <br>Ready for Review-Document Uploaded. Complete DOT uploaded - Seller-10/03/2025<br>| Resolved-The Mortgage can be signed and notarized a day before closing. - Due Diligence Vendor-10/22/2025<br>| Months Reserves exceed minimum required - 32 mths reserves; 2 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 786 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5720559 |
| 786455 | XXXX | XXXX | XXXX C B A | Closed | FCRE0970 | 2025-10-01 09:30 | 2025-10-01 15:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Originator exception granted to allow Transferred appraisal not ordered through XXXX, Non-material waiver applied with comp factors. non-material due to Value supported with third party. - Due Diligence Vendor-10/01/2025 <br> Open-Lender Exception on file: "seeking to allow exception for Transferred appraisal not ordered through an XXXX." - Due Diligence Vendor-10/01/2025 |  | Waived-Originator exception granted to allow Transferred appraisal not ordered through XXXX, Non-material waiver applied with comp factors. non-material due to Value supported with third party. - Due Diligence Vendor-10/01/2025 | Months Reserves exceed minimum required - 32 mths reserves; 2 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 786 | FICO 20+ points above min<br> 24 mth on time mtg hist |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 5732328 |
| 793805 | XXXX | XXXX | XXXX D B A | Closed | FCRE1442 | 2025-10-08 21:14 | 2025-11-19 14:37 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Expired | Resolved-Received updated bank statement. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. Please see Updated with XXXX Verified assets $196,711.99 - Seller-11/18/2025 <br> Counter-Asset exceeds 120 days from Note date-must meet guideline 9 Assets. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. please see attached NON QM guide for business assets - Seller-10/09/2025 <br> Open-Asset 1 Expired Bank statements in file are more than 120 days from closing date. - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. Please see Updated with XXXX Verified assets $196,711.99 - Seller-11/18/2025 <br> Ready for Review-Document Uploaded. please see attached NON QM guide for business assets - Seller-10/09/2025 | Resolved-Received updated bank statement. - Due Diligence Vendor-11/19/2025<br>| Months Reserves exceed minimum required - 124 months > 3 required<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 747 which exceeds the minimum of 680<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 71 months<br>Verified employment history exceeds guidelines - 20+ years verified |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5831315 |
| 793805 | XXXX | XXXX | XXXX D B A | Closed | FCRE7497 | 2025-10-10 14:01 | 2025-10-20 14:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received final CDs. - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Document Uploaded. please see attached per your request - Seller-10/17/2025 <br> Counter-Received 9 out of 10 CDs-missing unit numbers for XXXX-please provide - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/10/2025 <br> Open-Missing final CD from all new XXXX loans showing on 1003 REO other than subject property.<br> - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. please see attached per your request - Seller-10/17/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/10/2025<br>| Resolved-Received final CDs. - Due Diligence Vendor-10/20/2025<br>| Months Reserves exceed minimum required - 124 months > 3 required<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 747 which exceeds the minimum of 680<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 71 months<br>Verified employment history exceeds guidelines - 20+ years verified |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5858308 |
| 793805 | XXXX | XXXX | XXXX D B A | Closed | FPRO1255 | 2025-10-08 20:49 | 2025-10-20 14:46 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA questionnaire. - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Document Uploaded. - Seller-10/17/2025 <br> Counter-Received condo documentation-missing HOA questionnaire. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. please see attached - Seller-10/09/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Must meet guidelines - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. - Seller-10/17/2025 <br>Ready for Review-Document Uploaded. please see attached - Seller-10/09/2025<br>| Resolved-Received HOA questionnaire. - Due Diligence Vendor-10/20/2025<br>| Months Reserves exceed minimum required - 124 months > 3 required<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 747 which exceeds the minimum of 680<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 71 months<br>Verified employment history exceeds guidelines - 20+ years verified |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5831233 |
| 793805 | XXXX | XXXX | XXXX D B A | Closed | FCRE0108 | 2025-10-08 20:57 | 2025-10-09 09:25 | Waived | 2 - Non-Material C B | Credit | Insurance | xxx Coverage not met | Waived-Originator exception granted to allow low xxx coverage. Non-material waiver applied with comp factors. Deemed non-material due to $59K short however project budget has over $100K in reserves. - Due Diligence Vendor-10/09/2025 <br> Open-xxx Coverage not met. xxx insurance coverage equaling at least the sum of three months of assessments on all units in the project is required. $309,072 required vs $250k existing XXXX coverage. - Due Diligence Vendor-10/09/2025 |  | Waived-Originator exception granted to allow low xxx coverage. Non-material waiver applied with comp factors. Deemed non-material due to $59K short however project budget has over $100K in reserves. - Due Diligence Vendor-10/09/2025<br>| Months Reserves exceed minimum required - 124 months > 3 required<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 747 which exceeds the minimum of 680<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 71 months<br>Verified employment history exceeds guidelines - 20+ years verified | 5+ year verified employment<br> 3+ months reserves over required |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 5831256 |
| 793842 | XXXX | XXXX | XXXX D B A | Closed | FCRE1442 | 2025-10-08 19:21 | 2025-11-19 13:59 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Expired | Resolved-Received Updated Bank statement. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. Please see Updated with XXXX Verified assets $196,711.99 - Seller-11/18/2025 <br> Counter-Asset documentation is 122 days from Note Date and does not meet guideline requirement of 120 days per guideline section 9 Assets. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. please see attached NON QM guide for business assets - Seller-10/09/2025 <br> Ready for Review-Document Uploaded. Business assets docs are to be dated within 60 days of the application date XXXX, XXXX acct XXXX is dated XXXX - Seller-10/09/2025 <br> Open-Asset 1 Expired Bank statement are over 122 days old - Due Diligence Vendor-10/08/2025 | Ready for Review-Document Uploaded. Please see Updated with XXXX Verified assets $196,711.99 - Seller-11/18/2025 <br> Ready for Review-Document Uploaded. please see attached NON QM guide for business assets - Seller-10/09/2025 <br> Ready for Review-Document Uploaded. Business assets docs are to be dated within 60 days of the application date XXXX, XXXX is dated XXXX - Seller-10/09/2025 | Resolved-Received Updated Bank statement. - Due Diligence Vendor-11/19/2025<br>| Verified employment history exceeds guidelines - 20+ years<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 747 which exceeds the minimum of 680<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 71 months<br>Months Reserves exceed minimum required - 125 months > 3 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5830753 |
| 793842 | XXXX | XXXX | XXXX D B A | Closed | FPRO1255 | 2025-10-08 11:15 | 2025-10-20 14:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received Condo Questionnaire. - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Document Uploaded. Please see attached, this was suppose to be in the docs previously uploaded. - Seller-10/17/2025 <br> Counter-Received condo documentation-missing HOA Questionnaire. Finding remains. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/09/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Must meet guides - Due Diligence Vendor-10/08/2025 | Ready for Review-Document Uploaded. Please see attached, this was suppose to be in the docs previously uploaded. - Seller-10/17/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/09/2025<br>| Resolved-Received Condo Questionnaire. - Due Diligence Vendor-10/20/2025<br>| Verified employment history exceeds guidelines - 20+ years<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 747 which exceeds the minimum of 680<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 71 months<br>Months Reserves exceed minimum required - 125 months > 3 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5820223 |
| 793842 | XXXX | XXXX | XXXX D B A | Closed | FCRE0108 | 2025-10-08 11:26 | 2025-10-09 09:01 | Waived | 2 - Non-Material C B | Credit | Insurance | xxx Coverage not met | Waived-Originator exception granted to allow short XXXX coverage. Non-material waiver applied with comp factors. Deemed non-material due to short $59K and project budget has over $100K in reserves - Due Diligence Vendor-10/09/2025 <br> Open-XXXX Coverage not met. XXXX insurance coverage equaling at least the sum of three months of assessments on all units in the project is required. $309,072 required vs $250k existing XXXX coverage. - Due Diligence Vendor-10/08/2025 |  | Waived-Originator exception granted to allow short xxx coverage. Non-material waiver applied with comp factors. Deemed non-material due to short $59K and project budget has over $100K in reserves - Due Diligence Vendor-10/09/2025<br>| Verified employment history exceeds guidelines - 20+ years<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 747 which exceeds the minimum of 680<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 71 months<br>Months Reserves exceed minimum required - 125 months > 3 required | Reserves 3+ months<br> 5+ years employment verified |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 5820797 |
| 800903 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 836484 | XXXX | XXXX | XXXX C A | Closed | FCRE0157 | 2025-11-06 10:23 | 2025-11-10 16:26 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not meet guideline requirements for loans listed for sale | Resolved-Confirmation of listing removal provided and confirmed property is not currently listed. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/06/2025 <br> Open-Loan does not meet guideline requirements for loans listed for sale. appraisal shows subject listed on XXXX for $259,500. Reduced price 4 times (last sales price $219,000). Require evidence listing has expired or been removed. - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/06/2025<br>| Resolved-Confirmation of listing removal provided and confirmed property is not currently listed. - Due Diligence Vendor-11/10/2025<br>| On time mortgage history exceeds guideline requirement - Borrower has 0x30x99 months mortgage history, up to 1x30x12 allowed.<br>Months Reserves exceed minimum required - Required reserves is 3 months - actual is 60.76 months reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6153492 |
| 840743 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| 842547 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| 846646 | XXXX | XXXX | XXXX D B A | Closed | FCRE5774 | 2025-11-14 09:45 | 2026-01-21 10:21 | Waived | 2 - Non-Material C B | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Waived-Originator provided an Exception to approve the loan with XXXX due to the 2 available FICO scores are well above the qualifying score required, applied to non material finding with comp factors. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. Please see attached exception allowing loan to close with a Frozen Bureau - Seller-11/20/2025 <br> Open-Borrower 1 Credit Report is Partially Present. Provide new tri-merged credit due to credit report freeze for XXXX. - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. Please see attached exception allowing loan to close with a Frozen Bureau - Seller-11/20/2025<br>| Waived-Originator provided an Exception to approve the loan with 1 Frozen Bureau due to the 2 available FICO scores are well above the qualifying score required, applied to non material finding with comp factors. - Due Diligence Vendor-11/24/2025<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 27.73 Required is 50.49 Borrower has 28.02<br>LTV is less than guideline maximum - Lender max LTV 60%, subject LTV 47.06% Required is 60 Borrower has 47.06<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 640, borrower FICO 766 Required is 640 Borrower has 766 | \* LTV is 5% less than guideline maximum \* Reserves 3+ months above minimum required | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 6252187 |
| 846646 | XXXX | XXXX | XXXX D B A | Closed | FCRE1510 | 2025-11-12 15:27 | 2025-11-19 15:34 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Manufactured Home Rider and Manufactured Home Affidavit of Affixation, - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/17/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Deed of trust indicates there should be a Manufactured Home Rider and Manufactured Home Affidavit of Affixation, which are both absent from the document. - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/17/2025<br>| Resolved-Received Manufactured Home Rider and Manufactured Home Affidavit of Affixation, - Due Diligence Vendor-11/19/2025<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 27.73 Required is 50.49 Borrower has 28.02<br>LTV is less than guideline maximum - Lender max LTV 60%, subject LTV 47.06% Required is 60 Borrower has 47.06<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 640, borrower FICO 766 Required is 640 Borrower has 766 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6229053 |
| 846646 | XXXX | XXXX | XXXX D B A | Closed | FCRE7497 | 2025-11-14 13:40 | 2025-11-19 15:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Policy, review used the higher documented amount. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/17/2025 <br> Open-Missing HOI from XXXX on property 3C to match amount collected on Final CD (HOI provided is from a different company w/a different premium amount). - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/17/2025<br>| Resolved-Received Policy, review used the higher documented amount. - Due Diligence Vendor-11/19/2025<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 27.73 Required is 50.49 Borrower has 28.02<br>LTV is less than guideline maximum - Lender max LTV 60%, subject LTV 47.06% Required is 60 Borrower has 47.06<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 640, borrower FICO 766 Required is 640 Borrower has 766 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6257652 |
| 847602 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 853764 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 853796 | XXXX | XXXX | XXXX D B A | Closed | FCRE0108 | 2025-11-19 14:29 | 2026-01-12 13:18 | Resolved | 1 - Information C A | Credit | Insurance | xxx Coverage not met | Resolved-Received email to confirm Crime coverage - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Please see page 2 of the Master insurance Policy provided to you. It shows xxx coverage for Crime under XXXX for Employee Theft for $1M coverage. Please escalate to management. - Seller-01/08/2026 <br> Counter-Director and Officer coverage can not be included in XXXX coverage. It only covers the Directors and officer personally. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. Please see attached page 2 of the Master Insurance Policy under crime. Employee Theft has a $1M XXXX coverage in addition to the Directors and Officers xxx coverage with XXXX. Please clear this finding. - Seller-01/06/2026 <br> Counter-xxx insurance coverage is insufficient-required coverage is $1,090,152 and only $1,000,000 reflecting. Finding remains. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. The assertion that "xxx Coverage is not met" is incorrect. Please note that the attached master insurance certificate demonstrates that Crime / Employee Dishonesty coverage (XXXX coverage) is in place under the Directors & Officers section of the policy.<br> While the certificate does not label the word "XXXX" explicitly, Employee Dishonesty / Crime coverage is the industry-standard equivalent of xxx coverage, and this coverage is included within the master policy provided.<br> Accordingly, the requirement for XXXX coverage is satisfied, and the attached certificate of liability insurance serves as the supporting evidence.<br> - Seller-11/21/2025 <br> Open-xxx Coverage not met. Missing evidence that the crime coverage on master policy includes XXXX coverage. - Due Diligence Vendor-11/19/2025 | Ready for Review-Please see page 2 of the Master insurance Policy provided to you. It shows xxx coverage for Crime under XXXX for Employee Theft for $1M coverage. Please escalate to management. - Seller-01/08/2026 <br> Ready for Review-Document Uploaded. Please see attached page 2 of the Master Insurance Policy under crime. Employee Theft has a $1M XXXX coverage in addition to the Directors and Officers XXXX coverage with XXXX. Please clear this finding. - Seller-01/06/2026 <br> Ready for Review-Document Uploaded. The assertion that "XXXX Coverage is not met" is incorrect. Please note that the attached master insurance certificate demonstrates that Crime / Employee Dishonesty coverage (xxx coverage) is in place under the Directors & Officers section of the policy.<br> While the certificate does not label the word "XXXX" explicitly, Employee Dishonesty / Crime coverage is the industry-standard equivalent of XXXX coverage, and this coverage is included within the master policy provided.<br> Accordingly, the requirement for xxx coverage is satisfied, and the attached certificate of liability insurance serves as the supporting evidence.<br> - Seller-11/21/2025 | Resolved-Received email to confirm Crime coverage - Due Diligence Vendor-01/12/2026<br>| Months Reserves exceed minimum required - 2 months reserves PITIA and the borrower has 7 months.<br>LTV is less than guideline maximum - Required is 70 Borrower has 60.47 LTV is 5% less than maximum allowed |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6309860 |
| 853796 | XXXX | XXXX | XXXX D B A | Closed | FCRE0700 | 2025-11-19 14:32 | 2025-12-03 11:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received PCCD and acknowledgment. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. Please see attached proof of PCCD sent to Borrower via EDisclosure on XXXX and received on XXXX. Please clear this finding. - Seller-11/28/2025 <br> Counter-Pending receipt of final, acknowledged PCCD. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. Audit review of the PCCD XXX a change in cash-out amount for the borrower and it was not acknowledged/signed by the borrower. Working on it. Please disregard previous rebuttal. - Seller-11/21/2025 <br> Ready for Review-Document Uploaded. I disagree. Please see attached Final CD dated XXXX has the signature and closing details. Please clear this finding. - Seller-11/21/2025 <br> Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Latest CD dated XXXX is missing signature-audit used this CD for review. - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. Please see attached proof of PCCD sent to Borrower via EDisclosure on XXXX and received on XXXX. Please clear this finding. - Seller-11/28/2025 <br> Ready for Review-Document Uploaded. Audit review of the PCCD XXXX shows a change in cash-out amount for the borrower and it was not acknowledged/signed by the borrower. Working on it. Please disregard previous rebuttal. - Seller-11/21/2025 <br> Ready for Review-Document Uploaded. I disagree. Please see attached Final CD dated XXXX has the signature and closing details. Please clear this finding. - Seller-11/21/2025 | Resolved-Received PCCD and acknowledgment. - Due Diligence Vendor-12/03/2025<br>| Months Reserves exceed minimum required - 2 months reserves PITIA and the borrower has 7 months.<br>LTV is less than guideline maximum - Required is 70 Borrower has 60.47 LTV is 5% less than maximum allowed |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6309904 |
| 853796 | XXXX | XXXX | XXXX D B A | Closed | FCRE1498 | 2025-11-18 18:08 | 2025-11-24 14:41 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Waived-Originator exception granted to allow condo for first time investor. Non-material waiver applied with comp factors. Deemed non-material due to borrower has owned and made timely payments on subject for 7 months. - Due Diligence Vendor-11/19/2025 <br> Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) First time investor (owned subject 8 months) only allowed on SFR properties only, subject is a condo - Due Diligence Vendor-11/18/2025 |  | Waived-Originator exception granted to allow condo for first time investor. Non-material waiver applied with comp factors. Deemed non-material due to borrower has owned and made timely payments on subject for 7 months. - Due Diligence Vendor-11/19/2025<br>| Months Reserves exceed minimum required - 2 months reserves PITIA and the borrower has 7 months.<br>LTV is less than guideline maximum - Required is 70 Borrower has 60.47 LTV is 5% less than maximum allowed | LTV 5% less than max allowed<br> Reserves 3+ months over minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6296949 |
| 853796 | XXXX | XXXX | XXXX D B A | Closed | FCRE1232 | 2025-11-19 14:38 | 2025-11-19 14:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Originator exception granted to allow < 1 DSCR. Non-material waiver applied with comp factors. Deemed non-material due to strong rental market and borrower has made timely payments on subject for 7 months. - Due Diligence Vendor-11/19/2025 <br> Open-The Calculated DSCR of '0.479' is less than the minimum DSCR per lender guidelines of '1'. Considered first time investor has only owned the subject property 8 months. - Due Diligence Vendor-11/19/2025 |  | Waived-Originator exception granted to allow < 1 DSCR. Non-material waiver applied with comp factors. Deemed non-material due to strong rental market and borrower has made timely payments on subject for 7 months. - Due Diligence Vendor-11/19/2025<br>| Months Reserves exceed minimum required - 2 months reserves PITIA and the borrower has 7 months.<br>LTV is less than guideline maximum - Required is 70 Borrower has 60.47 LTV is 5% less than maximum allowed | LTV 5% less than max allowed<br> Reserves 3+ months over minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6310036 |
| 857054 | XXXX | XXXX | XXXX D B A | Closed | FCRE7009 | 2025-11-21 16:18 | 2026-01-29 15:50 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Updated HOI policy provided with increased coverage. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-The monthly Hazard insurance changed to XXXX due to increased in insurance coverage to $XXXX from $XXXX which resulted to a DTI of 48.516 from 48.14 which is still below the max DTI of 50%. No issues found. - Seller-01/29/2026 <br> Ready for Review-Document Uploaded. Please see attached updated hazard insurance, PC 1003 and PC 1008. Please clear this finding. - Seller-01/29/2026 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Insufficient hazard insurance coverage to cover both the first and second liens totaling XXXX. Policy reflects $XXXX. Additional conditions may apply. - Due Diligence Vendor-11/21/2025 | Ready for Review-The monthly Hazard insurance changed to XXXX due to increased in insurance coverage to $XXXX from $XXXX which resulted to a DTI of 48.516 from 48.14 which is still below the max DTI of 50%. No issues found. - Seller-01/29/2026 <br> Ready for Review-Document Uploaded. Please see attached updated hazard insurance, PC 1003 and PC 1008. Please clear this finding. - Seller-01/29/2026 | Resolved-Updated HOI policy provided with increased coverage. - Due Diligence Vendor-01/29/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 660. Borrower's qualifying FICO is 804. Required is 660 Borrower has 804<br>LTV is less than guideline maximum - Guideline maximum LTV is 85%. Subject LTV is 60%. Required is 85 Borrower has 60 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6347789 |
| 857054 | XXXX | XXXX | XXXX D B A | Closed | FCRE1150 | 2025-11-20 13:20 | 2026-01-09 09:19 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Subordination Agreement is Missing | Waived-Originator provided a waiver to approve with XXXX carryback loan , applied to non material finding with comp factors - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with a Seller Carryback 2nd Lien - Seller-01/07/2026 <br> Counter-Per guideline 3.9 - Secondary Financing - Private-party secondary financing not allowed - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. This is a Purchase transaction so there wouldn't be anything to subordinate. The 2nd lien would be recorded after the first when the purchase is complete. Please note that section 3.9 pertains to refinance transactions and not purchases since it involves subordination of a current lien. Please clear this finding. - Seller-11/25/2025 <br> Open-Missing Subordination Agreement Missing proof of Seller Carryback eligibility and Subordination Agreement. Guidelines state private-party secondary financing not allowed. Upon receipt, additional conditions may apply. - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with a Seller Carryback 2nd Lien - Seller-01/07/2026 <br> Ready for Review-Document Uploaded. This is a Purchase transaction so there wouldn't be anything to subordinate. The 2nd lien would be recorded after the first when the purchase is complete. Please note that section 3.9 pertains to refinance transactions and not purchases since it involves subordination of a current lien. Please clear this finding. - Seller-11/25/2025 | Waived-Originator provided a waiver to approve with XXXX carryback loan , applied to non material finding with comp factors - Due Diligence Vendor-01/09/2026 | Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 660. Borrower's qualifying FICO is 804. Required is 660 Borrower has 804<br>LTV is less than guideline maximum - Guideline maximum LTV is 85%. Subject LTV is 60%. Required is 85 Borrower has 60 | Qualifying FICO score is at least 20 points above minimum for program\* <br> Residual Income =/> 1.5 times $3,500 monthly residual income\* <br> Reserves 3+ months above minimum required\* 5+ years Verified employment history exceeds guidelines | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 6328934 |
| 857054 | XXXX | XXXX | XXXX D B A | Closed | FCRE1505 | 2025-11-20 14:44 | 2025-12-11 15:09 | Resolved | 1 - Information C A | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Resolved-Received confirmation IRS balance considered in DTI - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Please note that the Tax Liability was added to the DTI Calc as 5% of the amount due. Proof of payment would not be required since the payment is added against their DTI ratio - Seller-12/09/2025 <br> Counter-Credit tradelines met as 3 credit score. Missing proof of XXXX tax liability paid as used in qualifying income. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. Please see attached PC 1008 and PC 1003. There is no proof provided in the file that the XXXX tax due of $2,358 was paid so we added this to the liabilities section. We used 5% of the XXXX personal income tax of $2,358 which amounts to $117.90 rounded off to $118. The resulting DTI is only 48.13% which is below the max allowable DTI of 50%. Please clear this finding. - Seller-11/29/2025 <br> Open-The Tradelines for the borrower(s) do not meet the guideline requirements. Provide proof that the Borrower's taxes owed on the 1040s are paid. Upon receipt, additional conditions may apply. - Due Diligence Vendor-11/20/2025 | Ready for Review-Please note that the Tax Liability was added to the DTI Calc as 5% of the amount due. Proof of payment would not be required since the payment is added against their DTI ratio - Seller-12/09/2025 <br> Ready for Review-Document Uploaded. Please see attached PC 1008 and PC 1003. There is no proof provided in the file that the 2024 tax due of $2,358 was paid so we added this to the liabilities section. We used 5% of the XXXX personal income tax of $2,358 which amounts to $117.90 rounded off to $118. The resulting DTI is only 48.13% which is below the max allowable DTI of 50%. Please clear this finding. - Seller-11/29/2025 | Resolved-Received confirmation XXXX balance considered in DTI - Due Diligence Vendor-12/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 660. Borrower's qualifying FICO is 804. Required is 660 Borrower has 804<br>LTV is less than guideline maximum - Guideline maximum LTV is 85%. Subject LTV is 60%. Required is 85 Borrower has 60 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6330593 |
| 857054 | XXXX | XXXX | XXXX D B A | Closed | FCRE1148 | 2025-11-20 13:20 | 2025-12-03 12:21 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received confirmation 2nd lien not considered. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. Please see attached ALTA Title report that covers the 2nd private lien of XXXX. Please clear this finding. - Seller-12/03/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Subject loan amount is XXXX. Piggyback second lien is XXXX. Title coverage amount is only $840,000, which does not cover the second lien. - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. Please see attached ALTA Title report that covers the 2nd private lien of XXXX. Please clear this finding. - Seller-12/03/2025 | Resolved-Received confirmation 2nd lien not considered. - Due Diligence Vendor-12/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 660. Borrower's qualifying FICO is 804. Required is 660 Borrower has 804<br>LTV is less than guideline maximum - Guideline maximum LTV is 85%. Subject LTV is 60%. Required is 85 Borrower has 60 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6328935 |
| 857054 | XXXX | XXXX | XXXX D B A | Closed | FCRE8887 | 2025-11-26 08:23 | 2025-12-01 14:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved- XXXX and XXXX have same APN - showing Duplex - Due Diligence Vendor-12/01/2025 <br> Ready for Review-XXXX – Document Uploaded. Schedule E property - XXXX shares the same APN of XXXX with the primary residence of XXXX. Please see attached property profile showing this property is a duplex and public search info doc. The legal address is XXXX is one of the units. Please clear this finding. - Seller-11/28/2025 <br> Open-The Final 1003 is Incomplete Missing the property information in REO Section of the final 1003 for the property listed on the borrower's personal XXXX and XXXX 1040's. If borrower no longer owns this property, provide proof of the same. Upon receipt, additional conditions may apply. - Due Diligence Vendor-11/26/2025 | Ready for Review-Wilfred Tomaneng – Document Uploaded. Schedule E property - XXXX shares the same APN of XXXXwith the primary residence of XXXX. Please see attached property profile showing this property is a duplex and public search info doc. The legal address is XXXX but XXXX is one of the units. Please clear this finding. - Seller-11/28/2025 | Resolved- XXXX have same APN - showing Duplex - Due Diligence Vendor-12/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 660. Borrower's qualifying FICO is 804. Required is 660 Borrower has 804<br>LTV is less than guideline maximum - Guideline maximum LTV is 85%. Subject LTV is 60%. Required is 85 Borrower has 60 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6397694 |
| 864472 | XXXX | XXXX | XXXX C B A | Closed | FCRE9501 | 2025-12-19 13:47 | 2026-01-27 18:24 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Gift letter provided for $15,000. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. Please see attached Gift letter from sister's account for the $15K sent at closing. Please expedite for this to clear as soon as possible - Seller-01/26/2026 <br> Counter-Unable to Resolve. $126,000 wire is sourced by Gift Letter. File is missing source of additional $15,000 wire. If gift please provide Gift Letter. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. Disagree, $15k EMD was received in XXXX... the wires at closing are dated XXXX & XXXX... please clear this as soon as possible. - Seller-01/05/2026 <br> Counter-Wire receipts for the Gift and EMD provided, however these assets have been included in the review of assets. Additional assets are required. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. Please see attached the closing agent provided funds receipts of two wires of which an additional $15,000 wire was sent to cover the $14,667.59 shortage - Seller-12/26/2025 <br> Counter-This is a different Finding - it is for Assets Post-Close amount is '$-14,667.59'. Assets are Insufficient. When assets updated to new gift amount of $126,000 the Borrower is now short $-14,667.59 Funds to Close. Per Final CD and Settlement Statement - Cash to Close = $XXXX and the Gift Wire = $126,000 - shortage = $14,667.59 - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Duplicate added finding, Please see prior defects, this was already resolved!... Please clear as soon as possible - Seller-12/21/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-14667.59'. Assets are Insufficient. \*New\* Gift funds changed from $171,200 to $126k . - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. Please see attached Gift letter from sister's account for the $15K sent at closing. Please expedite for this to clear as soon as possible - Seller-01/26/2026 <br> Ready for Review-Document Uploaded. Disagree, $15k EMD was received in XXXX... the wires at closing are dated XXXX... please clear this as soon as possible. - Seller-01/05/2026 <br> Ready for Review-Document Uploaded. Please see attached the closing agent provided funds receipts of two wires of which an additional $15,000 wire was sent to cover the $14,667.59 shortage - Seller-12/26/2025 <br> Ready for Review-Duplicate added finding, Please see prior defects, this was already resolved!... Please clear as soon as possible - Seller-12/21/2025 | Resolved-Gift letter provided for $15,000. - Due Diligence Vendor-01/27/2026<br>| Qualifying DTI below maximum allowed - DTI well below max amount allowable Required is 50 Borrower has 23.35<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 724 Required is 680 Borrower has 724 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6710272 |
| 864472 | XXXX | XXXX | XXXX C B A | Closed | FCRE1479 | 2025-11-25 15:48 | 2025-12-19 13:47 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Please escalate this for manager review, the gift letter meets all detail requirements. Lenders notes the gift funds were verified to be sufficient to close, the amount of gift funds are within the gift amount and not exceeding the terms stated on the gift letter. no further docs are needed, please clear - Seller-12/18/2025 <br> Counter-Received proof of $126k gift-missing complete gift amount or corrected gift letter. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Gift letters are acceptable for up to the amount being gifted. The full gift amount does not need to be wired at closing; only the amount necessary to close may be wired, provided it does not exceed the gift amount stated in the gift letter.<br> Attached is evidence of transferred funds totaling $126,000, which were wired to title/escrow from donor XXXX XXXX account ending in XXXX, as referenced in the gift letter indicating a gift of up to $171,200. - Seller-12/09/2025 <br> Counter-Received proof of $126k gift-missing complete gift amount or corrected gift letter. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. Lender notes the gift letters are acceptable for up to the amount being gifted, and full amounts of gift are not required to be wired at closing, but may wire up to gift amount as needed to close. Please see the attached evidence of transferred funds of $126,000 gift funds. These are the funds wired to title/escrow from the donor XXXX XXXX as stated on gift letter reflecting up to $171,200 gift funds. - Seller-12/02/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Missing evidence of transfer of $171,200 gift funds to title/escrow. - Due Diligence Vendor-11/25/2025 | Ready for Review-Please escalate this for manager review, the gift letter meets all detail requirements. Lenders notes the gift funds were verified to be sufficient to close, the amount of gift funds are within the gift amount and not exceeding the terms stated on the gift letter. no further docs are needed, please clear - Seller-12/18/2025 <br> Ready for Review-Gift letters are acceptable for up to the amount being gifted. The full gift amount does not need to be wired at closing; only the amount necessary to close may be wired, provided it does not exceed the gift amount stated in the gift letter.<br> Attached is evidence of transferred funds totaling $126,000, which were wired to title/escrow from donor XXXX account ending in XXXX, as referenced in the gift letter indicating a gift of up to $171,200. - Seller-12/09/2025 <br> Ready for Review-Document Uploaded. Lender notes the gift letters are acceptable for up to the amount being gifted, and full amounts of gift are not required to be wired at closing, but may wire up to gift amount as needed to close. Please see the attached evidence of transferred funds of $126,000 gift funds. These are the funds wired to title/escrow from the donor XXXX as stated on gift letter reflecting up to $171,200 gift funds. - Seller-12/02/2025 | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-12/19/2025<br>| Qualifying DTI below maximum allowed - DTI well below max amount allowable Required is 50 Borrower has 23.35<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 724 Required is 680 Borrower has 724 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6389508 |
| 864472 | XXXX | XXXX | XXXX C B A | Closed | FCOM1302 | 2025-11-24 16:22 | 2025-11-24 16:22 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). -----Originator waiver applied to non-material findings. - Due Diligence Vendor-11/24/2025 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). -----Originator waiver applied to non-material findings. - Due Diligence Vendor-11/24/2025<br>| Qualifying DTI below maximum allowed - DTI well below max amount allowable Required is 50 Borrower has 23.35<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 724 Required is 680 Borrower has 724 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6372083 |
| 864614 | XXXX | XXXX | XXXX D A | Closed | FCOM1227 | 2025-11-25 08:32 | 2026-01-13 14:35 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Received corrective Mortgage w/PUD Rider. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. Please see attached corrected MTG DOT with legal - Seller-01/09/2026 <br> Open-PUD Rider is Missing Per Appraisal this property is a PUD, title #17 Sch B has Restrictive Covenants - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. Please see attached corrected MTG DOT with legal - Seller-01/09/2026<br>| Resolved-Received corrective Mortgage w/PUD Rider. - Due Diligence Vendor-01/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 793 Min FICO is 680, borrowers mid score is 793<br>Months Reserves exceed minimum required - 86 months reserves exceeds 9 months required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6379821 |
| 864614 | XXXX | XXXX | XXXX D A | Closed | FCRE1510 | 2025-11-25 07:51 | 2026-01-13 14:35 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received corrective Mortgage with Legal. - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. Please see attached corrected Mtg DOT with Legal - Seller-01/09/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing EX A-Legal Description - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. Please see attached corrected Mtg DOT with Legal - Seller-01/09/2026<br>| Resolved-Received corrective Mortgage with Legal. - Due Diligence Vendor-01/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 793 Min FICO is 680, borrowers mid score is 793<br>Months Reserves exceed minimum required - 86 months reserves exceeds 9 months required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6379326 |
| 865384 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 871054 | XXXX | XXXX | XXXX D A | Closed | FCRE1198 | 2025-12-02 12:35 | 2026-01-13 13:44 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received CD for cash out refinance of the primary residence. Audited Reserves of 34.92 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. Document Uploaded. Please see attached Final CD on B1's primary residence showing cash to borrower for $XXXX and updated PC 1003. Also uploaded 12 months payment history and New Deed of Trust for the borrower's primary residence at XXXX. - Seller-12/16/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Insufficient Assets for reserves - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. Document Uploaded. Please see attached Final CD on B1's primary residence showing cash to borrower for $XXXX and updated PC 1003. Also uploaded 12 months payment history and New Deed of Trust for the borrower's primary residence at XXXX. - Seller-12/16/2025 | Resolved-Received CD for cash out refinance of the primary residence. Audited Reserves of 34.92 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-12/17/2025<br>| Verified employment history exceeds guidelines - 13 years same business<br>Qualifying DTI below maximum allowed - 38.70% DTI is below max of 50%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6449971 |
| 871054 | XXXX | XXXX | XXXX D A | Closed | FCRE1193 | 2025-12-17 16:05 | 2026-01-13 13:44 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received 1003, re-calculated subjects income. Audited DTI of 38.7% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. Please see attached PC 1003 - section 4c. Please clear this finding. - Seller-01/09/2026 <br> Counter-Received notation rental income considered to offset subject property. 1003 received does not reflect rental income considered. Provide complete 4c section for review. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-I disagree. Your audit review reflecting negative rent for subject property was not included is inaccurate. In accordance with Non-QM guidelines, rental income is determined by comparing market rent to the full monthly housing expense (PITI). The subject property reflects a market rent of $7,500.00 and a monthly PITI of $6,975.07, resulting in a positive net rental income of $524.93. As the rental income exceeds the housing expense, the property does not generate a rental loss, and therefore no negative rent applies. The rental income was correctly calculated and appropriately reflected in the loan file. Please clear this finding or escalate to management. - Seller-01/07/2026 <br> Counter-Received Note, 1003, and 1008. Audit review reflect negative rent for subject property not included. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. I disagree. Please see attached PC 1003 and PC 1008 . The new monthly payment of $6,471.05 was added to the 1003 including HOI for XXXX and Taxes for XXXX totals to $8,598.91. We used the lower income of $31,889.93. Break down is $31,365 plus $524.93 - net rental income - subject property instead of your calculation of $32,408.36 and the resulting DTI is 39.981 which is way below the max DTI of 50%. Please clear this finding. - Seller-12/23/2025 <br> Open-Audited DTI of 60.85% exceeds Guideline DTI of 50% \*New\* Lender did not include the new monthly payment for the primary residence, in addition 1008 reflects an of 331,365.00. 1003 States $77k monthly income. Review income is $32,408.46. - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. Please see attached PC 1003 - section 4c. Please clear this finding. - Seller-01/09/2026 <br> Ready for Review-I disagree. Your audit review reflecting negative rent for subject property was not included is inaccurate. In accordance with Non-QM guidelines, rental income is determined by comparing market rent to the full monthly housing expense (PITI). The subject property reflects a market rent of $7,500.00 and a monthly PITI of $6,975.07, resulting in a positive net rental income of $524.93. As the rental income exceeds the housing expense, the property does not generate a rental loss, and therefore no negative rent applies. The rental income was correctly calculated and appropriately reflected in the loan file. Please clear this finding or escalate to management. - Seller-01/07/2026 <br> Ready for Review-Document Uploaded. I disagree. Please see attached PC 1003 and PC 1008 . The new monthly payment of $6,471.05 was added to the 1003 including HOI for XXXX and Taxes for XXXX totals to $8,598.91. We used the lower income of $31,889.93. Break down is $31,365 plus $524.93 - net rental income - subject property instead of your calculation of $32,408.36 and the resulting DTI is 39.981 which is way below the max DTI of 50%. Please clear this finding. - Seller-12/23/2025 | Resolved-Received 1003, re-calculated subjects income. Audited DTI of 38.7% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-01/13/2026<br>| Verified employment history exceeds guidelines - 13 years same business<br>Qualifying DTI below maximum allowed - 38.70% DTI is below max of 50%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6670039 |
| 871054 | XXXX | XXXX | XXXX D A | Closed | FCRE1440 | 2025-12-02 12:06 | 2026-01-13 13:42 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received corrected final 1003 and payment history for primary. - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. - Seller-12/12/2025 <br> Ready for Review-Document Uploaded. Please see attached 12 month payment history - XXXX for XXXX. REO 3a - XXXX is not the primary residence of the borrower but the business address of the borrower. The final 1003 provided is updated to show the correct primary residence at XXXX. - Seller-12/12/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing 12 month housing pay history for primary on XXXX (listed as primary page 976) and missing 12 month housing pay history for REO 3a (XXXX). - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. - Seller-12/12/2025 <br> Ready for Review-Document Uploaded. Please see attached 12 month payment history - XXXX for XXXX. REO 3a - XXXX is not the primary residence of the borrower but the business address of the borrower. The final 1003 provided is updated to show the correct primary residence at XXXX - Seller-12/12/2025 | Resolved-Received corrected final 1003 and payment history for primary. - Due Diligence Vendor-12/16/2025<br>| Verified employment history exceeds guidelines - 13 years same business<br>Qualifying DTI below maximum allowed - 38.70% DTI is below max of 50%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6449280 |
| 871054 | XXXX | XXXX | XXXX D A | Closed | FCRE7497 | 2025-12-02 12:43 | 2025-12-17 16:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA for the primary residence. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. Please see attached Final CD and Updated PC 1003. B1 got a secured loan with XXXX to do a cash-out refi on their Primary residence - XXXX which closed on XXXX. Proceeds from the cash-out refi were used to close the loan with XXXX for the purchase of an investment property which closed on XXXX. Please clear this finding. - Seller-12/16/2025 <br> Ready for Review-Document Uploaded. Please see attached HOI for XXXX. - Seller-12/12/2025 <br> Counter-Received mortgage payment, HOA, and Taxed. Missing HOI for property. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. Please see attached PITIA for XXXX. Please clear this finding. - Seller-12/03/2025 <br> Open-Missing PITIA info for REO listed on final 1003 (3a) - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. Please see attached Final CD and Updated PC 1003. B1 got a secured loan with XXXX to do a cash-out refi on their Primary residence - XXXX which closed on XXXX. Proceeds from the cash-out refi were used to close the loan with XXXX for the purchase of an investment property which closed on XXXX. Please clear this finding. - Seller-12/16/2025 <br> Ready for Review-Document Uploaded. Please see attached HOI for XXXX. - Seller-12/12/2025 <br> Ready for Review-Document Uploaded. Please see attached PITIA for XXXX. Please clear this finding. - Seller-12/03/2025 | Resolved-Received PITIA for the primary residence. - Due Diligence Vendor-12/17/2025<br>| Verified employment history exceeds guidelines - 13 years same business<br>Qualifying DTI below maximum allowed - 38.70% DTI is below max of 50%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6450181 |
| 871054 | XXXX | XXXX | XXXX D A | Closed | FCRE9501 | 2025-12-02 12:10 | 2025-12-17 16:02 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received sufficient assets. Total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. Please see attached Final CD on B1's primary residence showing cash to borrower for $XXXX and updated PC 1003. - Seller-12/16/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-36378.2'. Assets are Insufficient. Insufficient funds to close - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. Please see attached Final CD on B1's primary residence showing cash to borrower for $XXXX and updated PC 1003. - Seller-12/16/2025 | Resolved-Received sufficient assets. Total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor-04/07/2026<br>| Verified employment history exceeds guidelines - 13 years same business<br>Qualifying DTI below maximum allowed - 38.70% DTI is below max of 50%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6449406 |
| 876303 | XXXX | XXXX | XXXX D A | Closed | FCRE8887 | 2025-12-05 11:54 | 2026-01-15 14:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received Affidavit of Notary Correction. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-01/14/2026 <br> Open-Final App signed 11/20 Notary on file dated prior(XXXX) to Note & Sec Inst(XXXX) - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/14/2026<br>| Resolved-Received Affidavit of Notary Correction. - Due Diligence Vendor-01/15/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 809<br>LTV is less than guideline maximum - Required is 75 Borrower has 60 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6505643 |
| 876303 | XXXX | XXXX | XXXX D A | Closed | FCRE0177 | 2025-12-04 11:11 | 2025-12-12 12:11 | Resolved | 1 - Information D A | Credit | Eligibility | Missing Third Party Market Rent Source | Resolved-Received 1007 with STR estimate. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-12/05/2025 <br> Open-Missing Third Party Market Rent Source Missing STR analysis - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/05/2025<br>| Resolved-Received 1007 with STR estimate. - Due Diligence Vendor-12/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 809<br>LTV is less than guideline maximum - Required is 75 Borrower has 60 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6484610 |
| 883223 | XXXX | XXXX | XXXX C A | Closed | FCRE8701 | 2025-12-09 11:18 | 2025-12-22 12:37 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received EIN. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. Please see attached EIN - Seller-12/19/2025 <br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing EIN for XXXX. - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. Please see attached EIN - Seller-12/19/2025<br>| Resolved-Received EIN. - Due Diligence Vendor-12/22/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less--- Borrower's DSCR %1.473 & min is 0 Required is 0 Borrower has 1.473<br>LTV is less than guideline maximum - Max LTV is 65 Borrower has 53.92 Required is 85 Borrower has 53.92<br>DSCR % greater than 1.20 - DSCR % greater than 1.20---Borrower has 1.473 Required is 0 Borrower has 1.473<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 600 Borrower has 752 Required is 600 Borrower has 752 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6548396 |
| 883223 | XXXX | XXXX | XXXX C A | Closed | FCRE1204 | 2025-12-09 12:01 | 2025-12-22 12:35 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received fraud report with all high and medium alerts addressed. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. Please see attached cleared alerts - Seller-12/20/2025 <br> Open-Fraud Report Shows Uncleared Alerts Missing the final Fraud Report with all/ any deficiencies or red flags noted cleared and documented. - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. Please see attached cleared alerts - Seller-12/20/2025<br>| Resolved-Received fraud report with all high and medium alerts addressed. - Due Diligence Vendor-12/22/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less--- Borrower's DSCR %1.473 & min is 0 Required is 0 Borrower has 1.473<br>LTV is less than guideline maximum - Max LTV is 65 Borrower has 53.92 Required is 85 Borrower has 53.92<br>DSCR % greater than 1.20 - DSCR % greater than 1.20---Borrower has 1.473 Required is 0 Borrower has 1.473<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 600 Borrower has 752 Required is 600 Borrower has 752 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6550457 |
| 883226 | XXXX | XXXX | XXXX D A | Closed | FCRE1506 | 2025-12-10 13:29 | 2026-02-03 17:33 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received income documents. The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. The requested documents were included in the delivered loan file. Please refer to page 199-216 and attached herein. - Seller-12/10/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending income documents - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. The requested documents were included in the delivered loan file. Please refer to page 199-216 and attached herein. - Seller-12/10/2025<br>| Resolved-Received income documents. The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/07/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.03 Required is 50 Borrower has 35.03<br>LTV is less than guideline maximum - Required is 80 Borrower has 74.27 Required is 80 Borrower has 74.27<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 747 Required is 680 Borrower has 747 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6571273 |
| 883226 | XXXX | XXXX | XXXX D A | Closed | FCRE7805 | 2025-12-09 13:20 | 2025-12-12 13:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-Upon further review, the loan file contained all required asset documentation. - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. The requested documents were included in the delivered loan file. Please refer to page 199-216 and attached herein. - Seller-12/10/2025 <br> Open-Missing 2 bank statements for XXXX per GL 3 months required - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. The requested documents were included in the delivered loan file. Please refer to page 199-216 and attached herein. - Seller-12/10/2025<br>| Resolved-Upon further review, the loan file contained all required asset documentation. - Due Diligence Vendor-12/12/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.03 Required is 50 Borrower has 35.03<br>LTV is less than guideline maximum - Required is 80 Borrower has 74.27 Required is 80 Borrower has 74.27<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 747 Required is 680 Borrower has 747 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6552717 |
| 883226 | XXXX | XXXX | XXXX D A | Closed | FCRE5790 | 2025-12-09 12:59 | 2025-12-12 13:56 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. The Final DV delivered with the loan file had the UDM monitoring started on XXXX, which is within 10 days of note/closing. Please refer to page 13 of the attached DV - Seller-12/10/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. The Final DV delivered with the loan file had the UDM monitoring started on XXXX, which is within 10 days of note/closing. Please refer to page 13 of the attached DV - Seller-12/10/2025 | Resolved-Received UDM - Due Diligence Vendor-12/12/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.03 Required is 50 Borrower has 35.03<br>LTV is less than guideline maximum - Required is 80 Borrower has 74.27 Required is 80 Borrower has 74.27<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 747 Required is 680 Borrower has 747 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6552075 |
| 888297 | XXXX | XXXX | XXXX C A | Closed | FCRE1198 | 2025-12-12 14:32 | 2026-01-15 14:49 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Upon further review, the approved Matrix dated XXXX 6 months reserves required. Audited Reserves of 6.78 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. Defect is not Valid, Please escalate this concern to upper management.... - Seller-01/13/2026 <br> Counter-Received Matrix reflecting ltv greater than 85% requires 12 months reserves. Finding remains. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Disagree, the Lock date determines which Matrix is used for qualifying purposes (loan is locked XXXX). Lender notes the subject loan's product is XXXX - Alt / Full 30 Yr Fixed- Alt / Full 30 Yr Fixed \*\*\* 12mo Bank stmt, for PURCHASE of PRIMARY \*\*\*\* Subject LTV is at 90% (>85%LTV)\*\*\*, the LTV requires 6 months reserves due to the XXXX Matrix reads as follows: 6 Months > 85% LTV. Screenshot has been provided and matrix also uploaded according to locked date of XXXX. Please escalate for manager review<br> - Seller-01/06/2026 <br> Counter-Matrix dated XXXX provided, however the loan was submitted with XXXX Matrix. Please note both the XXXX and XXXX requires 12 months reserves based on the LTV. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. - Seller-12/29/2025 <br> Counter-We can not clear findings with guidelines/matrix received through stip clearing. Provide updated guidelines through required channel as we do not have access to the XXXX Matrix to comply with request. - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. Please escalate for manager review and not just counter… the 6.30 matrix TPR audit used is outdated, this loan complies to the Matrix associated to XXXX.…. Please rush and clear as soon as possible \*\*\*Turn times are essential for business continuity - Seller-12/21/2025 <br> Counter-Received Matrix. Date of Matrix undetermined. Audit used matrix dated XXXX that requires 12 months for LTV >85%. (None for ≤ 75% LTV, 6 Months for > 75% LTV, 12 Months > 85% LTV, 12 Months for < 620 FICO) - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. Please see attached XXXX Matrix requires 6 months reserves not 12 months. Also, Lender notes FTC $64,080.66 (After EMD $10k) + @6 mo reserves $31,110.54 = total $95,191.20 is less than : <br> Verified funds $100,405.21 (is sufficient to cover the total required funds) <br>- Seller-12/16/2025 <br> Open-Audited Reserves of 6.78 month(s) are less than Guideline Required Reserves of 12 month(s) Audited Reserves of 6.86 month(s) are less than Guideline Required Reserves of 12 month(s). 12 months required for >85% LTV. - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. Defect is not Valid, Please escalate this concern to upper management.... - Seller-01/13/2026 <br> Ready for Review-Disagree, the Lock date determines which Matrix is used for qualifying purposes (loan is locked XXXX). Lender notes the subject loan's product is XXXX - Alt / Full 30 Yr Fixed- Alt / Full 30 Yr Fixed \*\*\* 12mo Bank stmt, for PURCHASE of PRIMARY \*\*\*\* Subject LTV is at 90% (>85%LTV)\*\*\*, the LTV requires 6 months reserves due to the XXXX Matrix reads as follows: 6 Months > 85% LTV. Screenshot has been provided and matrix also uploaded according to locked date of XXXX. Please escalate for manager review<br> - Seller-01/06/2026 <br> Ready for Review-Document Uploaded. - Seller-12/29/2025 <br> Ready for Review-Document Uploaded. Please escalate for manager review and not just counter… the 6.30 matrix TPR audit used is outdated, this loan complies to the Matrix associated to XXXX.…. Please rush and clear as soon as possible \*\*\*Turn times are essential for business continuity - Seller-12/21/2025 <br> Ready for Review-Document Uploaded. Please see attached XXXX Matrix requires 6 months reserves not 12 months. Also, Lender notes FTC $64,080.66 (After EMD $10k) + @6 mo reserves $31,110.54 = total $95,191.20 is less than : <br> Verified funds $100,405.21 (is sufficient to cover the total required funds) <br>- Seller-12/16/2025 | Resolved-Upon further review, the approved Matrix dated XXXX 6 months reserves required. Audited Reserves of 6.78 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-01/15/2026 | Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700. Borrower has 736. Required is 700 Borrower has 736<br>Qualifying DTI below maximum allowed - DTI Required is 50.49%. Borrower has 45.19%. Required is 50.49 Borrower has 45.44 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6607232 |
| 888297 | XXXX | XXXX | XXXX C A | Closed | FCRE1206 | 2025-12-15 12:15 | 2025-12-31 13:49 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. please see attached updated DataVerify - Seller-12/29/2025 <br> Counter-Provide evidence Seller is not on XXXX list. - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Please clear as soon as possible... Additional request for updated fraud report is not valid, please escalate for manager review. - Seller-12/21/2025 <br> Counter-Received Sam. Missing Fraud report reflecting all parties included in Loan Participant Analysis. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-12/16/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Appraiser, seller, and settlement agent are missing from the loan participants list. - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. please see attached updated XXXX - Seller-12/29/2025 <br> Ready for Review-Please clear as soon as possible... Additional request for updated fraud report is not valid, please escalate for manager review. - Seller-12/21/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-12/16/2025 | Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700. Borrower has 736. Required is 700 Borrower has 736<br>Qualifying DTI below maximum allowed - DTI Required is 50.49%. Borrower has 45.19%. Required is 50.49 Borrower has 45.44 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6626693 |
| 890290 | XXXX | XXXX | XXXX C B A | Closed | FCRE1440 | 2025-12-12 13:42 | 2026-01-13 15:16 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Credit supplement shows 0x30x11 and proof of XXXX payment was provided and paid XXXX. The borrower has no late payments in the last 12 months. - Due Diligence Vendor-01/13/2026 <br> Counter-Credit report reflects 2x30 XXXX, application date XXXX. Lender exception noted in the comments indicating Velvet XXXX does not allow any 30 day lates in last 12 months, however; there was no evidence of the approved exception on file. (partial pg 414) Review has not received confirmation of 12 months 0x30 for subject mortgage. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-I disagree. The audit finding indicates the credit report reflects 2x30x12 and therefore remains; however, this determination is not supported by the credit report. The credit report reflects only one 30-day late mortgage payment in XXXX. There are no late payments reported in XXXX, and the borrower's XXXX mortgage payment was made in XXXX, evidencing timely payment history. In accordance with Non-QM guidelines, the borrower does not demonstrate two 30-day late payments within the most recent 12-month period. As such, the 2x30x12 designation is inaccurate, and the finding should be cleared. Please clear this finding or escalate to management. - Seller-01/07/2026 <br> Counter-No new upload received. Finding remains. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Credit report is reflecting 2x30x12. Finding remains. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-I disagree. Credit report clearly shows the last 30 days late was only in XXXX and none in XXXX as noted in the credit report. The mortgage statement showing due date of XXXX was paid in advance on XXXX thus making it 0 x 30 x 12 for XXXX. Please clear this finding or escalate to management. - Seller-12/28/2025 <br> Counter-Credit report is reflecting 2x30x12. Finding remains. - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. I disagree. Please see attached XXXX mortgage payment made on XXXX thus there is no late payment from XXXX to XXXX which shows 0 x 30 x 12 housing payment history. Please clear this finding. - Seller-12/23/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Lender exception noted in the comments indicating XXXX does not allow any 30 day lates in last 12 months, however; there was no evidence of the approved exception on file. (partial pg 414) - Due Diligence Vendor-12/12/2025 | Ready for Review-I disagree. The audit finding indicates the credit report reflects 2x30x12 and therefore remains; however, this determination is not supported by the credit report. The credit report reflects only one 30-day late mortgage payment in XXXX. There are no late payments reported in XXXX, and the borrower's XXXX mortgage payment was made in XXXX, evidencing timely payment history. In accordance with Non-QM guidelines, the borrower does not demonstrate two 30-day late payments within the most recent 12-month period. As such, the 2x30x12 designation is inaccurate, and the finding should be cleared. Please clear this finding or escalate to management. - Seller-01/07/2026 <br> Ready for Review-I disagree. Credit report clearly shows the last 30 days late was only in XXXX and none in XXXX as noted in the credit report. The mortgage statement showing due date of XXXX was paid in advance on XXXX thus making it 0 x 30 x 12 for XXXX. Please clear this finding or escalate to management. - Seller-12/28/2025 <br> Ready for Review-Document Uploaded. I disagree. Please see attached XXXX mortgage payment made on XXXX thus there is no late payment from XXXX to XXXX which shows 0 x 30 x 12 housing payment history. Please clear this finding. - Seller-12/23/2025 | Resolved-Credit supplement shows 0x30x11 and proof of XXXX payment was provided and paid XXXX. The borrower has no late payments in the last 12 months. - Due Diligence Vendor-01/13/2026 | Months Reserves exceed minimum required - 8.71 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 724 Required is 680 Borrower has 724 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6606177 |
| 890290 | XXXX | XXXX | XXXX C B A | Closed | FPRO0025 | 2025-12-12 13:19 | 2025-12-24 14:13 | Resolved | 1 - Information C A | Property | Property Issue | Smoke Detector/Carbon Monoxide detector has issues | Resolved-Upon further review, interior inspection appraisal did not Note any deficiencies. - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Also the document you are referencing is our request for the BPO and since the BPO's are external only, this would not apply. As for the appraisal report, XXXX only requires Appraiser to comment on items that are deficient. Since th Appraiser did not comment, then it is implied that the detectors are installed. Please clear this finding. - Seller-12/23/2025 <br> Ready for Review-Please note that page 275 indicating appraiser must provide photos or comment that CO2 & smoke detectors are installed was done on XXXX while the appraisal report was done on XXXX thus the appraiser had no knowledge of this comments from XXXX report. Also XXXX does not require appraisers to comment on the presence or absence of carbon monoxide (CO) detectors. FNMA only requires appraisers to report observable physical deficiencies that affect safety, soundness or marketability. Thus if there are no comments from the appraiser then it is assumed that there is no issue with the CO2 and smoke detectors. CO detectors fall under local/state code compliance which is the lender's responsibility- not the appraiser's. Please clear this finding. - Seller-12/23/2025 <br> Open-Comments (pg 275) indicated the appraiser must provide photos or comment that CO2 & Smoke detectors are installed. There was no evidence to indicate that was resolved. - Due Diligence Vendor-12/12/2025 | Ready for Review-Also the document you are referencing is our request for the BPO and since the BPO's are external only, this would not apply. As for the appraisal report, XXXX only requires Appraiser to comment on items that are deficient. Since th Appraiser did not comment, then it is implied that the detectors are installed. Please clear this finding. - Seller-12/23/2025 <br> Ready for Review-Please note that page 275 indicating appraiser must provide photos or comment that CO2 & smoke detectors are installed was done on XXXX while the appraisal report was done on XXXX thus the appraiser had no knowledge of this comments from XXXX report. Also XXXX does not require appraisers to comment on the presence or absence of carbon monoxide (CO) detectors. XXXX only requires appraisers to report observable physical deficiencies that affect safety, soundness or marketability. Thus if there are no comments from the appraiser then it is assumed that there is no issue with the CO2 and smoke detectors. CO detectors fall under local/state code compliance which is the lender's responsibility- not the appraiser's. Please clear this finding. - Seller-12/23/2025 | Resolved-Upon further review, interior inspection appraisal did not Note any deficiencies. - Due Diligence Vendor-12/24/2025<br>| Months Reserves exceed minimum required - 8.71 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 724 Required is 680 Borrower has 724 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6605607 |
| 890290 | XXXX | XXXX | XXXX C B A | Closed | FPRO1251 | 2025-12-12 14:07 | 2025-12-18 15:22 | Waived | 2 - Non-Material C B | Property | Property Issue | Property Zoning Does Not Meet Program Requirements | Waived-Originator provided a waiver for zoning, applied to non material finding with comp factors<br> - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. Please see attached approved Exception Request form for commercial zoned property. - Seller-12/16/2025 <br> Open-Comments referenced a lender exception in regards to the subject property zone, however; there was no evidence of the approved exception on file. (partial on pg 416) - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. Please see attached approved Exception Request form for commercial zoned property. - Seller-12/16/2025<br>| Waived-Originator provided a waiver for zoning, applied to non material finding with comp factors<br> - Due Diligence Vendor-12/18/2025<br>| Months Reserves exceed minimum required - 8.71 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 724 Required is 680 Borrower has 724 | 720 fico<br> -70% ltv<br> 12 month reserves | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 6606687 |
| 891747 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 915966 | XXXX | XXXX | XXXX D B A | Closed | FCRE1455 | 2026-01-07 16:25 | 2026-02-03 11:08 | Waived | 2 - Non-Material C B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Originator waiver applied to non material finding with comp factors. XXXX account XXXX does not meet guide 7.1 as documentation is not a VOD. Deemed non-material due to account opened after application date with evidence borrowers own business account is in.<br> - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Your finding related to XXXX is not applicable based on the timing requirements of Guide 7.1.<br> Per Guide 7.1 – Verification of Assets, lenders must obtain complete copies of bank statements covering the most recent 30 days prior to the application date. Summary statement is not acceptable. Accounts that did not exist during this required 30-day period cannot be subject to this requirement.<br> The loan application date is XXXX. XXXXwas opened on XXXX, which is after the application date. As such, this account did not exist during the most recent 30 days prior to the application date and is outside the scope of Guide 7.1's documentation requirements. <br> The asset used to meet verification requirements is a XXXX account. A complete XXXX bank statement covering the period from XXXX through XXXX was provided in the loan file. This statement:<br> • Falls within the most recent 30 days prior to the application date<br> • Includes full transaction history<br> • Is a complete statement, not a summary page<br> • Reflects an ending balance of $5,902.47<br> Accordingly, the documentation provided satisfies the requirements of Guide 7.1. The XXXX does not require a 30-day bank statement, and the finding should be cleared or escalate to management. <br> - Seller-01/29/2026 <br> Counter-Received the Account verification for XXXX. The verification does not list a balance for the account and the account statement only covers 1 day (XXXX). Missing the 30 day account statement required by the guidelines for the XXXX. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. Per Guide 7.1 – Verification of Assets, the requirement is to provide complete copies of bank statements from the most recent 30 days prior to the application date; a summary statement is not acceptable.<br> • The loan application date is XXXX. A complete XXXX bank statement covering the period XXXX through XXXX, with an ending balance of $5,902.47, was provided in the loan file. This statement falls within the most recent 30 days prior to the application date and includes full transaction details, not a summary page.<br> • Accordingly, the documentation provided meets the requirements of Guide 7.1. Please see the attached XXXX statement.<br> - Seller-01/26/2026 <br> Counter-Received Guide 7.1. Review of guideline provided reflect "Complete copies of bank statements or investment portfolio statements from the most recent <br> 30 days prior to the application date. Summary statement is not acceptable" - Due Diligence Vendor-01/26/2026 <br> Ready for Review-The VOD and accompanying account summary provided in the loan file meet the documentation requirements for verifying the borrower's assets. While the VOD did not list a current balance, the summary included in the file does reflect the account balance and supports the asset amount used in underwriting. Together, these documents provide a complete and accurate verification of funds.<br> The guideline requires either a complete account statement or a VOD that reflects the balance. In this case, the combination of the VOD and the account summary satisfies the intent of the guideline by clearly documenting the account ownership, account type, and available balance. No conflicting information is present, and the verified funds were appropriately considered in the loan decision.<br> Based on the documentation provided, we respectfully request reconsideration and removal of this finding.<br> - Seller-01/23/2026 <br> Counter-Received VOD and summary. Account verification in file did not reflect a balance and guideline require a complete statement or VOD reflecting balance. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Please note that account was opened only on XXXX per VOD dated XXXX. - Seller-01/17/2026 <br> Ready for Review-Document Uploaded. See attached VOD and Statement. - Seller-01/17/2026 <br> Counter-Received summary statement only. Asset must meet requirements of 7..1 complete copy of bk statement for most recent 30 days Or VOD. - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. I disagree. DSCR eligibility Guide Section 7.1 Verification of Assets states - May use any of the following for asset verification - VOD completed by the verifying financial institution (XXXX form 1006) or equivalent - 2 month average not required or complete bank copies of bank statements from the most recent 30 days prior to the application date. This means there is a choice to what method to be used for asset verification. In this case, it was the VOD. A VOD completed by the verifying financial institution was provided in the file thus meeting the requirement for asset verification. No issues found. Please clear this finding or escalate to management. - Seller-01/08/2026 <br> Open-Asset 1 Less Than 2 Months Verified Guides require complete copies of bank statement from the most recent 30 days prior to the application date. Letter in file reflects the account was opened XXXX. Lender to provide an updated 30-day bank statement documenting sufficient funds for closing/reserves. - Due Diligence Vendor-01/07/2026 | Ready for Review-Your finding related to XXXX is not applicable based on the timing requirements of Guide 7.1.<br> Per Guide 7.1 – Verification of Assets, lenders must obtain complete copies of bank statements covering the most recent 30 days prior to the application date. Summary statement is not acceptable. Accounts that did not exist during this required 30-day period cannot be subject to this requirement.<br> The loan application date is XXXX.XXXX was opened on XXXX, which is after the application date. As such, this account did not exist during the most recent 30 days prior to the application date and is outside the scope of Guide 7.1's documentation requirements. <br> The asset used to meet verification requirements is a XXXX account. A complete XXXX bank statement covering the period from XXXX through XXXX was provided in the loan file. This statement:<br> • Falls within the most recent 30 days prior to the application date<br> • Includes full transaction history<br> • Is a complete statement, not a summary page<br> • Reflects an ending balance of $5,902.47<br> Accordingly, the documentation provided satisfies the requirements of Guide 7.1. The XXXX does not require a 30-day bank statement, and the finding should be cleared or escalate to management. <br> - Seller-01/29/2026 <br> Ready for Review-Document Uploaded. Per Guide 7.1 – Verification of Assets, the requirement is to provide complete copies of bank statements from the most recent 30 days prior to the application date; a summary statement is not acceptable.<br> • The loan application date is XXXX. A complete XXXX bank statement covering the period XXXX through XXXX, with an ending balance of $5,902.47, was provided in the loan file. This statement falls within the most recent 30 days prior to the application date and includes full transaction details, not a summary page.<br> • Accordingly, the documentation provided meets the requirements of Guide 7.1. Please see the attached XXXX statement.<br> - Seller-01/26/2026 <br> Ready for Review-The VOD and accompanying account summary provided in the loan file meet the documentation requirements for verifying the borrower's assets. While the VOD did not list a current balance, the summary included in the file does reflect the account balance and supports the asset amount used in underwriting. Together, these documents provide a complete and accurate verification of funds.<br> The guideline requires either a complete account statement or a VOD that reflects the balance. In this case, the combination of the VOD and the account summary satisfies the intent of the guideline by clearly documenting the account ownership, account type, and available balance. No conflicting information is present, and the verified funds were appropriately considered in the loan decision.<br> Based on the documentation provided, we respectfully request reconsideration and removal of this finding.<br> - Seller-01/23/2026 <br> Ready for Review-Please note that account was opened only on XXXX per VOD dated XXXX. - Seller-01/17/2026 <br> Ready for Review-Document Uploaded. See attached VOD and Statement. - Seller-01/17/2026 <br> Ready for Review-Document Uploaded. I disagree. DSCR eligibility Guide Section 7.1 Verification of Assets states - May use any of the following for asset verification - VOD completed by the verifying financial institution (XXXX form 1006) or equivalent - 2 month average not required or complete bank copies of bank statements from the most recent 30 days prior to the application date. This means there is a choice to what method to be used for asset verification. In this case, it was the VOD. A VOD completed by the verifying financial institution was provided in the file thus meeting the requirement for asset verification. No issues found. Please clear this finding or escalate to management. - Seller-01/08/2026 | Waived-Originator waiver applied to non material finding with comp factors. XXXX does not meet guide 7.1 as documentation is not a VOD. Deemed non-material due to account opened after application date with evidence borrowers own business account is in.<br> - Due Diligence Vendor-02/03/2026 | Months Reserves exceed minimum required - Reserves in the amount of 54.85 months; 6 months required.<br>LTV is less than guideline maximum - Required is 70 Borrower has 50 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 6968924 |
| 915966 | XXXX | XXXX | XXXX D B A | Closed | FCRE8887 | 2026-01-07 16:35 | 2026-01-26 14:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received updated 1003. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Please see attached snippet of commercial loan application. Please check the highlighted XXXX address on page 1 of the commercial loan application. Please clear this finding. - Seller-01/23/2026 <br> Ready for Review-Document Uploaded. - Seller-01/22/2026 <br> Counter-Received 1003. 1003 still not reflecting XXXX address. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. See attached Final 1003 all pages. - Seller-01/17/2026 <br> Counter-Received partial application. Please provide full page application reflecting XXXX address. - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. I disagree. Please see attached 1003 applicant's info showing borrower is a foreign national whose present address is in XXXX. Also, the full legal name is XXXXl as evidenced from XXXX statement, passport and visa. Please clear this finding. - Seller-01/08/2026 <br> Open-The application must include the borrower's full legal name, phone number, address including flat, floor, unit or house number, street name, city, province/state along with a postal code. - Due Diligence Vendor-01/07/2026 | Ready for Review-Please see attached snippet of commercial loan application. Please check the highlighted XXXX address on page 1 of the commercial loan application. Please clear this finding. - Seller-01/23/2026 <br> Ready for Review-Document Uploaded. - Seller-01/22/2026 <br> Ready for Review-Document Uploaded. See attached Final 1003 all pages. - Seller-01/17/2026 <br> Ready for Review-Document Uploaded. I disagree. Please see attached 1003 applicant's info showing borrower is a foreign national whose present address is in XXXX. Also, the full legal name is XXXX as evidenced from XXXX statement, passport and XXXX. Please clear this finding. - Seller-01/08/2026 | Resolved-Received updated 1003. - Due Diligence Vendor-01/26/2026<br>| Months Reserves exceed minimum required - Reserves in the amount of 54.85 months; 6 months required.<br>LTV is less than guideline maximum - Required is 70 Borrower has 50 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6969144 |
| 915966 | XXXX | XXXX | XXXX D B A | Closed | FCRE8702 | 2026-01-07 17:13 | 2026-01-10 15:12 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received LLC Certificate of Authorization. - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. Please see attached LLC Borrowing Certificate and Articles of Organization. Please clear this finding. - Seller-01/08/2026 <br> Open-The Business Entity Formation Document is incomplete Missing the LLC's Certificate of Authorization (consent of members) for the person executing all documents on behalf of the Entity. - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. Please see attached LLC Borrowing Certificate and Articles of Organization. Please clear this finding. - Seller-01/08/2026<br>| Resolved-Received LLC Certificate of Authorization. - Due Diligence Vendor-01/10/2026<br>| Months Reserves exceed minimum required - Reserves in the amount of 54.85 months; 6 months required.<br>LTV is less than guideline maximum - Required is 70 Borrower has 50 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6969854 |
| 930467 | XXXX | XXXX | XXXX D A | Closed | FCRE0177 | 2026-01-14 12:43 | 2026-01-20 16:21 | Resolved | 1 - Information D A | Credit | Eligibility | Missing Third Party Market Rent Source | Resolved-Received Short Term Rental report reflecting Daily and Occupancy rate as required. - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Document Uploaded. We respectfully disagree. According to DSCR guidelines, section 3.4; An alternative market rent analysis similar to XXXX Form 1007/1025 is allowed. The delivered loan file included an STR Feasibility Report from Act Appraisal. - Seller-01/16/2026 <br> Open-Missing Third Party Market Rent Source Provide 1007 , 12 months rental history from 3rd party management services or The most recent 12-month bank statements from the borrower evidencing short term rental deposits, XXXX not allowed on refinance only purchases. Additional findings may apply. - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. We respectfully disagree. According to DSCR guidelines, section 3.4; An alternative market rent analysis similar to XXXX Form 1007/1025 is allowed. The delivered loan file included an STR Feasibility Report from Act Appraisal. - Seller-01/16/2026 | Resolved-Received Short Term Rental report reflecting Daily and Occupancy rate as required. - Due Diligence Vendor-01/20/2026<br>| Months Reserves exceed minimum required - 18 Months Reserves exceed 6 months minimum required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 773 Required is 640 Borrower has 773 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7090237 |
| 964132 | XXXX | XXXX | XXXX C A | Closed | FCRE9501 | 2026-01-30 08:16 | 2026-02-25 12:33 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received additional Assets. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/23/2026 <br> Counter-Received Wire Receipt for closing funds. Please provide the Bank Statement from XXXX. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/19/2026 <br> Counter-Finding remains.. Client provided Matrix showing no reserves required which we are not showing any reserve requirement. also provided QNB statements already in file. No new statements provided. Borrower still short funds to close. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/09/2026 <br> Counter-Statement with an additional deposit of $34,783.00 provided. Assets are calculating at $14,509.32 short to close. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. see attached. - Seller-02/05/2026 <br> Counter-QNB assets provided however they are dated prior to the XXXX Balance. Finding remains. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. See attached. - Seller-02/03/2026 <br> Counter-We are actually short to close by $49,292.32. Available assets at closing is $522.41 (XXXX). - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. Reserves are not required. Please see attached applicable matrix. - Seller-01/30/2026 <br> Open-Total Qualified Assets Post-Close amount is '$-49292.32'. Assets are Insufficient. Provide sufficient assets to meet total reserve requirements. - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/23/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/19/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/09/2026 <br> Ready for Review-Document Uploaded. see attached. - Seller-02/05/2026 <br> Ready for Review-Document Uploaded. See attached. - Seller-02/03/2026 <br> Ready for Review-Document Uploaded. Reserves are not required. Please see attached applicable matrix. - Seller-01/30/2026 | Resolved-Received additional Assets. - Due Diligence Vendor-02/25/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 65 Required is 70 Borrower has 65<br>Long term residence - Borrower has resided at primary address on 1003 for 19 yrs |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7370418 |
| 965423 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 969615 | XXXX | XXXX | XXXX D A | Closed | FCRE1143 | 2026-01-30 08:17 | 2026-02-09 07:43 | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-Client provided information regarding the HOA Control. GL states The developer may be in control of the condo assoc as long as the master agreement provides for the homeowners to take control up a predetermined percent of unit sales - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. - Seller-02/05/2026 <br> Ready for Review-Please see attached email from HOA states "The HOA turnover occurs at 90% closed units. Best, XXXX Condo"\*\*\* HOA transfers at 90% - Seller-02/05/2026 <br> Open-Builder is in control of HOA New Construction Built in XXXX. - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. - Seller-02/05/2026 <br> Ready for Review-Please see attached email from HOA states "The HOA turnover occurs at 90% closed units. XXXX Condo"\*\*\* HOA transfers at 90% - Seller-02/05/2026 | Resolved-Client provided information regarding the HOA Control. GL states The developer may be in control of the condo assoc as long as the master agreement provides for the homeowners to take control up a predetermined percent of unit sales - Due Diligence Vendor-02/09/2026<br>| Months Reserves exceed minimum required - Borrower has 413.06 months ; 2 months required.<br>LTV is less than guideline maximum - LTV Required is 70% Borrower has 50%. Required is 70 Borrower has 50 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7370436 |
| 969615 | XXXX | XXXX | XXXX D A | Closed | FCRE0108 | 2026-01-31 20:01 | 2026-02-09 07:37 | Resolved | 1 - Information C A | Credit | Insurance | xxx Coverage not met | Resolved-Received Master Policy that reflects sufficient coverage - Due Diligence Vendor-04/07/2026 <br> Ready for Review-A mortgagee clause naming XXXX, or the servicer is not required for a master property insurance policy, - Seller-02/05/2026 <br> Ready for Review-Document Uploaded. please see attached - Seller-02/05/2026 <br> Counter-Received master policy for XXXX. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. Please see attached coverage with borrower's name and correct unit number - Seller-02/02/2026 <br> Open-xxx Coverage not met. Missing XXXX Coverage not met. - Due Diligence Vendor-02/01/2026 | Ready for Review-A mortgagee clause naming XXXX Mortgage, or the servicer is not required for a master property insurance policy, - Seller-02/05/2026 <br> Ready for Review-Document Uploaded. please see attached - Seller-02/05/2026 <br> Ready for Review-Document Uploaded. Please see attached coverage with borrower's name and correct unit number - Seller-02/02/2026 | Resolved-Received Master Policy that reflects sufficient coverage - Due Diligence Vendor-04/07/2026<br>| Months Reserves exceed minimum required - Borrower has 413.06 months ; 2 months required.<br>LTV is less than guideline maximum - LTV Required is 70% Borrower has 50%. Required is 70 Borrower has 50 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7388231 |
| 969615 | XXXX | XXXX | XXXX D A | Closed | FCRE1174 | 2026-01-31 20:01 | 2026-02-09 07:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Resolved-Condo Master Insurance Policy is fully present - Due Diligence Vendor-02/09/2026 <br> Ready for Review-A mortgagee clause naming XXXX, or the servicer is not required for a master property insurance policy, - Seller-02/05/2026 <br> Ready for Review-Document Uploaded. please see attached - Seller-02/05/2026 <br> Counter-Received master policy for XXXX. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. Please see attached coverage with borrower's name and correct unit number - Seller-02/02/2026 <br> Open-Condo Master Insurance Policy Partially Provided do not belong to our borrower, its a different borrower and a different loan number. - Due Diligence Vendor-02/01/2026 | Ready for Review-A mortgagee clause naming XXXX Mortgage, or the servicer is not required for a master property insurance policy, - Seller-02/05/2026 <br> Ready for Review-Document Uploaded. please see attached - Seller-02/05/2026 <br> Ready for Review-Document Uploaded. Please see attached coverage with borrower's name and correct unit number - Seller-02/02/2026 | Resolved-Condo Master Insurance Policy is fully present - Due Diligence Vendor-02/09/2026<br>| Months Reserves exceed minimum required - Borrower has 413.06 months ; 2 months required.<br>LTV is less than guideline maximum - LTV Required is 70% Borrower has 50%. Required is 70 Borrower has 50 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7388232 |
| 969782 | XXXX | XXXX | XXXX D A C | Closed | FCRE1174 | 2026-02-04 14:16 | 2026-02-09 07:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Resolved-Condo Master Insurance Policy is fully present - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/05/2026 <br> Open-Condo Master Insurance Policy Partially Provided Master Policy document does not reflect the correct loan number and unit number. - Due Diligence Vendor-02/04/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/05/2026<br>| Resolved-Condo Master Insurance Policy is fully present - Due Diligence Vendor-02/09/2026<br>| Months Reserves exceed minimum required - Borrower needs 6 mths reserves. Borrower has 491 mths in reserves.<br>LTV is less than guideline maximum - Max LTV is 70 Borrower has 50 Required is 70 Borrower has 50 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7446321 |
| 969782 | XXXX | XXXX | XXXX D A C | Closed | FPRO0007 | 2026-02-04 13:39 | 2026-02-09 07:46 | Resolved | 1 - Information C A | Property | Property | Condo Warrantable Comment Check | Resolved-Client provided Email confirming HOA turnover will occur at 90% closed units. . GL states The developer may be in control of the condo association as long as the master agreement provides for the homeowners to take control up a predetermined percent of unit sales or within a defined time period. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. Please see attached email from HOA states "The HOA turnover occurs at 90% closed units. Best, XXXX" - Seller-02/05/2026 <br> Open-Make sure guides/matrix are verified and meet for this type of condo. If Condo Project is Not Warrantable ensure comment is left in comment box. Missing the date that the HOA Control from the Developer will be transferred over to the Unit Owners. Without this information, this condo is not acceptable as a Non Warrantable Condo. Upon receipt, additional information maybe required. - Due Diligence Vendor-02/04/2026 | Ready for Review-Document Uploaded. Please see attached email from HOA states "The HOA turnover occurs at 90% closed units. XXXX Condo" - Seller-02/05/2026 | Resolved-Client provided Email confirming HOA turnover will occur at 90% closed units. . GL states The developer may be in control of the condo association as long as the master agreement provides for the homeowners to take control up a predetermined percent of unit sales or within a defined time period. - Due Diligence Vendor-02/09/2026<br>| Months Reserves exceed minimum required - Borrower needs 6 mths reserves. Borrower has 491 mths in reserves.<br>LTV is less than guideline maximum - Max LTV is 70 Borrower has 50 Required is 70 Borrower has 50 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7445454 |
| 971968 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 974898 | XXXX | XXXX | XXXX C A | Closed | FCRE0184 | 2026-02-02 14:34 | 2026-02-06 10:04 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Received business purpose affidavit confirming business use of funds. - Due Diligence Vendor-02/06/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/05/2026 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. - Due Diligence Vendor-02/02/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/05/2026<br>| Resolved-Received business purpose affidavit confirming business use of funds. - Due Diligence Vendor-02/06/2026<br>| Months Reserves exceed minimum required - Min reserves required 6 months. Borrower has 28+ months in reserves. <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less. Borrower's minimum is 0 Borrower has 1.055%. Required is 0 Borrower has 1.055 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7404057 |
| 974898 | XXXX | XXXX | XXXX C A | Closed | FCOM1221 | 2026-02-02 14:42 | 2026-02-06 10:03 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received complete security instrument inclusive of PUD Rider. - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/04/2026 <br> Counter-Received unexecuted PUD riders. Please provide chain of documents to confirmed riders has been recorded with Deed of Trust. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/04/2026 <br> Open-The Deed of Trust is Incomplete Missing the signed PUD Rider. - Due Diligence Vendor-02/02/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/04/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/04/2026<br>| Resolved-Received complete security instrument inclusive of PUD Rider. - Due Diligence Vendor-02/06/2026<br>| Months Reserves exceed minimum required - Min reserves required 6 months. Borrower has 28+ months in reserves. <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less. Borrower's minimum is 0 Borrower has 1.055%. Required is 0 Borrower has 1.055 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7404200 |
| 974898 | XXXX | XXXX | XXXX C A | Closed | FCRE1197 | 2026-02-02 14:40 | 2026-02-04 16:04 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. We respectfully disagree. Minimum FICO for DSCR >1.0 is 640 at max 70% LTV. See attached matrix. - Seller-02/03/2026 <br> Open-Audited FICO of 678 is less than Guideline FICO of 680 Loan does not meet the minimum FICO requirement of 680. - Due Diligence Vendor-02/02/2026 | Ready for Review-Document Uploaded. We respectfully disagree. Minimum FICO for DSCR >1.0 is 640 at max 70% LTV. See attached matrix. - Seller-02/03/2026<br>| Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/04/2026<br>| Months Reserves exceed minimum required - Min reserves required 6 months. Borrower has 28+ months in reserves. <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less. Borrower's minimum is 0 Borrower has 1.055%. Required is 0 Borrower has 1.055 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7404153 |
| 974964 | XXXX | XXXX | XXXX D A | Closed | FCRE7009 | 2026-02-03 10:52 | 2026-02-04 17:35 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-This condition is resolved. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. Please see invoice which shows there was an additional $100 service as a 1 time fee that was included in the premium paid at closing. - Seller-02/04/2026 <br> Counter-Hazard premium on declaration is estimate with no policy number and does not match the CD amount of $1,644.96 paid at closing. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. Please see attached, BINDER / HO3 policy XXXX - Seller-02/04/2026 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Hazard insurance is missing the dwelling coverage amount. - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. Please see invoice which shows there was an additional $100 service as a 1 time fee that was included in the premium paid at closing. - Seller-02/04/2026 <br> Ready for Review-Document Uploaded. Please see attached, BINDER / HO3 policy XXXX and RCE 365,900 - Seller-02/04/2026 | Resolved-This condition is resolved. - Due Diligence Vendor-02/04/2026<br>| LTV is less than guideline maximum - 70% LTV is below 80% max.<br>DSCR % greater than 1.20 - DSCR 1.521 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7418857 |
| 974964 | XXXX | XXXX | XXXX D A | Closed | FCRE1158 | 2026-02-03 11:20 | 2026-02-04 17:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy with binder number was provided. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. Please see invoice which shows there was an additional $100 service as a 1 time fee that was included in the premium paid at closing. - Seller-02/04/2026 <br> Counter-Hazard premium on declaration is estimate with no policy number and does not match the CD amount of $XXXX paid at closing. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. Please see attached, BINDER / HO3 policy XXXX and RCE 365,900 - Seller-02/04/2026 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided . Missing the policy number. - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. Please see invoice which shows there was an additional $100 service as a 1 time fee that was included in the premium paid at closing. - Seller-02/04/2026 <br> Ready for Review-Document Uploaded. Please see attached, BINDER / HO3 policy XXXX and RCE 365,900 - Seller-02/04/2026 | Resolved-Hazard Insurance Policy with binder number was provided. - Due Diligence Vendor-02/04/2026<br>| LTV is less than guideline maximum - 70% LTV is below 80% max.<br>DSCR % greater than 1.20 - DSCR 1.521 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7420137 |
| 974964 | XXXX | XXXX | XXXX D A | Closed | FCRE1197 | 2026-02-03 12:17 | 2026-02-04 13:11 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Matrix dated XXXX allowed 660 fico score. Loan locked XXXX. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. Disagree, Lender notes the matrix was followed correctly at time of loan approval. Please see attached highlighted areas. Please expedite this to be cleared as soon as possible - Seller-02/04/2026 <br> Open-Minimum 700 FICO required for FTHB - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. Disagree, Lender notes the matrix was followed correctly at time of loan approval. Please see attached highlighted areas. Please expedite this to be cleared as soon as possible - Seller-02/04/2026<br>| Resolved-Matrix dated XXXX allowed 660 fico score. Loan locked XXXX. - Due Diligence Vendor-02/04/2026 | LTV is less than guideline maximum - 70% LTV is below 80% max.<br>DSCR % greater than 1.20 - DSCR 1.521 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7421566 |
| 974964 | XXXX | XXXX | XXXX D A | Closed | FCRE1198 | 2026-02-03 12:17 | 2026-02-04 13:11 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of month(s) are greater than or equal to Guideline Required Reserves of 6 month(s), lock date XXXX; utilizing XXXX matrix. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. Disagree, Lender notes the XXXX matrix only requires if FICO < 620 Require 12 Months Reserves. Please expedite this to be cleared as soon as possible - Seller-02/04/2026 <br> Open-Audited Reserves of 5.75 month(s) are less than Guideline Required Reserves of 6 month(s) 6 mos reserves required for FTHB - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. Disagree, Lender notes the XXXX matrix only requires if FICO < 620 Require 12 Months Reserves. Please expedite this to be cleared as soon as possible - Seller-02/04/2026 | Resolved-Audited Reserves of month(s) are greater than or equal to Guideline Required Reserves of 6 month(s), lock date XXXX; utilizing XXXX matrix. - Due Diligence Vendor-02/04/2026 | LTV is less than guideline maximum - 70% LTV is below 80% max.<br>DSCR % greater than 1.20 - DSCR 1.521 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7421567 |
| 979649 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 983590 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| 984711 | XXXX | XXXX | XXXX C B A | Closed | FPRO1257 | 2026-02-13 09:12 | 2026-04-07 11:36 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received all pages of the BPO that validates appraised value - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/20/2026 <br> Counter-It appears the BPO in the loan does not contain all pages including pictures. Please provide all pages of the BPO. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. Please see attached additional valuation product with XXXX valuation XXXX, SSRs are not applicable for 5-10 Unit Properties, see Narrative report may be used to appraise 5+ residential properties and BPO shows Valuation XXXX - Seller-02/14/2026 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. BPPO does not reflect a value. - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/20/2026 <br> Ready for Review-Document Uploaded. Please see attached additional valuation product with XXXX valuation XXXX, SSRs are not applicable for 5-10 Unit Properties, see Narrative report may be used to appraise 5+ residential properties and BPO shows Valuation XXXX - Seller-02/14/2026 | Resolved-Received all pages of the BPO that validates appraised value - Due Diligence Vendor-04/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 Required is 680 Borrower has 758<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.26 Required is 0.75 Borrower has 1.26<br>LTV is less than guideline maximum - Required is 75 Borrower has 65 Required is 75 Borrower has 65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7606937 |
| 984711 | XXXX | XXXX | XXXX C B A | Closed | FCRE0184 | 2026-02-12 16:56 | 2026-02-18 13:55 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Upon further review, guidelines do not require a cash-out letter. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. Please see attached business purpose - Seller-02/14/2026 <br> Open-Missing Cash-out Letter on a Business Purpose Loan. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. Please see attached business purpose - Seller-02/14/2026<br>| Resolved-Upon further review, guidelines do not require a cash-out letter. - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 Required is 680 Borrower has 758<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.26 Required is 0.75 Borrower has 1.26<br>LTV is less than guideline maximum - Required is 75 Borrower has 65 Required is 75 Borrower has 65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7594478 |
| 984711 | XXXX | XXXX | XXXX C B A | Closed | FCRE0138 | 2026-02-12 17:09 | 2026-02-18 13:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Cash out is more than the maximum allowed per LTV guidelines | Waived-Originator provided a waiver for cash out amount, applied to non material finding with comp factors - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. Please see attached exception used for final loan approval - Seller-02/14/2026 <br> Open-Maximum Cash in hand is $XXXX Borrower received $XXXX. 1008 states an exception was granted. The file does not contain any exception. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. Please see attached exception used for final loan approval - Seller-02/14/2026<br>| Waived-Originator provided a waiver for cash out amount, applied to non material finding with comp factors - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 Required is 680 Borrower has 758<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.26 Required is 0.75 Borrower has 1.26<br>LTV is less than guideline maximum - Required is 75 Borrower has 65 Required is 75 Borrower has 65 | mortgage history 0x30 24months<br> FICO 20+ points above min | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 7594800 |
| 984711 | XXXX | XXXX | XXXX C B A | Closed | FCRE7009 | 2026-02-12 16:17 | 2026-02-18 13:48 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received policy with sufficient coverage. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. Please see attached HOI Coverage of $XXXX - Seller-02/14/2026 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Loan amount XXXX coverage is $XXXX - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. Please see attached HOI Coverage of $XXXX - Seller-02/14/2026 | Resolved-Received policy with sufficient coverage. - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 Required is 680 Borrower has 758<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.26 Required is 0.75 Borrower has 1.26<br>LTV is less than guideline maximum - Required is 75 Borrower has 65 Required is 75 Borrower has 65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7593292 |
| 984815 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 984829 | XXXX | XXXX | XXXX D B A C | Closed | finding-3635 | 2026-02-19 09:38 | 2026-04-06 11:46 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. - Seller-02/24/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($465.00) exceed the comparable charges ($355.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. - Seller-02/24/2026<br>| Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-02/26/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 720<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.54 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7696618 |
| 984829 | XXXX | XXXX | XXXX D B A C | Closed | FCRE0184 | 2026-02-13 08:51 | 2026-02-19 09:50 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Per lender, non-business purpose, compliance/TRID has been tested. Please see new compliance finding. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. The loan was originated and disclosed as a consumer non-QM transaction, not a business-purpose loan.<br> • Loan Estimate (LE) and Closing Disclosure (CD) were issued.<br> • Borrowers are signing in individual capacity as wife and husband , as tenants by the entirety, Income was documented via 12 months of business bank statements solely for verification purposes.<br> As the loan is subject to consumer regulations (TILA/RESPA) and not a business-purpose exemption, a Business Purpose Certification or Cash-Out Letter is not applicable. Please clear the condition.<br> - Seller-02/17/2026 <br> Open-Missing Cash-out Letter on a Business Purpose Loan. Missing Bus Purp Cert/Cash Out Ltr - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. The loan was originated and disclosed as a consumer non-QM transaction, not a business-purpose loan.<br> • Loan Estimate (LE) and Closing Disclosure (CD) were issued.<br> • Borrowers are signing in individual capacity as wife and husband , as tenants by the entirety, Income was documented via 12 months of business bank statements solely for verification purposes.<br> As the loan is subject to consumer regulations (TILA/RESPA) and not a business-purpose exemption, a Business Purpose Certification or Cash-Out Letter is not applicable. Please clear the condition.<br> - Seller-02/17/2026<br>| Resolved-Per lender, non-business purpose, compliance/TRID has been tested. Please see new compliance finding. - Due Diligence Vendor-02/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 720<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.54 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7606405 |
| 984829 | XXXX | XXXX | XXXX D B A C | Closed | FCRE1325 | 2026-02-13 08:21 | 2026-02-18 16:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. Please see attached CPA letter. - Seller-02/17/2026 <br> Open-Borrower 1 CPA Letter Missing Missing CPA Ltr (Conf Own %) - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. Please see attached CPA letter. - Seller-02/17/2026<br>| Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 720<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.54 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7605794 |
| 984837 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| 984939 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 986614 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 986624 | XXXX | XXXX | XXXX C B A | Closed | FCRE9996 | 2026-02-17 09:03 | 2026-02-24 13:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Originator provided a waiver for allowing subject property less than 500 sq ft applied to non material finding with comp factors - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with the property being under 500 Sq Ft - Seller-02/20/2026 <br> Open-Guideline, Properties with less than 500 square feet of living space are Ineligible; subject XXXX Sq ft No lawsuits; no building safety, structural or functionality issues. The Developer retains title to most of the development as closing just began last month, although the entire project is sold out preconstruction. - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with the property being under 500 Sq Ft - Seller-02/20/2026<br>| Waived-Originator provided a waiver for allowing subject property less than 500 sq ft applied to non material finding with comp factors - Due Diligence Vendor-02/24/2026<br>| LTV is less than guideline maximum - LTV Required is 70% Borrower has 59.99%. Required is 70 Borrower has 59.99<br>Months Reserves exceed minimum required - The Borrower has 129.28 months in reserves; 6 months required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 7651150 |
| 986624 | XXXX | XXXX | XXXX C B A | Closed | FCRE1143 | 2026-02-17 07:26 | 2026-02-20 10:58 | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-Received confirmation the transfer will happen at 90% of the units closed. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Please see attached snippet of condo master agreement. It shows that transfer of association control will be three months after 90% of the units that will be operated ultimately by the association have been conveyed to purchasers. Please clear this finding, - Seller-02/20/2026 <br> Counter-Received snip of Questionnaire. Review of Guideline- HOA CONTROL- The developer may be in control of the condominium association <br> as long as the Master Agreement provides for the homeowners to take control upon either a predetermined percentage of unit sales or within a defined time period.- File did not include the Master agreement that confirms date or percentage of transfer. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Per the Condominium Project Questionnaire, the Declarant (Builder) currently maintains control of the HOA. However, once 90% of the units have been conveyed/closed, the turnover process to the unit owners will begin in accordance with the governing documents. Please clear this finding. - Seller-02/18/2026 <br> Open-Builder is in control of HOA The Builder is on Controller New Construction. - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. Please see attached snippet of condo master agreement. It shows that transfer of association control will be three months after 90% of the units that will be operated ultimately by the association have been conveyed to purchasers. Please clear this finding, - Seller-02/20/2026 <br> Ready for Review-Document Uploaded. Per the Condominium Project Questionnaire, the Declarant (Builder) currently maintains control of the HOA. However, once 90% of the units have been conveyed/closed, the turnover process to the unit owners will begin in accordance with the governing documents. Please clear this finding. - Seller-02/18/2026 | Resolved-Received confirmation the transfer will happen at 90% of the units closed. - Due Diligence Vendor-02/20/2026<br>| LTV is less than guideline maximum - LTV Required is 70% Borrower has 59.99%. Required is 70 Borrower has 59.99<br>Months Reserves exceed minimum required - The Borrower has 129.28 months in reserves; 6 months required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7648586 |
| 986624 | XXXX | XXXX | XXXX C B A | Closed | FCRE1491 | 2026-02-17 08:36 | 2026-02-20 10:55 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received all required Asset documentation. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. The gift funds referenced in the XXXX, XXXX, and XXXX gift letters were deposited more than three years prior to the current loan application dated XXXX. As such, these funds are considered seasoned assets and are not subject to verification of receipt under current asset documentation guidelines.<br>The Earnest Money Deposit (EMD) totaling $171,940 is fully documented and supported by the attached breakdown as follows:<br>$19,980.00 – XXXX<br>$34,259.81 – XXXX<br>$9,990.00 – XXXX<br>$21,730.00 – XXXX<br>$42,990.19 – XXXX<br>$42,990.00 – XXXX<br>These deposits were made directly to XXXX in connection with the transaction and are reflected on the Final CD. The funds used for the EMD have been seasoned for an extended period prior to the XXXX loan application date.<br>Accordingly, additional documentation evidencing receipt of the XXXX and XXXX gift transfers is not required. Please clear this finding. - Seller-02/18/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Provide Missing evidence of receipt of Gifts. Per gift letters $42,990 was transferred on XXXX and $19,980 on XXXX and $34,259.81 on XXXX. No documentation in file of receipt of these funds. Total EMD from Final CD is $171,940; however, no breakdown if the gift funds are part of this figure. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. The gift funds referenced in the XXXX gift letters were deposited more than three years prior to the current loan application dated XXXX. As such, these funds are considered seasoned assets and are not subject to verification of receipt under current asset documentation guidelines.<br>The Earnest Money Deposit (EMD) totaling $171,940 is fully documented and supported by the attached breakdown as follows:<br>$19,980.00 – XXXX<br>$34,259.81 – XXXX<br>$9,990.00 – XXXX<br>$21,730.00 – XXXX<br>$42,990.19 – XXXX<br>$42,990.00 – XXXX<br>These deposits were made directly to XXXX in connection with the transaction and are reflected on the Final CD. The funds used for the EMD have been seasoned for an extended period prior to the XXXX loan application date.<br>Accordingly, additional documentation evidencing receipt of the XXXX and XXXX gift transfers is not required. Please clear this finding. - Seller-02/18/2026 | Resolved-Received all required Asset documentation. - Due Diligence Vendor-02/20/2026<br>| LTV is less than guideline maximum - LTV Required is 70% Borrower has 59.99%. Required is 70 Borrower has 59.99<br>Months Reserves exceed minimum required - The Borrower has 129.28 months in reserves; 6 months required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7650350 |
| 986624 | XXXX | XXXX | XXXX C B A | Closed | FCRE7375 | 2026-02-17 11:34 | 2026-02-20 10:54 | Waived | 2 - Non-Material C B | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Waived-Originator exception granted for XXXX Foreign National without a XXXX, waiver applied with reviewed compactors - Due Diligence Vendor-02/20/2026 <br> Ready for Review-The exception noted in the file referenced proceeding without a valid XXXX. This exception was granted because the Borrower is a XXXX citizen. XXXX citizens are not required to obtain a XXXX for entry into the XXXX for business or travel purposes.<br>Accordingly, XXXX documentation is not a required eligibility document for this Borrower. While there may be a XXXX renewal document in the file, it is not relevant to the Borrower's eligibility or underwriting determination.<br>Therefore, no additional documentation is required related to XXXX status. Please clear this finding. - Seller-02/18/2026 <br> Open-E-mail regarding exception in the file indicates that an exception for a XXXX has been cleared. No further documentation on what the issue was with the Visa documentation. Renewal of XXXX in file. - Due Diligence Vendor-02/18/2026 | Ready for Review-The exception noted in the file referenced proceeding without a valid XXXX. This exception was granted because the Borrower is a XXXX citizen. XXXX citizens are not required to obtain a XXXX for entry into the XXXX for business or travel purposes.<br>Accordingly, XXXX documentation is not a required eligibility document for this Borrower. While there may be a XXXX renewal document in the file, it is not relevant to the Borrower's eligibility or underwriting determination.<br>Therefore, no additional documentation is required related to XXXX status. Please clear this finding. - Seller-02/18/2026 | Waived-Originator exception granted for XXXX Foreign National without a VISA, waiver applied with reviewed compactors - Due Diligence Vendor-02/20/2026 | LTV is less than guideline maximum - LTV Required is 70% Borrower has 59.99%. Required is 70 Borrower has 59.99<br>Months Reserves exceed minimum required - The Borrower has 129.28 months in reserves; 6 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 7656924 |
| 986629 | XXXX | XXXX | XXXX C B A | Closed | finding-3634 | 2026-02-12 16:06 | 2026-02-26 08:48 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. - Seller-02/24/2026 <br> Counter------Section B of the Loan Estimate and Closing Disclosure ("Services You Cannot Shop For") is subject to a zero tolerance standard under TRID regulations. Fees for services where the borrower cannot choose the provider (e.g., appraisal, credit report, mortgage insurance) cannot increase from the Loan Estimate to the Closing Disclosure unless a valid "changed circumstance" occurs. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. dispute on the CD fee attached - Seller-02/19/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $187.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $127.00 CDA Fee and Reinspection Fee $60.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $187.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. - Seller-02/24/2026 <br>Ready for Review-Document Uploaded. dispute on the CD fee attached - Seller-02/19/2026<br>| Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-02/26/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 804 Required is 680 Borrower has 804<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 28.92 Required is 45 Borrower has 28.92 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7592841 |
| 986629 | XXXX | XXXX | XXXX C B A | Closed | finding-3635 | 2026-02-12 16:06 | 2026-02-19 08:05 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Corrected CD attached showing fees moved to the correct block. Will circle back with the cure for the other condition once this is cleared - Seller-02/18/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,043.20) exceed the comparable charges ($749.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Recording Fee, Abstract/Title Search, and Survey Fee) increased by $219.30 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $219.30, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. Corrected CD attached showing fees moved to the correct block. Will circle back with the cure for the other condition once this is cleared - Seller-02/18/2026<br>| Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-02/19/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 804 Required is 680 Borrower has 804<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 28.92 Required is 45 Borrower has 28.92 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7592844 |
| 987045 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 987053 | XXXX | XXXX | XXXX C A | Closed | FCRE0179 | 2026-02-17 13:48 | 2026-02-20 10:59 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received UW attestation. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/18/2026 <br> Open-UW Attestation/Docs stating warrantability are missing. Missing Underwriter's Attestation confirming the subject warrantability status. Upon receipt, additional conditions maybe required. - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/18/2026<br>| Resolved-Received UW attestation. - Due Diligence Vendor-02/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 739<br>DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0 Borrower has 1.005 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7660518 |
| 987077 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 987089 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 987250 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 987982 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 987988 | XXXX | XXXX | XXXX D A | Closed | FCRE1157 | 2026-02-18 08:18 | 2026-02-20 11:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI policy. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/18/2026 <br> Open-Missing Hazard Insurance Policy Missing the Hazard Insurance Policy. Upon receipt, additional conditions may apply. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/18/2026<br>| Resolved-Received HOI policy. - Due Diligence Vendor-02/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 734 Required is 660 Borrower has 734<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 80 Required is 85 Borrower has 80 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7674505 |
| 988014 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 988021 | XXXX | XXXX | XXXX C A | Closed | FCRE1151 | 2026-02-18 07:50 | 2026-02-20 11:43 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received Satisfactory Chain of Title - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Per Title please refer to page 6, #14 of the attached commitment. - Seller-02/18/2026 <br> Open-Unsatisfactory Chain of Title provided. Provide missing 24 Months Chain of Title. - Due Diligence Vendor-02/18/2026 | Ready for Review-Per Title please refer to page 6, #14 of the attached commitment. - Seller-02/18/2026<br>| Resolved-Received Satisfactory Chain of Title - Due Diligence Vendor-02/20/2026<br>| LTV is less than guideline maximum - LTV Required is 75% Borrower has 70%. Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 660 Borrower has 682. Required is 660 Borrower has 682 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7674048 |
| 988025 | XXXX | XXXX | XXXX C B A | Closed | finding-3540 | 2026-02-13 09:19 | 2026-02-20 12:46 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-----Received initial LE XXXX. Finding Resolved. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. XXXX CD copy was only sent to Escrow for balancing, preclosing document to confirm amounts. Please expedite this to be cleared as soon as possible - Seller-02/19/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. -----CD XXXX is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded.XXXX CD copy was only sent to Escrow for balancing, preclosing document to confirm amounts. Please expedite this to be cleared as soon as possible - Seller-02/19/2026 | Resolved-----Received initial LE XXXX. Finding Resolved. - Due Diligence Vendor-02/20/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.35<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 796 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7607061 |
| 988025 | XXXX | XXXX | XXXX C B A | Closed | finding-651 | 2026-02-13 11:30 | 2026-02-20 12:46 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-PLEASE REVIEW DOCUMENTS PROVIDED ON OTHER SUSPENSE - Seller-02/19/2026 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $741,733.88. The disclosed finance charge of $740,711.20 is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-02/13/2026 | Ready for Review-PLEASE REVIEW DOCUMENTS PROVIDED ON OTHER SUSPENSE - Seller-02/19/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/20/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.35<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 796 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7610975 |
| 988025 | XXXX | XXXX | XXXX C B A | Closed | finding-3732 | 2026-02-13 11:30 | 2026-02-20 12:46 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-PLEASE REVIEW DOCUMENTS PROVIDED ON OTHER SUSPENSE - Seller-02/19/2026 <br> Open-This loan failed the TRID total of payments test. (12 CFR §1026.18(o)(1))The total of payments is $1,263,976.78. The disclosed total of payments of $1,263,179.10 is not considered accurate because it is understated by more than $100 and the provided reimbursement amount of $0.00 is not sufficient to cure the inaccuracy. - Due Diligence Vendor-02/13/2026 | Ready for Review-PLEASE REVIEW DOCUMENTS PROVIDED ON OTHER SUSPENSE - Seller-02/19/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/20/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.35<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 796 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7610976 |
| 988025 | XXXX | XXXX | XXXX C B A | Closed | finding-3652 | 2026-02-13 09:19 | 2026-02-20 12:24 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. LOCK EXTENSION - Seller-02/19/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($3,822.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($4,550.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $4,550.00 to $3,822.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $728.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. LOCK EXTENSION - Seller-02/19/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/20/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.35<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 796 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7607062 |
| 988025 | XXXX | XXXX | XXXX C B A | Closed | finding-3634 | 2026-02-13 09:19 | 2026-02-20 12:06 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-----Received initial LE XXXX. Finding Resolved. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-INITIAL DISCLOSURES UPLOADED - Seller-02/19/2026 <br> Open------Missing Initial LE, unable to test tolerance fees properly. Additional findings may apply upon receipt. - Due Diligence Vendor-02/13/2026 | Ready for Review-INITIAL DISCLOSURES UPLOADED - Seller-02/19/2026<br>| Resolved-----Received initial LE XXXX. Finding Resolved. - Due Diligence Vendor-02/20/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.35<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 796 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7607064 |
| 988025 | XXXX | XXXX | XXXX C B A | Closed | finding-3635 | 2026-02-13 09:19 | 2026-02-20 12:06 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-----Received initial LE XXXX. Finding Resolved. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. INITIAL DISCLOSURES UPLOADED - Seller-02/19/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($4,874.50) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. INITIAL DISCLOSURES UPLOADED - Seller-02/19/2026<br>| Resolved-----Received initial LE XXXX. Finding Resolved. - Due Diligence Vendor-02/20/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.35<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 796 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7607067 |
| 988025 | XXXX | XXXX | XXXX C B A | Closed | finding-3515 | 2026-02-13 09:19 | 2026-02-20 12:06 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-----Received initial LE XXXX. Finding Resolved. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. INITIAL DISCLOSURES UPLOADED - Seller-02/19/2026 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. -----Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. statute of Limitations - 1 year, expiration date XXXX - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. INITIAL DISCLOSURES UPLOADED - Seller-02/19/2026<br>| Resolved-----Received initial LE XXXX. Finding Resolved. - Due Diligence Vendor-02/20/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.35<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 796 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7607068 |
| 988025 | XXXX | XXXX | XXXX C B A | Closed | finding-3838 | 2026-02-13 09:19 | 2026-02-20 12:06 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved-----Received initial LE XXXX. Finding Resolved. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. INITIAL DISCLOSURES UPLOADED - Seller-02/19/2026 <br> Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (12 CFR §1026.19(e)(1)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). -----The Written List of Service Providers Disclosure not issued within 3 Days of Application Date. - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. INITIAL DISCLOSURES UPLOADED - Seller-02/19/2026<br>| Resolved-----Received initial LE XXXX. Finding Resolved. - Due Diligence Vendor-02/20/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.35<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 796 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7607069 |
| 988025 | XXXX | XXXX | XXXX C B A | Closed | finding-3367 | 2026-02-13 09:19 | 2026-02-20 12:06 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-----Received Homeowners Counseling list XXXX. Finding Resolved. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. INITIAL DISCLOSURES UPLOADED - Seller-02/19/2026 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. -----Homeownership Counseling List in file is dated XXXX and not provided to borrower within three days of application date of XXXX. - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. INITIAL DISCLOSURES UPLOADED - Seller-02/19/2026<br>| Resolved-----Received Homeowners Counseling list XXXX. Finding Resolved. - Due Diligence Vendor-02/20/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.35<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 796 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7607063 |
| 988025 | XXXX | XXXX | XXXX C B A | Closed | FCOM1302 | 2026-02-12 15:27 | 2026-02-13 10:27 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '13'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/12/2026 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '13'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/12/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.35<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 796 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 7592107 |
| 988406 | XXXX | XXXX | XXXX D A C | Closed | FCRE1158 | 2026-02-18 12:26 | 2026-02-24 13:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received CD reflecting update of HOI and funds to borrower to confirm 304.76 mo hoi. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. Please see attached PCCD, 1003 and 1008 with corrections. - Seller-02/20/2026 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Missing proof of additional hazard insurance policy that would total $510.25/mth reflected on the final CD. Currently we only have the XXXX HOI Policy of XXXX) documented. Receipt in file for additional premium in the amount of XXXX (XXXX). Please provide HOI Dec Page for XXXX. Upon receipt additional information maybe required. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. Please see attached PCCD, 1003 and 1008 with corrections. - Seller-02/20/2026<br>| Resolved-Received CD reflecting update of HOI and funds to borrower to confirm XXXX mo hoi. - Due Diligence Vendor-02/24/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 Borrower has 739 Required is 700 Borrower has 739<br>Months Reserves exceed minimum required - Min reserves required is 2 months. Borrower has 13.99 mths in reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7680687 |
| 988406 | XXXX | XXXX | XXXX D A C | Closed | FCRE1145 | 2026-02-18 12:03 | 2026-02-20 12:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received Title Commitment. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/19/2026 <br> Open-Title Document is missing Missing the complete Title Report for this subject property. Upon receipt, additional conditions may apply. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/19/2026<br>| Resolved-Received Title Commitment. - Due Diligence Vendor-02/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 Borrower has 739 Required is 700 Borrower has 739<br>Months Reserves exceed minimum required - Min reserves required is 2 months. Borrower has 13.99 mths in reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7680316 |
| 988406 | XXXX | XXXX | XXXX D A C | Closed | FPRO0006 | 2026-02-18 12:03 | 2026-02-20 12:51 | Resolved | 1 - Information C A | Property | Property | Date Property Purchased is blank | Resolved-Received Title Commitment. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. As evidenced by the attached property profile delivered with the loan file, the subject property was purchased by borrower's previous LLC, XXXX, on XXXX. Please see attached LOE from the borrower, also delivered with the loan file, explaining the re-organization of the investment properties to XXXX. - Seller-02/19/2026 <br> Open-Date Property Purchased is blank, must be entered. Missing proof of the date the subject was purchased by borrower (missing Title). Upon receipt, additional conditions maybe required. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. As evidenced by the attached property profile delivered with the loan file, the subject property was purchased by borrower's previous LLC, XXXX. Please see attached LOE from the borrower, also delivered with the loan file, explaining the re-organization of the investment properties to XXXX. - Seller-02/19/2026 | Resolved-Received Title Commitment. - Due Diligence Vendor-02/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 Borrower has 739 Required is 700 Borrower has 739<br>Months Reserves exceed minimum required - Min reserves required is 2 months. Borrower has 13.99 mths in reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7680317 |
| 988495 | XXXX | XXXX | XXXX D A | Closed | FCRE1508 | 2026-02-18 23:47 | 2026-02-20 12:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Foreign National Alternative Credit Documentation is Missing | Resolved-Received 60 days Foreign Bank Statements. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. The delivered loan file included the attached translated bank statement documenting a foreign financial banking relationship for the past 60 days as allowed per XXXX DSCR guidelines section 4.6.3.2. - Seller-02/19/2026 <br> Open-The Alternative Credit Documentation for Foreign National is Missing. Provide One of the following: An international credit report; or<br> • An original credit reference letter from an internationally known financial institution. The reference letter <br> does not need to include details or payment histories of debt obligations located outside of the XXXX.; or<br> • A bank statement documenting a foreign financial banking relationship for the past 60-days may be <br> utilized in this section - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. The delivered loan file included the attached translated bank statement documenting a foreign financial banking relationship for the past 60 days as allowed per XXXX DSCR guidelines section 4.6.3.2. - Seller-02/19/2026 | Resolved-Received 60 days Foreign Bank Statements. - Due Diligence Vendor-02/20/2026<br>| Months Reserves exceed minimum required - <br>LTV is less than guideline maximum - |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7690227 |
| 988616 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 988959 | XXXX | XXXX | XXXX C A | Closed | FCRE8701 | 2026-02-19 13:05 | 2026-02-23 14:09 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received business entity documentation. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please see attached document- Business Entity Formation Document. Please clear this finding. - Seller-02/20/2026 <br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Guidelines state, the following Entity documentation must be provided: <br> • Entity Articles of Organization, Partnership, and Operating Agreements (if applicable) <br> • Employer Identification Number (EIN) Verification Form <br> • Certificate of Good Standing <br> • Certificate of Authorization for the person executing all documents on behalf of the Entity <br> • Entity documentation required for both the state of entity formation and state of the subject property, when they differ. <br> The loan file does not contain the required documents. - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. Please see attached document- Business Entity Formation Document. Please clear this finding. - Seller-02/20/2026<br>| Resolved-Received business entity documentation. - Due Diligence Vendor-02/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 775<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.81<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7703065 |
| 988979 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 988981 | XXXX | XXXX | XXXX C A | Closed | FCRE1510 | 2026-02-13 10:55 | 2026-02-23 13:59 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-02/23/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/20/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/20/2026<br>| Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-02/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.76<br>LTV is less than guideline maximum - LTV Required is 80% Borrower has 70%. Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has 758. Required is 720 Borrower has 758 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7609325 |
| 989846 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 989848 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 989849 | XXXX | XXXX | XXXX C A | Closed | finding-3540 | 2026-02-17 09:50 | 2026-02-24 08:08 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. Please see attached, - Seller-02/23/2026 <br> Counter-There was no attachment - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Please see attached - Seller-02/20/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. --------CD XXXX is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. Please see attached, - Seller-02/23/2026 <br>Ready for Review-Please see attached - Seller-02/20/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 817<br>Qualifying DTI below maximum allowed - Required is 80 Borrower has 44.09<br>LTV is less than guideline maximum - Required is 75 Borrower has 65.22 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7652364 |
| 989864 | XXXX | XXXX | XXXX C A | Closed | FCRE8888 | 2026-02-19 16:29 | 2026-02-23 14:10 | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Mtg Note | Resolved-Received Executed Note. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/20/2026 <br> Open-Note is unexecuted. - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/20/2026<br>| Resolved-Received Executed Note. - Due Diligence Vendor-02/23/2026<br>| LTV is less than guideline maximum - Max LTV is 80 Borrower has 70 Required is 75 Borrower has 70<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less. Min DSCR % is 0 Borrower has 1.379 Required is 0 Borrower has 1.379<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 763 Required is 700 Borrower has 763<br>DSCR % greater than 1.20 - DSCR % greater than 1.20. Min DSCR % is 0 Borrower has 1.379 Required is 0 Borrower has 1.379 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7707661 |
| 989898 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 989921 | XXXX | XXXX | XXXX C A | Closed | FCRE6843 | 2026-02-19 13:47 | 2026-02-24 13:13 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Received gift letter for EMD. 10% own funds not required as primary residence transaction. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Gift letter was provided to support the source of the EMD was from non-borrowing fiancé's business account. Evidence EMD $47,250 cleared the borrower's account is not a valid request. Also, the guidelines requiring to demonstrate that borrowers have 10% of their own funds for the down payment but does not have to be contributed to the transaction are for Investment transactions only. The subject is a Primary Residence.. Please clear this finding. - Seller-02/23/2026 <br> Counter-Received gift letter. Missing evidence EMD $47,250 cleared borrower account. Letter indicate source of XXXX (non-borrowing fiancé's business account). If yes, provide an updated Gift Letter for EMD gifted AND provided additional assets from borrower to verify minimum of 10% funds available for down payment. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/20/2026 <br> Open-Provide evidence that EMD of $47,250 cleared borrower's bank account. (Per Wire receipt, it appears it came from XXXX, in the name of XXXX (non-borrowing fiancé's business account). If yes, provide an updated Gift Letter for EMD gifted AND provided additional assets from borrower to verify minimum of 10% funds available for down payment. - Due Diligence Vendor-02/19/2026 | Ready for Review-Gift letter was provided to support the source of the EMD was from non-borrowing fiancé's business account. Evidence EMD $47,250 cleared the borrower's account is not a valid request. Also, the guidelines requiring to demonstrate that borrowers have 10% of their own funds for the down payment but does not have to be contributed to the transaction are for Investment transactions only. The subject is a Primary Residence.. Please clear this finding. - Seller-02/23/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/20/2026 | Resolved-Received gift letter for EMD. 10% own funds not required as primary residence transaction. - Due Diligence Vendor-02/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 757 Required is 680 Borrower has 757<br>Credit history exceeds minimum required - Timely credit reporting since 10.2015. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7703941 |
| 989922 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 989973 | XXXX | XXXX | XXXX C B A | Closed | FCRE2244 | 2026-02-19 12:42 | 2026-02-24 14:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Originator provided a waiver for living area of XXXX sq ft <500 sq ft required, applied to non material finding with comp factors - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with less than 500 Sq Ft of living space - Seller-02/23/2026 <br> Open-Property Issues are identified for the property Per guides, the minimum square footage required for condotels is 500. Per appraisal the subject square footage is only XXXX. The lender's guidelines indicate that a condotel includes projects where the units are individually owned, and the project offers hotel amenities and projects that offer rentals of units on a daily, weekly, or monthly basis. Per the 1008, the lender has determined the subject property to be a condotel, based on the purchase contract. Audit verified that section 32-f of the contract states "Units may be used for transient rentals, and certain restrictions have been imposed on the rental of same." Additionally, the appraisal reflects the property has certain hotel characteristics/amenities, including: a pool, spa, and cafe & restaurant on premises. - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with less than 500 Sq Ft of living space - Seller-02/23/2026<br>| Waived-Originator provided a waiver for living area of XXXX sq ft <500 sq ft required, applied to non material finding with comp factors - Due Diligence Vendor-02/24/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 727<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 | FICO: 727>700 min required<br> Credit: 24+ months 0x30. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 7702554 |
| 990191 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 990235 | XXXX | XXXX | XXXX C A | Closed | FCRE1206 | 2026-02-19 18:00 | 2026-03-05 12:28 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received XXXX clearance on seller. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. Please see attached shows XXXX as SELLER clear Sanctions List Search - Seller-03/04/2026 <br> Counter-Client provided screen shots of fraud report showing 2 hits for XXXX yet has not provided the XXXX report to reflect Seller is clear - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Please read the attached screenshot highlights the Seller's 2 XXXX are not a match to the Seller. Please see "XXXX 1000 WITH XXXX HIGHLIGHTS .PNG" and clear this as soon as possible - Seller-03/02/2026 <br> Ready for Review-Please read the attached screenshot highlights the Seller's 2 XXXX are not a match to the borrower. Please clear this as soon as possible - Seller-03/02/2026 <br> Counter-Received fraud report. Missing XXXX report confirming Seller is clear. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-The DataVerify already provided has the XXXX and not matching to the seller - Seller-02/27/2026 <br> Counter-Received acceptable XXXX clearance and confirmation of middle initial of seller. Missing XXXX clearance report. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. Please see attached Property Profile which provides the Sellers Middle initial along with the borrower's XXXXs Search showing no Record found. - Seller-02/25/2026 <br> Ready for Review-Document Uploaded. please see attached SAM reflects no exact matches - Seller-02/25/2026 <br> Counter-Received updated Fraud Report. Missing XXXX and SAM clearance on Seller - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please see attached DataVerify - Seller-02/20/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Appraiser, seller, and settlement agent to be added to the loan participant list. - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. Please see attached shows XXXX as SELLER clear Sanctions List Search - Seller-03/04/2026 <br> Ready for Review-Please read the attached screenshot highlights the Seller's 2 XXXX are not a match to the Seller. Please see "XXXX" and clear this as soon as possible - Seller-03/02/2026 <br> Ready for Review-Please read the attached screenshot highlights the Seller's 2 XXXX are not a match to the borrower. Please clear this as soon as possible - Seller-03/02/2026 <br> Ready for Review-The DataVerify already provided has the XXXX and not matching to the seller - Seller-02/27/2026 <br> Ready for Review-Document Uploaded. Please see attached Property Profile which provides the Sellers Middle initial along with the borrower's XXXX Search showing no Record found. - Seller-02/25/2026 <br> Ready for Review-Document Uploaded. please see attached XXXX reflects no exact matches - Seller-02/25/2026 <br> Ready for Review-Document Uploaded. Please see attached DataVerify - Seller-02/20/2026 | Resolved-Received XXXX clearance on seller. - Due Diligence Vendor-03/05/2026<br>| Long term residence - Long Term Residence = 4+ years<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 796 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7708923 |
| 990235 | XXXX | XXXX | XXXX C A | Closed | FCRE1194 | 2026-02-19 18:13 | 2026-02-25 15:41 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-The rental property documentation provided confirms the borrower is not a FTHB and has investor experience and the property profile confirms the property is in the name of a business. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. Please see attached the supporting docs to show borrower is an experienced investor, since XXXX, > 12months (going on 2 years, this XXXX). - Seller-02/20/2026 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 70% Per 1003 and credit report, borrower is a FTHB. Guidelines limit the LTV to 70%. No exception in file. - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. Please see attached the supporting docs to show borrower is an experienced investor, since XXXX, > 12months (going on 2 years, this XXXX). - Seller-02/20/2026 | Resolved-The rental property documentation provided confirms the borrower is not a FTHB and has investor experience and the property profile confirms the property is in the name of a business. - Due Diligence Vendor-02/25/2026<br>| Long term residence - Long Term Residence = 4+ years<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 796 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7709087 |
| 990273 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 990288 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 990621 | XXXX | XXXX | XXXX D A | Closed | FCOM1262 | 2026-02-17 14:09 | 2026-02-24 08:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-We respectfully disagree. The 3-day right of rescission applies only to loans secured by a primary residence. The subject is a c/o refinance of a second home. - Seller-02/20/2026 <br> Open-Right of Rescission is Missing -----Right of Rescission is missing from loan doc. - Due Diligence Vendor-02/17/2026 | Ready for Review-We respectfully disagree. The 3-day right of rescission applies only to loans secured by a primary residence. The subject is a c/o refinance of a second home. - Seller-02/20/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/24/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.51 Required is 50 Borrower has 29.51<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 760 Required is 660 Borrower has 760 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 7660876 |
| 990647 | XXXX | XXXX | XXXX D A | Closed | FCRE6019 | 2026-02-20 11:41 | 2026-02-24 14:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. Lender Notes the loan product is DSCR with ITIN status, see 4.1 Eligible Borrowers. Borrower Meets All Non-XXXX. Citizen Borrower(s) must evidence their residency status by providing applicable USCIS documentation - This does not apply to ITIN borrowers. - Seller-02/20/2026 <br> Open-Borrower Citizenship Documentation Is Missing Loan application reflects Non-Per Resident. Loan file is missing a copy of the borrower's Employment Authorization Document (EAD, Form I-766), XXXX, or a passport stamp (I-551 ADIT stamp). Borrower was qualified as a NPR, additional conditions may apply if it is determined the borrower is a foreign national. - Due Diligence Vendor-02/20/2026 | Ready for Review-Document Uploaded. Lender Notes the loan product is DSCR with ITIN status, see 4.1 Eligible Borrowers. Borrower Meets All Non-XXXX Citizen Borrower(s) must evidence their residency status by providing applicable USCIS documentation - This does not apply to ITIN borrowers. - Seller-02/20/2026 | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/24/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 802<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less. Min DSCR % is 0.75 Borrower has 1.007 Required is 0.75 Borrower has 1.007 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7723780 |
| 990659 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| 990672 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 990686 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 990702 | XXXX | XXXX | XXXX C A | Closed | FCRE1510 | 2026-02-17 08:37 | 2026-02-25 13:29 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/24/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Ex A; Legal - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/24/2026<br>| Resolved-Received DOT w/Legal. - Due Diligence Vendor-02/25/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.39<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 757 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7650363 |
| 990702 | XXXX | XXXX | XXXX C A | Closed | finding-3625 | 2026-02-17 09:51 | 2026-02-25 08:33 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-----Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. UPLOADED - Seller-02/24/2026 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----(Appraisal Fee) in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date XXXX.<br> - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. UPLOADED - Seller-02/24/2026<br>| Resolved-----Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-02/25/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.39<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 757 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7652400 |
| 992912 | XXXX | XXXX | XXXX C B A | Closed | FCRE0113 | 2026-02-20 15:00 | 2026-02-20 15:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property/Appraisal General (Credit) | Waived-Originator waiver applied to non material finding - Due Diligence Vendor-02/20/2026 <br> Open-Appraisal lists as a SFR however mortgage shows a PUD rider. - Due Diligence Vendor-02/20/2026 |  | Waived-Originator waiver applied to non material finding - Due Diligence Vendor-02/20/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 672 Required is 640 Borrower has 672 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 7728499 |
| 992947 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| 992949 | XXXX | XXXX | XXXX C A | Closed | FCRE1254 | 2026-02-20 18:25 | 2026-02-25 12:43 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Quit Claim Deed provided transferring subject property from XXXX to our borrower. Deed states Grantor derives his title from the XXXX. Death Certificate provided for XXXX. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. Lender notes XXXX inherited XXXX via Probate in XXXX for XXXX, properties showing in XXXX name. Please read the attached Grant deed un XXXX General Laws, Chapter 188... No other person or entity is entitles to an Estate of homestead in the property... Please expedite this to be cleared as soon as possible - Seller-02/23/2026 <br> Open-Property Title Issue Vested name is in XXXX and not in borrower's name - Due Diligence Vendor-02/20/2026 | Ready for Review-Document Uploaded. Lender notes XXXX inherited XXXX via XXXX inXXXX for XXXX, properties showing in XXXX name. Please read the attached Grant deed un XXXX General Laws, Chapter 188... No other person or entity is entitles to an Estate of homestead in the property... Please expedite this to be cleared as soon as possible - Seller-02/23/2026 | Resolved-Quit Claim Deed provided transferring subject property from XXXX to our borrower. Deed states Grantor derives his title from the Estate of XXXX. Death Certificate provided for XXXX. - Due Diligence Vendor-02/25/2026 | LTV is less than guideline maximum - LTV of 70% is below the maximum of 75% allowed per guidelines Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 728 which exceeds the minimum of 640 Required is 640 Borrower has 728 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7732214 |
| 993308 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 993317 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 993363 | XXXX | XXXX | XXXX C A | Closed | FCRE2244 | 2026-02-22 06:56 | 2026-02-25 13:25 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Upon further review, the loan file contained confirmation of stove hookup present. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-We respectfully disagree. Per XXXX, property just has to have hook ups. The appraiser mentions on page 19 of 28 that the subject property has oven/stove hookup. - Seller-02/23/2026 <br> Open-Property Issues are identified for the property The subject does not contain a stove/refrigerator. The appraiser did not comment if the subject has gas/electric hookup for stove. - Due Diligence Vendor-02/22/2026 | Ready for Review-We respectfully disagree. Per XXXX, property just has to have hook ups. The appraiser mentions on page 19 of 28 that the subject property has oven/stove hookup. - Seller-02/23/2026 | Resolved-Upon further review, the loan file contained confirmation of stove hookup present. - Due Diligence Vendor-02/25/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 747 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7741226 |
| 993458 | XXXX | XXXX | XXXX C B A | Closed | FCRE8201 | 2026-02-21 17:24 | 2026-04-07 12:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted, waiver applied with comp factors - Due Diligence Vendor-02/22/2026 <br> Open-Exception request for escrow waive requires 720 FICO. Partial escrow waiver for HOI; Borrowers credit score is 709. Exception reflects approval. - Due Diligence Vendor-02/22/2026 |  | Waived-Originator exception granted, waiver applied with comp factors - Due Diligence Vendor-02/22/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.23<br>LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 709 | Only 11pts below FICO<br> 70 pts over minimum FICO for LTV<br> 34 years in line of work<br> 27 years at residence |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 7739831 |
| 993458 | XXXX | XXXX | XXXX C B A | Closed | FCRE0075 | 2026-02-17 12:00 | 2026-03-06 12:10 | Resolved | 1 - Information C A | Credit | Eligibility | CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration | Resolved-Received lox of debt already included and proof with 1003 - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Please see corrected 1003 and Explanation from Broker advising 1003 was marked in error. Borrower is a co-signor on the daughters student loans which are already referenced on the liabilities. - Seller-03/05/2026 <br> Open-CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration. No information provided - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. Please see corrected 1003 and Explanation from Broker advising 1003 was marked in error. Borrower is a co-signor on the daughters student loans which are already referenced on the liabilities. - Seller-03/05/2026<br>| Resolved-Received lox of debt already included and proof with 1003 - Due Diligence Vendor-03/06/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.23<br>LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 709 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7657513 |
| 993458 | XXXX | XXXX | XXXX C B A | Closed | finding-3540 | 2026-02-17 12:54 | 2026-02-26 08:17 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-----Received verification of borrower's receipt of CD. Finding Resolved. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. REBUTTAL - Seller-02/25/2026 <br> Ready for Review-Document Uploaded. THE CD'S FROM XXXX AND XXXX DO NOT NEED TO BE SIGNED. THE ONLY CD THAT NEEDS TO BE SIGNED IS THE ON FROM XXXX - Seller-02/23/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----- CD XXXX & XXXX is not signed and there is no evidence of when it was provided to borrower.<br> - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. REBUTTAL - Seller-02/25/2026 <br> Ready for Review-Document Uploaded. THE CD'S FROM XXXX AND XXXX DO NOT NEED TO BE SIGNED. THE ONLY CD THAT NEEDS TO BE SIGNED IS THE ON FROM XXXX - Seller-02/23/2026 | Resolved-----Received verification of borrower's receipt of CD. Finding Resolved. - Due Diligence Vendor-02/26/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.23<br>LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 709 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7659136 |
| 993458 | XXXX | XXXX | XXXX C B A | Closed | finding-3652 | 2026-02-17 12:54 | 2026-02-26 08:17 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved------Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. REBUTTAL - Seller-02/25/2026 <br> Counter------Received COC stating changes with no evidence of receipt. Finding remains. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. COC FOR CHANGE - Seller-02/23/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($94.95) does not exceed or equal the comparable sum of specific and non-specific lender credits ($531.40). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $531.40 to $94.95 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $436.45, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. REBUTTAL - Seller-02/25/2026 <br>Ready for Review-Document Uploaded. COC FOR CHANGE - Seller-02/23/2026<br>| Resolved------Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-02/26/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.23<br>LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 709 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7659137 |
| 993458 | XXXX | XXXX | XXXX C B A | Closed | finding-3634 | 2026-02-17 12:54 | 2026-02-26 08:17 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. REBUTTAL - Seller-02/25/2026 <br> Counter------Received COC stating changes with no evidence of receipt. Finding remains. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. $94.95 CURED FOR THE CR FEE- SEE ATTACHED<br> COC ALSO STATES WHY THE POINTS INCREASED - Seller-02/23/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $256.93.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $256.93 (Points - Loan Discount Fee & Credit Report Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $256.93, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX.<br> - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. REBUTTAL - Seller-02/25/2026 <br>Ready for Review-Document Uploaded. $94.95 CURED FOR THE CR FEE- SEE ATTACHED<br> COC ALSO STATES WHY THE POINTS INCREASED - Seller-02/23/2026<br>| Resolved------Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-02/26/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.23<br>LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 709 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7659138 |
| 993458 | XXXX | XXXX | XXXX C B A | Closed | finding-3638 | 2026-02-17 12:54 | 2026-02-26 08:17 | Resolved | 1 - Information A | Compliance | TRID | Reimbursement Amount Test | Resolved-----Received COC for finding. Finding Resolved. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. REBUTTAL - Seller-02/25/2026 <br> Counter------Received COC stating changes with no evidence of receipt. Finding remains. - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. REBUTTAL - Seller-02/25/2026<br>| Resolved-----Received COC for finding. Finding Resolved. - Due Diligence Vendor-02/26/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.23<br>LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 709 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7659139 |
| 993458 | XXXX | XXXX | XXXX C B A | Closed | FCRE0179 | 2026-02-20 18:53 | 2026-02-25 12:58 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received 1008 reflecting TYPE Q Warrantable - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/23/2026 <br> Open-UW Attestation/Docs stating warrantability are missing. Provide missing UW Attestation/Docs stating warrantability. Limited review per 1008. - Due Diligence Vendor-02/20/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/23/2026<br>| Resolved-Received 1008 reflecting TYPE Q Warrantable - Due Diligence Vendor-02/25/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.23<br>LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 709 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7732364 |
| 993458 | XXXX | XXXX | XXXX C B A | Closed | FCOM1978 | 2026-02-17 13:59 | 2026-02-25 09:12 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved------Received ITP tracking, finding resolved. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. SYSTEM EVIDENCE - Seller-02/23/2026 <br> Open------ There are fees on the final CD that are POC and borrower's signed intent to proceed is missing from file. - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. SYSTEM EVIDENCE - Seller-02/23/2026<br>| Resolved------Received ITP tracking, finding resolved. - Due Diligence Vendor-02/25/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.23<br>LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 709 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7660717 |
| 993458 | XXXX | XXXX | XXXX C B A | Closed | finding-47 | 2026-02-17 12:54 | 2026-02-25 09:12 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved------Received PCCD XXXX. Disbursesment date XXXX. Finding resolved. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. UPLOADED - Seller-02/23/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ----- Provide PCCD with disbursement date after the ROR expiration date. <br> - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. UPLOADED - Seller-02/23/2026<br>| Resolved------Received PCCD XXXX. Disbursesment date XXXX. Finding resolved. - Due Diligence Vendor-02/25/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.23<br>LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 709 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7659135 |
| 993519 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 993571 | XXXX | XXXX | XXXX C A | Closed | FCRE0140 | 2026-02-22 09:47 | 2026-03-19 16:11 | Resolved | 1 - Information C A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-Received transfer of ownership. All members own 25%. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. please see attached the 2.4 Transfer of interest - Seller-03/16/2026 <br> Open-The borrowers do not own a minimum of 25% of the LLC. The borrowers are listed as "Manager" and two other names are listed as 50% owners of the company. No amendment found in loan file. DSCR programs require a minimum of 25% of the Entity ownership must be represented as borrowers on the loan, each completing a 1003 as applicants. - Due Diligence Vendor-02/22/2026 | Ready for Review-Document Uploaded. please see attached the 2.4 Transfer of interest - Seller-03/16/2026<br>| Resolved-Received transfer of ownership. All members own 25%. - Due Diligence Vendor-03/19/2026<br>| Long term residence - Long Term Residence = 5+ years<br>LTV is less than guideline maximum - . Required is 80 Borrower has 50 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7741514 |
| 993571 | XXXX | XXXX | XXXX C A | Closed | FCRE7009 | 2026-02-20 17:07 | 2026-02-25 13:27 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received Letter from agent. 100% replacement cost. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. Lender notes after review of the XXXX agent's provided letter, Which states his agency insures the structure @100% of Estimated Replacement Cost "ERC" the HOI coverage provided is sufficient. No Further documentation is required, Please expedite this to be cleared as soon as possible - Seller-02/23/2026 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Hazard insurance dwelling coverage is not sufficient - Due Diligence Vendor-02/20/2026 | Ready for Review-Document Uploaded. Lender notes after review of the XXXX agent's provided letter, Which states his agency insures the structure @100% of Estimated Replacement Cost "ERC" the HOI coverage provided is sufficient. No Further documentation is required, Please expedite this to be cleared as soon as possible - Seller-02/23/2026 | Resolved-Received Letter from agent. 100% replacement cost. - Due Diligence Vendor-02/25/2026<br>| Long term residence - Long Term Residence = 5+ years<br>LTV is less than guideline maximum - . Required is 80 Borrower has 50 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7731228 |
| 993584 | XXXX | XXXX | XXXX D A | Closed | FCRE7497 | 2026-02-23 08:53 | 2026-02-25 13:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received validation of HOA dues, updated 1003 1008 - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. Please see attached PC 1008, PC 1003 and HOA yearly fee of $396.27. Updated 1008 and 1003 resulting to a lower DTI of 26.50%. Please clear this finding. - Seller-02/23/2026 <br> Open-Missing proof of what the $396.27/mth for property 3b is, since there are escrows being held per the Mortgage Statement. Upon receipt, additional conditions may apply. - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. Please see attached PC 1008, PC 1003 and HOA yearly fee of $396.27. Updated 1008 and 1003 resulting to a lower DTI of 26.50%. Please clear this finding. - Seller-02/23/2026<br>| Resolved-Received validation of HOA dues, updated 1003 1008 - Due Diligence Vendor-02/25/2026<br>| LTV is less than guideline maximum - Max LTV is 85 Borrower has 75 Required is 85 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 752 Required is 660 Borrower has 752 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7752419 |
| 993799 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 993880 | XXXX | XXXX | XXXX D A C | Closed | FCRE0196 | 2026-02-23 14:32 | 2026-03-11 10:47 | Resolved | 1 - Information C A | Credit | Eligibility | Payoff(s) on the CD/HUD are not reported on Title Report | Resolved-Client provided copy of check paying off XXXX - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. The payoffs referenced on the CD/HUD are supported by documentation in the file. Although the Title Report reflects two liens dated XXXX in the amounts of $XXXX and $XXXX, these liens were satisfied at closing.<br> Please see the check dated XXXX from XXXX, in the amount of $XXXX made payable to XXXX. The memo line references the subject property address, XXXX, confirming the payoff of the outstanding liens associated with the property.<br> Based on the provided payoff documentation, the liens reflected on the Title Report were paid in full at closing. Please clear this finding.<br> - Seller-03/10/2026 <br> Open-Payoff(s) on the CD/HUD are not reported on Title Report. Title reflects 2 liens dated XXXX ($XXXX and $XXXX) being paid off at closing. - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. The payoffs referenced on the CD/HUD are supported by documentation in the file. Although the Title Report reflects two liens dated XXXX in the amounts of $XXXXand $XXXX, these liens were satisfied at closing.<br> Please see the check dated XXXX from XXXX, Attorneys at Law, in the amount of $XXXX made payable to XXXX. The memo line references the subject property address, XXXX, confirming the payoff of the outstanding liens associated with the property.<br> Based on the provided payoff documentation, the liens reflected on the Title Report were paid in full at closing. Please clear this finding.<br> - Seller-03/10/2026 | Resolved-Client provided copy of check paying off XXXX Lender Services Inc - Due Diligence Vendor-03/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 764<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7762043 |
| 993880 | XXXX | XXXX | XXXX D A C | Closed | FCRE1158 | 2026-02-23 10:24 | 2026-03-05 12:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received paid invoice confirming annual premium. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. The paid receipt invoice for $1,454.00 reflects the following:<br>Homeowner's insurance premium: XXXX<br>One-time service charge: $100.00<br>The XXXX premium amount is accurately disclosed on the Final Closing Disclosure (CD) under prepaid hazard insurance. The additional $100.00 represents a one-time service fee and is not part of the insurance premium.<br>There is no escrow/impound account established for hazard insurance.<br>Accordingly, the amounts collected and disclosed are accurate and properly documented. Please clear this invalid finding. - Seller-03/04/2026 <br> Counter-Binder with Policy number, coverage amount provided, however the estimated premium is XXXX was collected at closing. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-The insurance document provided is an Insurance Binder, which is an acceptable evidence of coverage prior to issuance of the final policy declaration page.<br>The binder reflects the following:<br>Effective Date: XXXX<br>Property Address: XXXX<br>Coverage A (Dwelling): $400,000<br>Coverage B (Other Structures): $80,000<br>Coverage C (Contents): $0<br>Coverage D (Fair Rental Value): $80,000<br>Deductible: $2,500<br>General Liability (Each Occurrence): $300,000<br>An insurance binder is a legally binding temporary contract of insurance that confirms coverage is in force pending issuance of the formal declarations page. This is standard industry practice and satisfies hazard insurance requirements prior to closing/funding.<br>The binder clearly evidences:<br>Active coverage<br>Adequate dwelling limits<br>Acceptable deductible<br>Required liability coverage<br>Correct property address<br>Accordingly, the requirement for proof of hazard insurance has been met. The request for a "final policy" is not required where a valid binder is in force.<br>Please review the uploaded binder and clear this condition.<br>If needed, I can also prepare a softer version offering to provide the declarations page once issued to prevent further back-and-forth. - Seller-02/26/2026 <br> Counter-Received "temporary insurance".- Please provide final policy. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. - Seller-02/24/2026 <br> Ready for Review-Document Uploaded. The Hazard Insurance documentation provided in the loan file is not blank. An Insurance Binder is included and reflects the following:<br>Effective Date: XXXX<br>Property Address: XXXX<br>Coverage A (Dwelling): $400,000<br>Coverage B (Other Structures): $80,000<br>Coverage C (Contents): $0<br>Coverage D (Fair Rental Value): $80,000<br>Deductible: $2,500<br>General Liability (Each Occurrence): $300,000<br>The binder clearly evidences active hazard coverage for the subject property.<br>Accordingly, the finding that the HOI policy is blank is not supported by the documentation in file. Please review the Insurance Binder provided and clear this invalid finding. - Seller-02/24/2026 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided The HOI policy is blank. Lender to provide an updated copy of the HOI policy. Additional conditions may apply, pending review. - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. The paid receipt invoice for $1,454.00 reflects the following:<br>Homeowner's insurance premium: $1,354.00<br>One-time service charge: $100.00<br>The $1,354.00 premium amount is accurately disclosed on the Final Closing Disclosure (CD) under prepaid hazard insurance. The additional $100.00 represents a one-time service fee and is not part of the insurance premium.<br>There is no escrow/impound account established for hazard insurance.<br>Accordingly, the amounts collected and disclosed are accurate and properly documented. Please clear this invalid finding. - Seller-03/04/2026 <br> Ready for Review-The insurance document provided is an Insurance Binder, which is an acceptable evidence of coverage prior to issuance of the final policy declaration page.<br>The binder reflects the following:<br>Effective Date: XXXX<br>Property Address: XXXX<br>Coverage A (Dwelling): $XXXX<br>Coverage B (Other Structures): $XXXX<br>Coverage C (Contents): $XXXX<br>Coverage D (Fair Rental Value): $XXXX<br>Deductible: $XXXX<br>General Liability (Each Occurrence): $XXXX<br>An insurance binder is a legally binding temporary contract of insurance that confirms coverage is in force pending issuance of the formal declarations page. This is standard industry practice and satisfies hazard insurance requirements prior to closing/funding.<br>The binder clearly evidences:<br>Active coverage<br>Adequate dwelling limits<br>Acceptable deductible<br>Required liability coverage<br>Correct property address<br>Accordingly, the requirement for proof of hazard insurance has been met. The request for a "final policy" is not required where a valid binder is in force.<br>Please review the uploaded binder and clear this condition.<br>If needed, I can also prepare a softer version offering to provide the declarations page once issued to prevent further back-and-forth. - Seller-02/26/2026 <br> Ready for Review-Document Uploaded. - Seller-02/24/2026 <br> Ready for Review-Document Uploaded. The Hazard Insurance documentation provided in the loan file is not blank. An Insurance Binder is included and reflects the following:<br>Effective Date: XXXX<br>Property Address: XXXX<br>Coverage A (Dwelling): $XXXX<br>Coverage B (Other Structures): $XXXX<br>Coverage C (Contents): $0<br>Coverage D (Fair Rental Value): $XXXX<br>Deductible: $2,500<br>General Liability (Each Occurrence): $XXXX<br>The binder clearly evidences active hazard coverage for the subject property.<br>Accordingly, the finding that the HOI policy is blank is not supported by the documentation in file. Please review the Insurance Binder provided and clear this invalid finding. - Seller-02/24/2026 | Resolved-Received paid invoice confirming annual premium. - Due Diligence Vendor-03/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 764<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7754771 |
| 993880 | XXXX | XXXX | XXXX D A C | Closed | FPRO1257 | 2026-02-23 10:07 | 2026-02-25 13:37 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Field review. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. A Field Review dated XXXX is included in the loan file and supports a reconciled value of $156,000.<br>The original appraisal reflects a value of XXXX and the purchase price is XXXX. The Field Review value of XXXX reasonably supports both the appraised value and the sales price.<br>Additionally, with a loan amount of XXXX and a supported value of $156,000, the actual LTV is 79.49%, which is below the 80% threshold.<br>Please review the Field Review included in the file and clear this finding. - Seller-02/24/2026 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Lender to provide additional valuation to support appraised value of $XXXX or the sales price of $XXXX. Desk Review in file value was $XXXX (-33.54%). It should be noted the 1008 states a field review was obtained; however, a copy of the field review was missing from the loan file. - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. A Field Review dated XXXX is included in the loan file and supports a reconciled value of $XXXX<br>The original appraisal reflects a value of XXXX and the purchase price is XXXX The Field Review value of XXXX reasonably supports both the appraised value and the sales price.<br>Additionally, with a loan amount of XXXX and a supported value of XXXX actual LTV is 79.49%, which is below the 80% threshold.<br>Please review the Field Review included in the file and clear this finding. - Seller-02/24/2026 | Resolved-Received Field review. - Due Diligence Vendor-02/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 764<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7754232 |
| 993900 | XXXX | XXXX | XXXX C B A | Closed | FCRE0113 | 2026-02-23 14:27 | 2026-03-24 12:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property/Appraisal General (Credit) | Waived-Document Uploaded. - Originator waiver applied to non-material finding with compensating factors. Exception for occupancy correction on appraisal. - Due Diligence Vendor-03/24/2026 <br> Counter-After further review from management- We are not questioning the occupancy for the borrower, but the occupancy should reflect correctly on the appraisal. The appraisal needs to be corrected. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Please escalate this for management review. The occupancy of the transaction is not solely reliant on the appraisal or on who occupies the property specially when the loan has been priced as an Investment property. As previously noted and supported with documentation delivered with the loan file, the borrower works and resides in XXXX and rental income was not used for qualification. it is possible immediate family members reside in the property. Nevertheless, the issue is immaterial. - Seller-03/19/2026 <br> Counter-Review of the appraisal reflects the subject is owner occupied and the subject transaction is a refinance of an investment property. Appraisal need to be corrected to reflect the subject is tenant occupied or vacant. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-The occupancy of the transaction is not solely reliant on the appraisal or who occupies the property specially when the loan has been priced as an Investment property. As previously noted and supported with documentation delivered with the loan file, the borrower works and resides in CA and rental income was not used for qualification. The issue is immaterial. - Seller-03/18/2026 <br> Counter-Appraisal to be corrected to tenant otherwise it does not support the occupancy of the transaction - Due Diligence Vendor-03/18/2026 <br> Ready for Review-The fact that the appraisal indicates the property as owner occupied is immaterial. The loan was approved and priced as an Investment property. The borrower works and resides in CA as evidenced by the the documentation in the loan file and rental income was not used for qualification. Please escalate and clear this finding accordingly. - Seller-03/16/2026 <br> Open-Appraisal shows occupant as "Owner" and not "Tenant" - Due Diligence Vendor-02/23/2026 | Ready for Review-Please escalate this for management review. The occupancy of the transaction is not solely reliant on the appraisal or on who occupies the property specially when the loan has been priced as an Investment property. As previously noted and supported with documentation delivered with the loan file, the borrower works and resides in CA and rental income was not used for qualification. it is possible immediate family members reside in the property. Nevertheless, the issue is immaterial. - Seller-03/19/2026 <br> Ready for Review-The occupancy of the transaction is not solely reliant on the appraisal or who occupies the property specially when the loan has been priced as an Investment property. As previously noted and supported with documentation delivered with the loan file, the borrower works and resides in XX and rental income was not used for qualification. The issue is immaterial. - Seller-03/18/2026 <br> Ready for Review-The fact that the appraisal indicates the property as owner occupied is immaterial. The loan was approved and priced as an Investment property. The borrower works and resides in XX as evidenced by the the documentation in the loan file and rental income was not used for qualification. Please escalate and clear this finding accordingly. - Seller-03/16/2026 | Waived-Document Uploaded. - Originator waiver applied to non-material finding with compensating factors. Exception for occupancy correction on appraisal. - Due Diligence Vendor-03/24/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 56.18<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.55<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 779 | 779 fico<br> 56.18% LTV<br> 11.55% DTI | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 7761961 |
| 993948 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 993950 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| 993954 | XXXX | XXXX | XXXX D A | Closed | FCRE1440 | 2026-02-23 13:41 | 2026-02-26 12:31 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received security instrument confirming reconveyance matches. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. Please see attached Property Profile and Deed of Trust linking the previously provided Reconveyance of the private lien. - Seller-02/26/2026 <br> Counter-Received Property profile as of XXXX that still reflect an outstanding private mortgage. Reconveyance provided loan amounts do not match what is reflected on property profile. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. Please see attached LOE and Full Reconveyance of the private mortgage along with a revised 1003 and 1008. - Seller-02/24/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Need most recent 12 month mortgage history and PITI payment info from private lender for XXXX property (as it was listed borrower had private mortgage with mortgage payment listed on 1003). - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. Please see attached Property Profile and Deed of Trust linking the previously provided Reconveyance of the private lien. - Seller-02/26/2026 <br>Ready for Review-Document Uploaded. Please see attached LOE and Full Reconveyance of the private mortgage along with a revised 1003 and 1008. - Seller-02/24/2026<br>| Resolved-Received security instrument confirming reconveyance matches. - Due Diligence Vendor-02/26/2026<br>| Months Reserves exceed minimum required - We have 5.2 months of reserves and no reserves were needed for this loan<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 800 Required is 640 Borrower has 800 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7760963 |
| 993954 | XXXX | XXXX | XXXX D A | Closed | FCRE5790 | 2026-02-23 14:24 | 2026-02-26 12:31 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM dated XXXX - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. The Final DV delivered with the loan file had the UDM monitoring started on XXXX, which is within 10 days of the note date. Please see attached. - Seller-02/24/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. The Final DV delivered with the loan file had the UDM monitoring started on XXXX, which is within 10 days of the note date. Please see attached. - Seller-02/24/2026 | Resolved-Received UDM dated XXXX - Due Diligence Vendor-02/25/2026 | Months Reserves exceed minimum required - We have 5.2 months of reserves and no reserves were needed for this loan<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 800 Required is 640 Borrower has 800 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7761909 |
| 993954 | XXXX | XXXX | XXXX D A | Closed | FCRE1437 | 2026-02-23 13:27 | 2026-02-26 12:27 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received 1 yr P&L and CPA validation. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. The requested documents was previously delivered with the loan file. Please see attached. - Seller-02/25/2026 <br> Counter-Received P&L. Missing verification of CPA. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/23/2026 <br> Open-Income and Employment Do Not Meet Guidelines Missing P&L completed by CPA (signed and dated) to show net income to complete income calculation. - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. The requested documents was previously delivered with the loan file. Please see attached. - Seller-02/25/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/23/2026<br>| Resolved-Received 1 yr P&L and CPA validation. - Due Diligence Vendor-02/26/2026<br>| Months Reserves exceed minimum required - We have 5.2 months of reserves and no reserves were needed for this loan<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 800 Required is 640 Borrower has 800 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7760440 |
| 993954 | XXXX | XXXX | XXXX D A | Closed | FCRE1326 | 2026-02-23 13:27 | 2026-02-26 12:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Received 1 yr P&L and CPA validation. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. The requested documents was previously delivered wit the loan file. Please see attached. - Seller-02/25/2026 <br> Counter-Received P&L. Missing verification of CPA. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/23/2026 <br> Open-Borrower 1 YTD Profit & Loss Missing Missing P&L completed by CPA (signed and dated) to show net income to complete income calculation. - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. The requested documents was previously delivered wit the loan file. Please see attached. - Seller-02/25/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/23/2026<br>| Resolved-Received 1 yr P&L and CPA validation. - Due Diligence Vendor-02/26/2026<br>| Months Reserves exceed minimum required - We have 5.2 months of reserves and no reserves were needed for this loan<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 800 Required is 640 Borrower has 800 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7760439 |
| 993954 | XXXX | XXXX | XXXX D A | Closed | FCRE0196 | 2026-02-23 13:55 | 2026-02-25 12:42 | Resolved | 1 - Information C A | Credit | Eligibility | Payoff(s) on the CD/HUD are not reported on Title Report | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/25/2026 <br> Ready for Review-The borrower's LOE was referring to the inquiry on the subject loan by the, XXXX. - Seller-02/24/2026 <br> Open-Payoff(s) on the CD/HUD are not reported on Title Report. Borrower addressed inquiry with XXXX was a new opened debt which was a lien associated with subject property and would be paid off. Only lien paid off was with XXXX. <br> Need complete repayment terms for XXXX. <br> Need to verify if this was a lien on subject. <br> If this was a lien on subject property, we need verification this debt was paid off and source of funds to payoff debt since it was not listed on final CD. - Due Diligence Vendor-02/23/2026 | Ready for Review-The borrower's LOE was referring to the inquiry on the subject loan by the TPO, XXXX. - Seller-02/24/2026 | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/25/2026<br>| Months Reserves exceed minimum required - We have 5.2 months of reserves and no reserves were needed for this loan<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 800 Required is 640 Borrower has 800 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7761230 |
| 994058 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 994128 | XXXX | XXXX | XXXX C B A | Closed | FCRE0187 | 2026-02-23 13:15 | 2026-02-25 12:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not meet Flip transaction requirements | Waived-Originator provided a waive to go off funding date for determining the 180 day period, as we would be 170 days if using acquisition date and the<br> purchase contract date.- exception is to waive need for 2nd appraisal, applied to non material finding with comp factors - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/24/2026 <br> Open-Loan and does not meet the Flip Transaction requirement and a full 2nd appraisal is required. Exception: Seeking exception to go off funding date for determining the 180 day period, as we would be 170 days if using acquisition date and the purchase contract date.- exception is to waive need for 2nd appraisal.<br>Guideline: Second appraisal is required 20% increase in sales price if seller acquired the property in the past 91-180 days. - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/24/2026<br>| Waived-Originator provided a waive to go off funding date for determining the 180 day period, as we would be 170 days if using acquisition date and the<br> purchase contract date.- exception is to waive need for 2nd appraisal, applied to non material finding with comp factors - Due Diligence Vendor-02/25/2026<br>| Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 25.59%. Required is 50 Borrower has 25.59<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has 730. Required is 680 Borrower has 730 | Fico score is 20 points above minimum<br> DTI is 5% below max<br> Years on job 6 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 7759999 |
| 994139 | XXXX | XXXX | XXXX D A | Closed | FCRE1241 | 2026-02-23 14:12 | 2026-04-07 11:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received Purchase Contract. - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. Please see attached RPA. - Seller-02/23/2026 <br> Open-Loan Purpose is Purchase but Purchase Contract is Missing. - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. Please see attached RPA. - Seller-02/23/2026<br>| Resolved-Received Purchase Contract. - Due Diligence Vendor-04/07/2026<br>| Credit history exceeds minimum required - Credit history/FICO exceeds minimum required<br>Months Reserves exceed minimum required - Months Reserves exceed minimum required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7761705 |
| 994139 | XXXX | XXXX | XXXX D A | Closed | FCRE1510 | 2026-02-18 11:02 | 2026-02-25 19:21 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Property is vested in the name of business. The file contains the borrowing certiifcation support the person who singed the mortgage has full signing authority. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. Please see attached XXXX Good standing, Operating Agreement and Certificate of Organization. Per the XXXX Certificate of Good Standing for XXXX dated XXXX are each listed as persons authorized to execute documents and act with respect to real property on behalf of the LLC.<br> The recorded Mortgage was executed by an authorized manager of the LLC in his representative capacity. XXXX law does not require all authorized persons to execute the instrument; any authorized manager/member may bind the LLC. Accordingly, the Mortgage is properly executed. Please clear this finding.3:08 pm<br> - Seller-02/23/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Co Borrower signature missing on Mortgage/DOT. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. Please see attached XXXX Good standing, Operating Agreement and Certificate of Organization. Per the Massachusetts Certificate of Good Standing for XXXX dated XXXX, XXXX are each listed as persons authorized to execute documents and act with respect to real property on behalf of the LLC.<br> The recorded Mortgage was executed by an authorized manager of the LLC in his representative capacity. XXXX law does not require all authorized persons to execute the instrument; any authorized manager/member may bind the LLC. Accordingly, the Mortgage is properly executed. Please clear this finding.3:08 pm<br> - Seller-02/23/2026 | Resolved-Property is vested in the name of business. The file contains the borrowing certiifcation support the person who singed the mortgage has full signing authority. - Due Diligence Vendor-02/26/2026<br>| Credit history exceeds minimum required - Credit history/FICO exceeds minimum required<br>Months Reserves exceed minimum required - Months Reserves exceed minimum required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7677988 |
| 994139 | XXXX | XXXX | XXXX D A | Closed | FCRE1254 | 2026-02-23 12:00 | 2026-02-25 13:04 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Final Seller CD. - Due Diligence Vendor-02/25/2026 <br>Ready for Review-Document Uploaded. Please see attached Signed Final Seller CD. The finding appears to be based on review of an unsigned draft Seller Closing Disclosure. The fully executed Seller CD reflects the payoff of the existing mortgage in connection with this purchase transaction. Please refer to the signed Seller CD in the file evidencing the payoff. Accordingly, this finding is not valid and should be cleared. - Seller-02/24/2026 <br>Open-Property Title Issue NO SELLER PAYOFF ON CD HOWEVER THERE IS A MORTGAGE RECORDED ON TITLE. - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. Please see attached Signed Final Seller CD. The finding appears to be based on review of an unsigned draft Seller Closing Disclosure. The fully executed Seller CD reflects the payoff of the existing mortgage in connection with this purchase transaction. Please refer to the signed Seller CD in the file evidencing the payoff. Accordingly, this finding is not valid and should be cleared. - Seller-02/24/2026<br>| Resolved-Received Final Seller CD. - Due Diligence Vendor-02/25/2026<br>| Credit history exceeds minimum required - Credit history/FICO exceeds minimum required<br>Months Reserves exceed minimum required - Months Reserves exceed minimum required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7758034 |
| 994139 | XXXX | XXXX | XXXX D A | Closed | FCRE8887 | 2026-02-23 13:38 | 2026-02-25 13:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Upon further review, DSCR does not require an REO - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Per DSCR program guidelines, a complete Real Estate Owned (REO) schedule is not required for Borrower 2. For this loan type, only the subject investment property and the borrower's primary residence (if applicable per program requirements) are required to be disclosed.<br>Accordingly, inclusion of a full REO schedule for Borrower 2 is not required under the DSCR guidelines. Please clear this finding. - Seller-02/24/2026 <br> Open-BORROWER 2 - APPLICATOIN MISSING REAL EASTATE OWNED. - Due Diligence Vendor-02/23/2026 | Ready for Review-Per DSCR program guidelines, a complete Real Estate Owned (REO) schedule is not required for Borrower 2. For this loan type, only the subject investment property and the borrower's primary residence (if applicable per program requirements) are required to be disclosed.<br>Accordingly, inclusion of a full REO schedule for Borrower 2 is not required under the DSCR guidelines. Please clear this finding. - Seller-02/24/2026<br>| Resolved-Upon further review, DSCR does not require an REO - Due Diligence Vendor-02/25/2026<br>| Credit history exceeds minimum required - Credit history/FICO exceeds minimum required<br>Months Reserves exceed minimum required - Months Reserves exceed minimum required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7760724 |
| 994392 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| 994419 | XXXX | XXXX | XXXX D A | Closed | FCRE1204 | 2026-02-23 12:50 | 2026-03-02 10:38 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received property profile confirming XXXX does not belong to borrower. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. Please see attached Property Profile showing XXXX was sold on XXXX and the new owner name is XXXX. No issues found. - Seller-02/27/2026 <br> Counter-1003 does not reflect XXXX, provide current mortgage statement, HOA, HOI and Tax bill. Other conditions may apply - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. Please see attached snippet of Page 10 of Final Data Verify report showing none of the properties were sold. XXXX shows NO for sold. Please clear this invalid finding. - Seller-02/24/2026 <br> Open-Fraud Report Shows Uncleared Alerts Provide evidence that borrower sold property listed on page 10 of Drive report. Additional findings may apply. - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. Please see attached Property Profile showing XXXX was sold on XXXX and the new owner name is XXXX. No issues found. - Seller-02/27/2026 <br> Ready for Review-Document Uploaded. Please see attached snippet of Page 10 of Final Data Verify report showing none of the properties were sold. XXXX shows NO for sold. Please clear this invalid finding. - Seller-02/24/2026 | Resolved-Received property profile confirming XXXX does not belong to borrower. - Due Diligence Vendor-03/02/2026 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $11,186.78; minimum required NONE<br>Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 27.82% Required is 50.49 Borrower has 27.82 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7759387 |
| 994419 | XXXX | XXXX | XXXX D A | Closed | FCOM1351 | 2026-02-23 11:12 | 2026-03-02 10:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Upon further review, the Note was executed as individual and Personal Guaranty not required. - Due Diligence Vendor-03/02/2026 <br> Ready for Review- The Guaranty Agreement document is not applicable in this case. The borrower is a sole member entity; therefore, a separate Guaranty Agreement is not required. - Seller-02/27/2026 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. - Due Diligence Vendor-02/23/2026 | Ready for Review- The Guaranty Agreement document is not applicable in this case. The borrower is a sole member entity; therefore, a separate Guaranty Agreement is not required. - Seller-02/27/2026<br>| Resolved-Upon further review, the Note was executed as individual and Personal Guaranty not required. - Due Diligence Vendor-03/02/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $11,186.78; minimum required NONE<br>Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 27.82% Required is 50.49 Borrower has 27.82 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7756364 |
| 994419 | XXXX | XXXX | XXXX D A | Closed | FCRE1316 | 2026-02-23 13:52 | 2026-02-25 13:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided for 1b - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Borrower 1's current employer (1b) reflects 3 years and 1 month of continuous employment, satisfying the required two-year employment history. Prior employer (1c) falls outside the most recent two-year period and is not required to be verified per XXXX guidelines.<br> A 3rd party VOE dated within 10 days prior to closing has been obtained for the current employer (1b), meeting verification requirements.<br> No additional VOE is required. Please clear this invalid finding. <br> - Seller-02/24/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing VOE 10 days prior to close provided for 1b but not 1c on URLA. Additional findings may apply. - Due Diligence Vendor-02/23/2026 | Ready for Review-Borrower 1's current employer (1b) reflects 3 years and 1 month of continuous employment, satisfying the required two-year employment history. Prior employer (1c) falls outside the most recent two-year period and is not required to be verified per XXXX guidelines.<br> A 3rd party VOE dated within 10 days prior to closing has been obtained for the current employer (1b), meeting verification requirements.<br> No additional VOE is required. Please clear this invalid finding. <br> - Seller-02/24/2026 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided for 1b - Due Diligence Vendor-02/25/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $11,186.78; minimum required NONE<br>Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 27.82% Required is 50.49 Borrower has 27.82 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7761135 |
| 994419 | XXXX | XXXX | XXXX D A | Closed | FCRE0179 | 2026-02-23 13:09 | 2026-02-25 13:25 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-UW noted Warrantable Condo on 1008 - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. Please see attached PC 1008 - Warrantable Condo. - Seller-02/24/2026 <br> Open-UW Attestation/Docs stating warrantability are missing. - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. Please see attached PC 1008 - Warrantable Condo. - Seller-02/24/2026<br>| Resolved-UW noted Warrantable Condo on 1008 - Due Diligence Vendor-02/25/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $11,186.78; minimum required NONE<br>Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 27.82% Required is 50.49 Borrower has 27.82 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7759855 |
| 994423 | XXXX | XXXX | XXXX C A | Closed | FCRE0196 | 2026-02-23 11:24 | 2026-02-25 13:06 | Resolved | 1 - Information C A | Credit | Eligibility | Payoff(s) on the CD/HUD are not reported on Title Report | Resolved-Received updated CD. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/24/2026 <br> Open-Payoff(s) on the CD/HUD are not reported on Title Report. Title commitment shows a seller lien with XXXX that was not reflected on Seller's CD showing it was paid in full. Provide documentation to show lien was paid in full prior to closing OR provide updated Seller's CD showing lien was paid off in full. - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/24/2026<br>| Resolved-Received updated CD. - Due Diligence Vendor-02/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 27 Months Required = 12 months<br>DSCR % greater than 1.20 - DSCR = 1.869 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7757262 |
| 994423 | XXXX | XXXX | XXXX C A | Closed | FCRE1510 | 2026-02-17 13:45 | 2026-02-25 12:59 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received legal description. - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/24/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing the attached legal description in mortgage chain. - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/24/2026<br>| Resolved-Received legal description. - Due Diligence Vendor-04/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 27 Months Required = 12 months<br>DSCR % greater than 1.20 - DSCR = 1.869 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7660399 |
| 996269 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 996374 | XXXX | XXXX | XXXX D A C | Closed | FCRE0044 | 2026-02-23 20:38 | 2026-03-05 10:55 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Client provided LOX for XXXX inquiry, no new debt acquired - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/03/2026 <br> Counter-Please provide credit inquiry meeting requirements of 4.5 of guidelines. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-LOE is not required. The delivered loan file included documentation to support that XXXX was a lien holder for the borrower's REO as well as the borrower's Bank. As evidenced by the final UDM/DV no new debt was opened. - Seller-02/25/2026 <br> Counter-Credit Inquiry is from XXXX, borrower to provide signed LOX to advise if any new debt has been opened - Due Diligence Vendor-02/25/2026 <br> Ready for Review-We respectfully disagree. An inquiry LOE was not required, the only inquiry on the credit report was by XXXX. The delivered loan file included documentation to support that XXXX was a lien holder for the borrower's REO as well as the borrower's Bank. - Seller-02/24/2026 <br> Open-LOX for credit inquiries is missing. - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/03/2026 <br> Ready for Review-LOE is not required. The delivered loan file included documentation to support that XXXX was a lien holder for the borrower's REO as well as the borrower's Bank. As evidenced by the final UDM/DV no new debt was opened. - Seller-02/25/2026 <br> Ready for Review-We respectfully disagree. An inquiry LOE was not required, the only inquiry on the credit report was by XXXX. The delivered loan file included documentation to support that XXXX was a lien holder for the borrower's REO as well as the borrower's Bank. - Seller-02/24/2026 | Resolved-Client provided LOX for XXXX inquiry, no new debt acquired - Due Diligence Vendor-03/05/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808<br>LTV is less than guideline maximum - Required is 85 Borrower has 58.94 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7769863 |
| 996374 | XXXX | XXXX | XXXX D A C | Closed | finding-3617 | 2026-02-18 13:59 | 2026-02-26 08:25 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD XXXX. Finding Resolved - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. ATTACHED - Seller-02/25/2026 <br> Counter------We are in need of a PCCD showing that the loan funded after consummation. Final CD in file is signed on XXXX, but funding date is XXXX. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. REBUTTAL - Seller-02/24/2026 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. -------Provide proof of borrower receipt for CD's dated XXXX. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. ATTACHED - Seller-02/25/2026 <br>Ready for Review-Document Uploaded. REBUTTAL - Seller-02/24/2026<br>| Resolved-Received PCCD XXXX. Finding Resolved - Due Diligence Vendor-02/26/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808<br>LTV is less than guideline maximum - Required is 85 Borrower has 58.94 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7682873 |
| 996374 | XXXX | XXXX | XXXX D A C | Closed | FCRE1440 | 2026-02-23 20:32 | 2026-02-25 13:21 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Client provided CD which closed XXXX along with 1st mortgage statement. No history available - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/24/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide payment amount and pay history for primary residence XXXX. - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/24/2026<br>| Resolved-Client provided CD which closed XXXX along with 1st mortgage statement. No history available - Due Diligence Vendor-02/25/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808<br>LTV is less than guideline maximum - Required is 85 Borrower has 58.94 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7769701 |
| 996374 | XXXX | XXXX | XXXX D A C | Closed | FCRE5782 | 2026-02-23 17:17 | 2026-02-25 13:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Used Credit Report dated XXXX for gap credit - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. The Final DV delivered with the loan file had the UDM monitoring started on XXXX, which is within 10 days of the Note date. Additionally, the delivered loan file included an updated Credit Report. Please see attached. - Seller-02/24/2026 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. The Final DV delivered with the loan file had the UDM monitoring started on XXXX, which is within 10 days of the Note date. Additionally, the delivered loan file included an updated Credit Report. Please see attached. - Seller-02/24/2026 | Resolved-Used Credit Report dated XXXX for gap credit - Due Diligence Vendor-02/25/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808<br>LTV is less than guideline maximum - Required is 85 Borrower has 58.94 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7765939 |
| 996374 | XXXX | XXXX | XXXX D A C | Closed | FCRE1206 | 2026-02-23 17:23 | 2026-02-25 13:06 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated Fraud Report adding Appraiser - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/24/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists, missing appraiser. - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/24/2026<br>| Resolved-Received updated Fraud Report adding Appraiser - Due Diligence Vendor-02/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808<br>LTV is less than guideline maximum - Required is 85 Borrower has 58.94 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7766073 |
| 996440 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 996509 | XXXX | XXXX | XXXX C B A | Closed | FCRE1198 | 2026-02-23 19:00 | 2026-02-27 13:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver for 8 months reserves <9 months required, applied to non material finding with comp factors - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. Please see attached Exception allowing the loan to close with 8 months reserves - Seller-02/26/2026 <br> Open-Audited Reserves of 8.36 month(s) are less than Guideline Required Reserves of 9 month(s) The required reserves is 9 months and the borrower only has 8.36 months verified. - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. Please see attached Exception allowing the loan to close with 8 months reserves - Seller-02/26/2026<br>| Waived-Originator provided a waiver for 8 months reserves <9 months required, applied to non material finding with comp factors - Due Diligence Vendor-02/27/2026<br>| On time mortgage history exceeds guideline requirement - Borrower has 0x30x12 months, guides allow a maximum of 1x30x12 months.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.81 | DTI: 5% below maximum allowed<br> Credit: 0x12 for over 24 months | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 7767353 |
| 996512 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 996531 | XXXX | XXXX | XXXX C A | Closed | FCRE1198 | 2026-02-24 21:43 | 2026-03-03 10:11 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Client provided 12 months rent payments on primary. Per Matrix reserve required is 6 months. Audited Reserves of 6.87 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. - Seller-02/27/2026 <br> Ready for Review-This appears to be a duplicate of the prior housing history finding that has already been reviewed and cleared. Please refer to the previously submitted documentation and the resolved condition for confirmation.<br>The complete documentation supporting the borrower's housing history has already been provided (see attached).<br>Kindly review the file accordingly and clear this duplicate finding. - Seller-02/27/2026 <br> Counter-Received Matrix. Borrower does not have a complete 12 month history for their primary. For this reason the 12 month reserve requirement applies. Finding remains. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. The 12-month reserve requirement cited in the finding is not applicable to this loan.<br>Borrower is not a First-Time Homebuyer (FTHB).<br> The borrower has documented primary housing history supported by:<br>Executed lease agreement<br>Verified rent payment history via bank statements<br>XXXX DSCR Matrix – First-Time Investor with Mortgage History<br> The matrix states that a First-Time Investor with mortgage history requires 6 months mortgage history, which the borrower satisfies (10 months ownership).<br>XXXX Non-QM DSCR Reserve Requirement<br> The XXXX Non-QM DSCR guidelines require 6 months of reserves, not 12 months.<br>The borrower has 6.87 months of audited reserves, which exceeds the 6-month requirement under the applicable DSCR program.<br>Accordingly:<br>The 12-month reserve requirement is not supported by the program matrix.<br>The borrower meets reserve requirements.<br>No exception is required.<br>Please update the reserve calculation under the correct program guidelines and clear this finding. - Seller-02/25/2026 <br> Open-Audited Reserves of 6.87 month(s) are less than Guideline Required Reserves of 12 month(s) Borrower is a First Time Investor, own the subject for 10 months, therefore per Matrix 12 months of Assets Reserves is required, Borrower only have 6 months reserves. Also Borrower is a FTHB, did not provided housing history, if not 12 months of Reserves need exception for First time Investor with less than 12 months of ownership and without rental history. - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. - Seller-02/27/2026 <br> Ready for Review-This appears to be a duplicate of the prior housing history finding that has already been reviewed and cleared. Please refer to the previously submitted documentation and the resolved condition for confirmation.<br>The complete documentation supporting the borrower's housing history has already been provided (see attached).<br>Kindly review the file accordingly and clear this duplicate finding. - Seller-02/27/2026 <br> Ready for Review-Document Uploaded. The 12-month reserve requirement cited in the finding is not applicable to this loan.<br>Borrower is not a First-Time Homebuyer (FTHB).<br> The borrower has documented primary housing history supported by:<br>Executed lease agreement<br>Verified rent payment history via bank statements<br>XXXX DSCR Matrix – First-Time Investor with Mortgage History<br> The matrix states that a First-Time Investor with mortgage history requires 6 months mortgage history, which the borrower satisfies (10 months ownership).<br>XXXX Non-QM DSCR Reserve Requirement<br> The XXXX Non-QM DSCR guidelines require 6 months of reserves, not 12 months.<br>The borrower has 6.87 months of audited reserves, which exceeds the 6-month requirement under the applicable DSCR program.<br>Accordingly:<br>The 12-month reserve requirement is not supported by the program matrix.<br>The borrower meets reserve requirements.<br>No exception is required.<br>Please update the reserve calculation under the correct program guidelines and clear this finding. - Seller-02/25/2026 | Resolved-Client provided 12 months rent payments on primary. Per Matrix reserve required is 6 months. Audited Reserves of 6.87 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/03/2026<br>| Long term residence - Long Term Residence = 3.83+ years<br>Credit history exceeds minimum required - Credit History = 52 Months Minimum Credit History = 24 Months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7789926 |
| 996531 | XXXX | XXXX | XXXX C A | Closed | FCRE1440 | 2026-02-24 21:08 | 2026-02-27 13:58 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received lease and proof of payment. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. Verification of rent for the subject primary residence at XXXX has already been provided.<br>The following documentation was uploaded to the system:<br>XXXX bank statements<br>Documented rent payments from XXXX<br>Executed lease agreement supporting the monthly rent obligation<br>The bank statements clearly reflect consistent rent payments in accordance with the terms of the lease agreement, satisfying housing history guideline requirements.<br>Accordingly, this finding appears to be invalid as the required documentation is already in file.<br>Please review the uploaded documents and clear this condition. - Seller-02/25/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide Verification of Rent for primary residence XXXX - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. Verification of rent for the subject primary residence at XXXX has already been provided.<br>The following documentation was uploaded to the system:<br>XXXX account XXXX bank statements<br>Documented rent payments from XXXX through XXXX<br>Executed lease agreement supporting the monthly rent obligation<br>The bank statements clearly reflect consistent rent payments in accordance with the terms of the lease agreement, satisfying housing history guideline requirements.<br>Accordingly, this finding appears to be invalid as the required documentation is already in file.<br>Please review the uploaded documents and clear this condition. - Seller-02/25/2026 | Resolved-Received lease and proof of payment. - Due Diligence Vendor-02/27/2026<br>| Long term residence - Long Term Residence = 3.83+ years<br>Credit history exceeds minimum required - Credit History = 52 Months Minimum Credit History = 24 Months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7789792 |
| 1000052 | XXXX | XXXX | XXXX C A | Closed | FPRO1257 | 2026-02-24 10:24 | 2026-03-02 10:51 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received acceptable secondary valuation supporting ROV XXXX- Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. Please see attached the updated XXXX SSR score is 1 - Seller-02/27/2026 <br> Counter-SSR provided has a value of XXXX, Appraisal has XXXX This SSR is not acceptable. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. Please see attached SSR score of 1 - Seller-02/24/2026 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. Please see attached the updated FNMA SSR score is 1 - Seller-02/27/2026 <br>Ready for Review-Document Uploaded. Please see attached SSR score of 1 - Seller-02/24/2026<br>| Resolved-Received acceptable secondary valuation supporting ROV XXXX - Due Diligence Vendor-03/02/2026 | Months Reserves exceed minimum required - 3 months reserves required, 26 months verified. <br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.005 Required is 0.8 Borrower has 1.005 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7779243 |
| 1000059 | XXXX | XXXX | XXXX C A | Closed | FCRE8013 | 2026-02-24 16:30 | 2026-03-18 11:32 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Purchase Contract is not partially provided. - Due Diligence Vendor-02/24/2026 <br> Open-Resolved-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. There is an option finder fees for 20,000, per guide the Assignment of contract or finder's fees reflected on the purchase contract are limited to no greater than $30,000 and to be included in the sales contract price and associated with the LTV/CLTV calculation. Per Final CD the Sales price is XXXX and not XXXX.\*\*\*\*20,000 was paid and reduced from sales contract also fees were paid cash by borrower. Correct sales prices is XXXX as match the final CD from Seller. - Due Diligence Vendor-02/24/2026 |  | Resolved-Purchase Contract is not partially provided. - Due Diligence Vendor-02/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 779 Required is 700 Borrower has 779<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.159 Required is 0.8 Borrower has 1.159 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7786674 |
| 1000060 | XXXX | XXXX | XXXX C A | Closed | FCRE1510 | 2026-02-23 20:18 | 2026-02-27 13:25 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. Please see attached Recorded DOT with Legal Description. - Seller-02/25/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Description referenced as attached to Security Instrument is not included within the document or riders. - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. Please see attached Recorded DOT with Legal Description. - Seller-02/25/2026<br>| Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-02/27/2026<br>| Long term residence - Long Term Residence over 10 years<br>Months Reserves exceed minimum required - Reserves: 10 Min 6  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7769646 |
| 1000534 | XXXX | XXXX | XXXX C A | Closed | FCRE4805 | 2026-02-20 07:20 | 2026-03-02 10:58 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Received Trust. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-counter is not valid, a Trust cert is what you require when we do not have the Trust, Trust have been provided twice. Please escalate this matter for manager review as TPR counters are looping without resolution. Please expedite this to be cleared as soon as possible - Seller-02/25/2026 <br> Counter-Received duplicate Seasoned Trust. Missing the Certification of Trust from Attorney or Title. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. Please see attached Revocable Trust - Seller-02/20/2026 <br> Open-Trust/POA Does Not Meet Guideline Requirements Missing the Certification of Trust from Attorney or Title. - Due Diligence Vendor-02/20/2026 | Ready for Review-counter is not valid, a Trust cert is what you require when we do not have the Trust, Trust have been provided twice. Please escalate this matter for manager review as TPR counters are looping without resolution. Please expedite this to be cleared as soon as possible - Seller-02/25/2026 <br>Ready for Review-Document Uploaded. Please see attached Revocable Trust - Seller-02/20/2026<br>| Resolved-Received Trust. - Due Diligence Vendor-03/02/2026<br>| LTV is less than guideline maximum - Max LTV is 80 Borrower has 75 Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 729 Required is 680 Borrower has 729 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7716396 |
| 1000534 | XXXX | XXXX | XXXX C A | Closed | finding-3652 | 2026-02-19 14:34 | 2026-02-24 08:20 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED CD AND COC - Seller-02/20/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($8,208.86) does not exceed or equal the comparable sum of specific and non-specific lender credits ($44,669.33). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ------Lender credit decreased from $43,833 to $7508.86 without a valid COC in file. Provide a COC for decrease OR evide52nce of refund to borrower or principal reduction in the amount of $35,624.14, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. SEE ATTACHED CD AND COC - Seller-02/20/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/24/2026<br>| LTV is less than guideline maximum - Max LTV is 80 Borrower has 75 Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 729 Required is 680 Borrower has 729 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7704952 |
| 1000534 | XXXX | XXXX | XXXX C A | Closed | finding-3540 | 2026-02-19 16:59 | 2026-02-24 08:20 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-If a revised CD was issued on XXXX, this makes it the operative disclosure. This is the version the borrower would need to acknowledge/sign at closing. The XXXX version does not need to be signed. - Seller-02/20/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ------CD XXXX is not signed and there is no evidence of when it was provided to borrower. XXXX - Due Diligence Vendor-02/19/2026 | Ready for Review-If a revised CD was issued on XXXX, this makes it the operative disclosure. This is the version the borrower would need to acknowledge/sign at closing. The XXXX version does not need to be signed. - Seller-02/20/2026 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/24/2026<br>| LTV is less than guideline maximum - Max LTV is 80 Borrower has 75 Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 729 Required is 680 Borrower has 729 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7708286 |
| 1001030 | XXXX | XXXX | XXXX D A C | Closed | FCRE1162 | 2026-02-24 14:29 | 2026-02-27 13:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-Received Flood Cert confirming not in flood zone. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/25/2026 <br> Open-Flood Certificate is Partially Provided Incorrect address listed on Flood Cert - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/25/2026<br>| Resolved-Received Flood Cert confirming not in flood zone. - Due Diligence Vendor-02/27/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.16<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 734 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7783525 |
| 1001037 | XXXX | XXXX | XXXX C B A | Closed | FPRO9999 | 2026-02-25 17:49 | 2026-02-27 15:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project has pending litigation | Waived-Received the plantiffs notice of voluntary dismissal without prejudice onoy as to defendent XXXX Condominiums. Attorney letter for addition litigation suports the insurance comnpany has assigned the attorney to defend the HOA with the Plantiff claiming at least $30,000.00 in damages. No health structural or safety issues. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. Please see Condo litigation dismissal - Seller-02/26/2026 <br> Open-The condo project has pending litigation. Per Questionnaire, There are multiples open Litigations, but not sufficient documents provided to confirm that litigation is not impacting safety, soundness, or marketability of the property. - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. Please see Condo litigation dismissal - Seller-02/26/2026<br>| Waived-Received the plantiffs notice of voluntary dismissal without prejudice onoy as to defendent Osola Condominiums. Attorney letter for addition litigation suports the insurance comnpany has assigned the attorney to defend the HOA with the Plantiff claiming at least $30,000.00 in damages. No health structural or safety issues. - Due Diligence Vendor-02/27/2026<br>| Long term residence - Long Term Residence <br>Months Reserves exceed minimum required - The borrower has 10.65 months in reserves; 6 months required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 7812342 |
| 1001037 | XXXX | XXXX | XXXX C B A | Closed | FCRE9996 | 2026-02-24 15:51 | 2026-02-27 13:42 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Received confirmation non warrantable and Delinquent HOA dues do not exceed 35% of total units. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. Please see attached 1008 already reflects as non warrantable. Please expedite this to be cleared as soon as possible - Seller-02/26/2026 <br> Open-Condo Project Full Review, Non-Warrantable due to delinquent HOA dues. - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. Please see attached 1008 already reflects as non warrantable. Please expedite this to be cleared as soon as possible - Seller-02/26/2026<br>| Resolved-Received confirmation non warrantable and Delinquent HOA dues do not exceed 35% of total units. - Due Diligence Vendor-02/27/2026<br>| Long term residence - Long Term Residence <br>Months Reserves exceed minimum required - The borrower has 10.65 months in reserves; 6 months required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7785739 |
| 1001122 | XXXX | XXXX | XXXX C A | Closed | FCRE0044 | 2026-02-24 21:14 | 2026-02-27 13:20 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/27/2026 <br> Ready for Review-The credit report reflects inquiries from Premium Credit Bureau, which is the credit reporting agency itself.<br>These are soft/system-generated inquiries related to the credit pull process and not evidence of new debt, new credit extensions, or borrower-initiated financing activity.<br>Per underwriting guidelines, a Letter of Explanation (LOE) or Letter of Explanation for Credit (LOX) is required only when inquiries indicate potential undisclosed debt or new credit obligations.<br>Since the inquiries in question are solely from the credit reporting agency and do not represent new tradelines or debt obligations, an LOE/LOX is not required.<br>Accordingly, this finding is not applicable and should be cleared. - Seller-02/25/2026 <br> Open-LOX for credit inquiries is missing. Missing LOE for credit inquiries - Due Diligence Vendor-02/25/2026 | Ready for Review-The credit report reflects inquiries from Premium Credit Bureau, which is the credit reporting agency itself.<br>These are soft/system-generated inquiries related to the credit pull process and not evidence of new debt, new credit extensions, or borrower-initiated financing activity.<br>Per underwriting guidelines, a Letter of Explanation (LOE) or Letter of Explanation for Credit (LOX) is required only when inquiries indicate potential undisclosed debt or new credit obligations.<br>Since the inquiries in question are solely from the credit reporting agency and do not represent new tradelines or debt obligations, an LOE/LOX is not required.<br>Accordingly, this finding is not applicable and should be cleared. - Seller-02/25/2026<br>| Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/27/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.7 Required is 50 Borrower has 42.7<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 750 Required is 700 Borrower has 750<br>LTV is less than guideline maximum - Required is 75 Borrower has 59.83 Required is 75 Borrower has 59.83 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7789809 |
| 1001134 | XXXX | XXXX | XXXX C A | Closed | finding-3540 | 2026-02-19 14:02 | 2026-02-27 08:38 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-----Received verification of borrower's receipt. Finding Resolved. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. SEE REBUTAL - Seller-02/26/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----- CD XXXX is not signed and there is no evidence of when it was provided to borrower.<br>[Revised CD XXXX is shown to be received XXXX which is after closing date of XXXX.]<br> - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. SEE REBUTAL - Seller-02/26/2026<br>| Resolved-----Received verification of borrower's receipt. Finding Resolved. - Due Diligence Vendor-02/27/2026<br>| LTV is less than guideline maximum - Max LTV is 85 Borrower has 69.4 Required is 85 Borrower has 69.4<br>Qualifying DTI below maximum allowed - Min DTI is 50 Borrower has 33.1 Required is 50 Borrower has 33.1<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 771 Required is 660 Borrower has 771 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7704332 |
| 1001154 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 1001293 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 1001403 | XXXX | XXXX | XXXX C B A | Closed | FCRE2244 | 2026-02-25 22:30 | 2026-03-03 10:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Originator provided a waiver for not meeting minimum Sq Ft required, applied to non material finding with comp factors - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Please expedite this to be cleared as soon as possible - Seller-02/27/2026 <br> Ready for Review-Please see attached Exception used for Final approval - Seller-02/26/2026 <br> Open-Property Issues are identified for the property Subject Property Gross Living Area is only XXXX SQ. FT. Minimum Require per guide is 500 SQ. FT. - Due Diligence Vendor-02/26/2026 | Ready for Review-Please expedite this to be cleared as soon as possible - Seller-02/27/2026 <br>Ready for Review-Please see attached Exception used for Final approval - Seller-02/26/2026<br>| Waived-Originator provided a waiver for not meeting minimum Sq Ft required, applied to non material finding with comp factors - Due Diligence Vendor-03/03/2026<br>| LTV is less than guideline maximum - LTV Required is 80% Borrower has 60%. Required is 70 Borrower has 60<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 660 Borrower has 776. Required is 660 Borrower has 776 | FICO 60 + points above min<br> LTV 10% below max<br> 12 + months reserves above min<br> DSCR > 1.2 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | N/A | 7814814 |
| 1001424 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 1001425 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 1003679 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 1003807 | XXXX | XXXX | XXXX D B A | Closed | FCRE1174 | 2026-02-25 15:14 | 2026-03-06 12:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Resolved-Received Condo Master Insurance Policy - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/05/2026 <br> Counter-Master Liability reflects different borrower, loan number and unit number. Provide clear evidence of master insurance/liability. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-The condo association maintains a blanket master insurance policy covering the entire building located at XXXX, which includes the subject unit.<br>While the certificate reflects an incorrect loan number and unit number in the description field, this is a clerical notation issue only. Coverage under a condominium master policy is building-wide and not dependent on individual unit or loan numbers being listed.<br>The borrower's HO6 policy reflects the correct unit address and provides required interior and liability coverage.<br>The master policy + HO6 policy together satisfy standard condominium insurance requirements.<br>Coverage is in place. The clerical description error does not invalidate coverage.<br>Please clear this condition. - Seller-02/25/2026 <br> Open-Condo Master Insurance Policy Partially Provided Liability policy shows the wrong loan # and wrong unit # in the description box. - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/05/2026 <br> Ready for Review-The condo association maintains a blanket master insurance policy covering the entire building located at XXXX, which includes the subject unit.<br>While the certificate reflects an incorrect loan number and unit number in the description field, this is a clerical notation issue only. Coverage under a condominium master policy is building-wide and not dependent on individual unit or loan numbers being listed.<br>The borrower's HO6 policy reflects the correct unit address and provides required interior and liability coverage.<br>The master policy + HO6 policy together satisfy standard condominium insurance requirements.<br>Coverage is in place. The clerical description error does not invalidate coverage.<br>Please clear this condition. - Seller-02/25/2026 | Resolved-Received Condo Master Insurance Policy - Due Diligence Vendor-03/06/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 60<br>Months Reserves exceed minimum required - 11 months reserves exceeds 6 months required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7808547 |
| 1003807 | XXXX | XXXX | XXXX D B A | Closed | FVAL5524 | 2026-02-25 15:05 | 2026-02-27 13:05 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property | Waived-Originator provided a waiver for XXXX sq ft < 500 sq ft required, applied to non material finding with comp factors - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. Please see attached Approved Exception Request Form that was uploaded in your file. - Seller-02/25/2026 <br> Open-Square feet less than 500 at XXXX-1008 states there is an exception however none was found in the file. - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. Please see attached Approved Exception Request Form that was uploaded in your file. - Seller-02/25/2026<br>| Waived-Originator provided a waiver for XXXX sq ft < 500 sq ft required, applied to non material finding with comp factors - Due Diligence Vendor-02/27/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 60<br>Months Reserves exceed minimum required - 11 months reserves exceeds 6 months required. | DSCR: >1.00<br> LTV: 10% < maximum allowedd. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 7808246 |
| 1003807 | XXXX | XXXX | XXXX D B A | Closed | FCRE0177 | 2026-02-25 12:10 | 2026-02-27 12:55 | Resolved | 1 - Information D A | Credit | Eligibility | Missing Third Party Market Rent Source | Resolved-Received Short Term Rental Analysis. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. Please see attached Short Term Rental Rate Analysis. Pease clear this finding. - Seller-02/26/2026 <br> Open-Missing Third Party Market Rent Source Missing proof of the short term rent used as stated on the 1008. Upon receipt, additional conditions may apply. Audit used the amount stated on the 1008, will need to analyzed upon receipt. - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. Please see attached Short Term Rental Rate Analysis. Pease clear this finding. - Seller-02/26/2026<br>| Resolved-Received Short Term Rental Analysis. - Due Diligence Vendor-02/27/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 60<br>Months Reserves exceed minimum required - 11 months reserves exceeds 6 months required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7802820 |
| 1003807 | XXXX | XXXX | XXXX D B A | Closed | FCRE1491 | 2026-02-25 13:05 | 2026-02-27 12:49 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received conversions for 2 accounts. Review considered only those 2. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. Please see attached proof of currency conversion for XXXX. Please clear this finding. - Seller-02/26/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing proof of conversion/ translations for all assets being used in this transaction and stated as verified on the final 1003. Statements provided are not in US dollars. Upon receipt additional conditions may apply. Audit used the amounts stated on the final 1003 to qualify. - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. Please see attached proof of currency conversion for XXXX. Please clear this finding. - Seller-02/26/2026 | Resolved-Received conversions for 2 accounts. Review considered only those 2. - Due Diligence Vendor-02/27/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 60<br>Months Reserves exceed minimum required - 11 months reserves exceeds 6 months required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7804301 |
| 1003807 | XXXX | XXXX | XXXX D B A | Closed | FCRE0179 | 2026-02-25 13:11 | 2026-02-27 12:41 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received 1008 confirming warrantable Type S condo. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. Please see attached PC 1008 - Warrantable Condo. - Seller-02/25/2026 <br> Open-UW Attestation/Docs stating warrantability are missing. Missing the UW Attestation confirming if the Condo is or is not warrantable. - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. Please see attached PC 1008 - Warrantable Condo. - Seller-02/25/2026<br>| Resolved-Received 1008 confirming warrantable Type S condo. - Due Diligence Vendor-02/27/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 60<br>Months Reserves exceed minimum required - 11 months reserves exceeds 6 months required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7804439 |
| 1004383 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 1004749 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| 1008403 | XXXX | XXXX | XXXX C A | Closed | FCRE1198 | 2026-02-26 10:57 | 2026-03-05 11:41 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Client provided additional gift funds and proof of receipt. Reserves are now met - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. Please attached proof of receipt of gift funds that has been uploaded in your system. Please clear this finding. - Seller-03/03/2026 <br> Counter-Received funds to close worksheet and proof of $181,632.93 gift. Worksheet provided included gift funds of $33,900 and $22,500 that were not included. Please provide gift letter and proof of receipt for the additional gifts - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Per XXXX 1.1 11-10-25 Reserves requirement for < = 80% :TV is 3 months PITIA. Please see attached snippet of XXXX Matric and funds to close worksheet as it shows # of months in Reserves is 7.81. No issues found. - Seller-03/02/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Verified assets do not cover minimum required per guidelines. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. Please attached proof of receipt of gift funds that has been uploaded in your system. Please clear this finding. - Seller-03/03/2026 <br> Ready for Review-Document Uploaded. Per XXXX Version 1.1 XXXX Reserves requirement for < = 80% :TV is 3 months PITIA. Please see attached snippet of XXXX and funds to close worksheet as it shows # of months in Reserves is 7.81. No issues found. - Seller-03/02/2026 | Resolved-Client provided additional gift funds and proof of receipt. Reserves are now met - Due Diligence Vendor-03/05/2026<br>| On time mortgage history exceeds guideline requirement - VOR reflects on time rent history for last 31 months<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 711 which exceeds the minimum of 680 Required is 680 Borrower has 711 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7823211 |
| 1010944 | XXXX | XXXX | XXXX C A | Closed | FCRE0197 | 2026-02-27 10:07 | 2026-03-03 11:23 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Final Seller CD. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Please see attached Final CD section N reflects payoffs - Seller-03/02/2026 <br> Open-The Final SELLER CD/HUD is missing. Missing the Final Seller CD/ HUD reflecting payoff(s). Upon receipt, additional conditions may apply. - Due Diligence Vendor-02/27/2026 | Ready for Review-Please see attached Final CD section N reflects payoffs - Seller-03/02/2026<br>| Resolved-Received Final Seller CD. - Due Diligence Vendor-03/03/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 34.97 Required is 50 Borrower has 34.97<br>LTV is less than guideline maximum - Max LTV is 80 Borrower has 60 Required is 80 Borrower has 60<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 799 Required is 660 Borrower has 799 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7844385 |
| 1010944 | XXXX | XXXX | XXXX C A | Closed | finding-3625 | 2026-02-24 14:58 | 2026-03-03 08:11 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-----Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. ATTACHED - Seller-02/27/2026 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. (Specific Fee) in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date XXXX.<br> - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. ATTACHED - Seller-02/27/2026<br>| Resolved-----Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-03/03/2026 | Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 34.97 Required is 50 Borrower has 34.97<br>LTV is less than guideline maximum - Max LTV is 80 Borrower has 60 Required is 80 Borrower has 60<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 799 Required is 660 Borrower has 799 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7784671 |
| 1011341 | XXXX | XXXX | XXXX D A | Closed | FCRE0053 | 2026-02-27 15:35 | 2026-03-03 11:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Rider Missing based on Property Type selected | Resolved-Received Condo Rider. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. We respectfully disagree. The Condo Rider was uploaded with the loan file. Please refer to page 68 and attached herein. - Seller-03/02/2026 <br> Open-Rider Missing from DOT screen based on Property Type selected on Property Page. Missing condo rider. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. We respectfully disagree. The Condo Rider was uploaded with the loan file. Please refer to page 68 and attached herein. - Seller-03/02/2026<br>| Resolved-Received Condo Rider. - Due Diligence Vendor-03/03/2026<br>| Months Reserves exceed minimum required - Borrowers have 22 months of verified reserves, none required.<br>LTV is less than guideline maximum - Required is 70 Borrower has 65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7851294 |
| 1011543 | XXXX | XXXX | XXXX C A | Closed | FCRE1151 | 2026-02-27 14:48 | 2026-03-04 12:08 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received Satisfactory Chain of Title - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. The referenced title report was uploaded with the loan file. Please refer to Sch C of the attached title report for #5 and #10, which establishes the chain of title. - Seller-03/03/2026 <br> Counter-No document provided. Lender confirmed borrower acquired property XXXX, which is less than 24 months ownership. Missing 24 month chain of title. Finding remains. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-We respectfully disagree. The borrower acquired this property on XXXX. Please refer to Sch C of the title report, uploaded with the loan file for #5 and #10, which establishes the chain of title. - Seller-03/02/2026 <br> Open-Unsatisfactory Chain of Title provided. Satisfactory Chain of Title not Provided - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. The referenced title report was uploaded with the loan file. Please refer to Sch C of the attached title report for #5 and #10, which establishes the chain of title. - Seller-03/03/2026 <br> Ready for Review-We respectfully disagree. The borrower acquired this property on XXXX. Please refer to Sch C of the title report, uploaded with the loan file for #5 and #10, which establishes the chain of title. - Seller-03/02/2026 | Resolved-Received Satisfactory Chain of Title - Due Diligence Vendor-03/04/2026<br>| LTV is less than guideline maximum - LTV is less than guideline maximum Required is 75 Borrower has 63.24<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is at least 20 points above minimum for program Required is 700 Borrower has 730 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7850434 |
| 1016206 | XXXX | XXXX | XXXX D B A | Closed | FCRE2244 | 2026-03-03 14:16 | 2026-03-11 08:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Originator provided a waiver for square footage less than GL requirement, applied to non material finding with comp factors - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/04/2026 <br> Open-Property Issues are identified for the property Subject unit square footage is XXXX which is below 500 square foot minimum for condo unit. Lender notes on Transmittal Summary Comment Notes indicate an approved exception; however supporting documentation was not found within loan file. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/04/2026<br>| Waived-Originator provided a waiver for square footage less than GL requirement, applied to non material finding with comp factors - Due Diligence Vendor-03/06/2026<br>| DSCR % greater than 1.20 - Rule False DSCR: 1.369 Min 1.0<br>Months Reserves exceed minimum required - Reserves: 9.93 Min 6 | 14 months reserves, ltv 5 below max | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 7902658 |
| 1016206 | XXXX | XXXX | XXXX D B A | Closed | FCRE0045 | 2026-03-03 13:49 | 2026-03-06 10:56 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Client provided ACH Authorization executed - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/04/2026 <br> Open-Foreign National but the ACH form is Missing from file. Missing Automatic Payment Authorization as required per guidelines for Foreign National transactions. <br> - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/04/2026<br>| Resolved-Client provided ACH Authorization executed - Due Diligence Vendor-03/06/2026<br>| DSCR % greater than 1.20 - Rule False DSCR: 1.369 Min 1.0<br>Months Reserves exceed minimum required - Reserves: 9.93 Min 6 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7901760 |
| 1016206 | XXXX | XXXX | XXXX D B A | Closed | FCRE1508 | 2026-03-03 12:24 | 2026-03-06 10:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Foreign National Alternative Credit Documentation is Missing | Resolved-Client provided Letter from Banking Institution - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/04/2026 <br> Open-The Alternative Credit Documentation for Foreign National is Missing. Missing documentation for- Foreign National Alternative Credit documents - Provide an international Credit Report or An original reference letter from an internationally known financial institution, or a Bank Statement documenting a foreign banking relationship for the past 60 days. - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/04/2026<br>| Resolved-Client provided Letter from Banking Institution - Due Diligence Vendor-03/06/2026<br>| DSCR % greater than 1.20 - Rule False DSCR: 1.369 Min 1.0<br>Months Reserves exceed minimum required - Reserves: 9.93 Min 6 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7899343 |
| 1018610 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 1019450 | XXXX | XXXX | XXXX D A | Closed | FCRE7497 | 2026-03-05 04:05 | 2026-03-09 13:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received REO documentation. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. Also please see attached property profile for XXXX reflecting as the Lender for the loans on this property. - Seller-03/06/2026 <br> Ready for Review-Document Uploaded. Please see attached mtg statement with XXXX for XXXX; all three statements for XXXX have been previously uploaded; XXXX is Free and Clear. See attached property profiles for XXXX. - Seller-03/06/2026 <br> Counter-Received Mortgage statements with XXXX. Payments are not consistent on duplicate account statements and statements do not indicate the Property address for the noted statements. Please confirm existing loans on XXXX. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. - Seller-03/05/2026 <br> Ready for Review-Document Uploaded. Please note REO 3e on your spreadsheet is F/C. The pending XXXX loan for REO 3d on your spreadsheet has been withdrawn. Please see attached screenshot of XXXX along with Mortgage Statements for XXXX. - Seller-03/05/2026 <br> Open-The loan application reflects a new loan with lender for REO 3e. Provide documentation to support the monthly payment and to determine if escrows are included. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. Also please see attached property profile for XXXX with XXXX reflecting as the Lender for the loans on this property. - Seller-03/06/2026 <br> Ready for Review-Document Uploaded. Please see attached mtg statement with XXXX for XXXX; all three statements for XXXX with XXXX have been previously uploaded; XXXX is Free and Clear. See attached property profiles forXXXX. - Seller-03/06/2026 <br> Ready for Review-Document Uploaded. - Seller-03/05/2026 <br> Ready for Review-Document Uploaded. Please note REO 3e on your spreadsheet is F/C. The pending XXXX loan for REO 3d on your spreadsheet has been withdrawn. Please see attached screenshot of XXXX along with Mortgage Statements for XXXX with XXXX acct XXXX. - Seller-03/05/2026 | Resolved-Received REO documentation. - Due Diligence Vendor-03/09/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 50<br>Months Reserves exceed minimum required - Guidelines require 12 months of reserves. The borrower has 122.21 months of reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7936580 |
| 1019450 | XXXX | XXXX | XXXX D A | Closed | FCRE5770 | 2026-03-03 17:24 | 2026-03-06 12:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/05/2026 <br> Open-Borrower 1 Credit Report is Missing. Missing the borrower's credit report including the scores. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/05/2026<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-03/06/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 50<br>Months Reserves exceed minimum required - Guidelines require 12 months of reserves. The borrower has 122.21 months of reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7907858 |
| 1020273 | XXXX | XXXX | XXXX D A C | Closed | FCRE1440 | 2026-03-04 10:39 | 2026-03-18 13:30 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/16/2026 <br> Counter-Payment history for the subject provided. Documentation for the Primary was not attached. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Please see attached the XXXX statements 12 mos for PRIMARY rez located at XXXX. \*\*\*\* Subject property has XXXX reflects 6 months history within the statement, see portion labeled ACCOUNT HISTORY, XXXX all paid and Other XXXX dated XXXX shows First payment made on XXXX (completes history of all payments made since inception).<br> - Seller-03/05/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide verification of mortgage payments for primary for XXXX. Provide VOM for subject mortgage with XXXX as it is not reporting on the credit report. - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/16/2026 <br> Ready for Review-Document Uploaded. Please see attached the XXXX Mortgage statements 12 mos for PRIMARY rez located at XXXX. \*\*\*\* Subject property has XXXX Mtg statementXXXX reflects 6 months history within the statement, see portion labeled ACCOUNT HISTORY, XXXX all paid and Other XXXX Mtg Stmt dated XXXX shows First payment made on XXXX (completes history of all payments made since inception).<br> - Seller-03/05/2026 | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 756<br>LTV is less than guideline maximum - Required is 70 Borrower has 56.34<br>Months Reserves exceed minimum required - Reserves = 15 months – Required Reserves = 0 Months<br>Long term residence - Long Term Residence = 9+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7919288 |
| 1020273 | XXXX | XXXX | XXXX D A C | Closed | FPRO1242 | 2026-03-04 10:12 | 2026-03-06 13:39 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/05/2026 <br> Open-Appraisal is Missing Provide missing second appraisal dated XXXX including 1007 used for market rent. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/05/2026<br>| Resolved-Received Appraisal - Due Diligence Vendor-03/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 756<br>LTV is less than guideline maximum - Required is 70 Borrower has 56.34<br>Months Reserves exceed minimum required - Reserves = 15 months – Required Reserves = 0 Months<br>Long term residence - Long Term Residence = 9+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7918587 |
| 1040481 | XXXX | XXXX | XXXX C A | Closed | finding-47 | 2026-03-13 14:25 | 2026-03-19 08:28 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD 03/18/2026. Finding Resolved. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Please see attached shows actual disbursement after rescission period ends <br> - Seller-03/18/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. Please see attached shows actual disbursement after rescission period ends <br> - Seller-03/18/2026<br>| Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-03/19/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 65 Required is 80 Borrower has 65<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.91 Required is 50 Borrower has 22.91<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 735 Required is 660 Borrower has 735 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8103058 |
| 1040481 | XXXX | XXXX | XXXX C A | Closed | FCOM0013 | 2026-03-13 13:23 | 2026-03-19 08:21 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/18/2026 <br> Open-Missing e-Consent. -----Missing proof e-consent was received and agreed upon by borrower. Non-Curable Finding - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/18/2026<br>| Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/19/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 65 Required is 80 Borrower has 65<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.91 Required is 50 Borrower has 22.91<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 735 Required is 660 Borrower has 735 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8101221 |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 4**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Redaction ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 639078 | XXXX | XXXX | XXXX | XXXX D C A B |
| 699011 | XXXX | XXXX | XXXX | XXXX D A |
| 742024 | XXXX | XXXX | XXXX | XXXX D A |
| 745690 | XXXX | XXXX | XXXX | XXXX C A D |
| 747831 | XXXX | XXXX | XXXX | XXXX A |
| 751753 | XXXX | XXXX | XXXX | XXXX D A B |
| 773228 | XXXX | XXXX | XXXX | XXXX A |
| 774896 | XXXX | XXXX | XXXX | XXXX A |
| 783909 | XXXX | XXXX | XXXX | XXXX C A B |
| 786455 | XXXX | XXXX | XXXX | XXXX C A B |
| 793805 | XXXX | XXXX | XXXX | XXXX D A B |
| 793842 | XXXX | XXXX | XXXX | XXXX D A B |
| 800903 | XXXX | XXXX | XXXX | XXXX A |
| 836484 | XXXX | XXXX | XXXX | XXXX C A |
| 840743 | XXXX | XXXX | XXXX | XXXX A |
| 842547 | XXXX | XXXX | XXXX | XXXX A |
| 846646 | XXXX | XXXX | XXXX | XXXX D A B |
| 847602 | XXXX | XXXX | XXXX | XXXX A |
| 853764 | XXXX | XXXX | XXXX | XXXX A |
| 853796 | XXXX | XXXX | XXXX | XXXX D A B |
| 857054 | XXXX | XXXX | XXXX | XXXX D A B |
| 864472 | XXXX | XXXX | XXXX | XXXX C B A |
| 864614 | XXXX | XXXX | XXXX | XXXX D A |
| 865384 | XXXX | XXXX | XXXX | XXXX A |
| 871054 | XXXX | XXXX | XXXX | XXXX D A |
| 876303 | XXXX | XXXX | XXXX | XXXX D A |
| 883223 | XXXX | XXXX | XXXX | XXXX C A |
| 883226 | XXXX | XXXX | XXXX | XXXX D A |
| 888297 | XXXX | XXXX | XXXX | XXXX C A |
| 890290 | XXXX | XXXX | XXXX | XXXX C A B |
| 891747 | XXXX | XXXX | XXXX | XXXX A |
| 915966 | XXXX | XXXX | XXXX | XXXX D A B |
| 930467 | XXXX | XXXX | XXXX | XXXX D A |
| 964132 | XXXX | XXXX | XXXX | XXXX C A |
| 965423 | XXXX | XXXX | XXXX | XXXX A |
| 969615 | XXXX | XXXX | XXXX | XXXX D A |
| 969782 | XXXX | XXXX | XXXX | XXXX D A C |
| 971968 | XXXX | XXXX | XXXX | XXXX A |
| 974898 | XXXX | XXXX | XXXX | XXXX C A |
| 974964 | XXXX | XXXX | XXXX | XXXX D A |
| 979649 | XXXX | XXXX | XXXX | XXXX A |
| 983590 | XXXX | XXXX | XXXX | XXXX A |
| 984711 | XXXX | XXXX | XXXX | XXXX C A B |
| 984815 | XXXX | XXXX | XXXX | XXXX A |
| 984829 | XXXX | XXXX | XXXX | XXXX D C A B |
| 984837 | XXXX | XXXX | XXXX | XXXX A |
| 984939 | XXXX | XXXX | XXXX | XXXX A |
| 986614 | XXXX | XXXX | XXXX | XXXX A |
| 986624 | XXXX | XXXX | XXXX | XXXX C A B |
| 986629 | XXXX | XXXX | XXXX | XXXX A C B |
| 987045 | XXXX | XXXX | XXXX | XXXX A |
| 987053 | XXXX | XXXX | XXXX | XXXX C A |
| 987077 | XXXX | XXXX | XXXX | XXXX A |
| 987089 | XXXX | XXXX | XXXX | XXXX A |
| 987250 | XXXX | XXXX | XXXX | XXXX A |
| 987982 | XXXX | XXXX | XXXX | XXXX A |
| 987988 | XXXX | XXXX | XXXX | XXXX D A |
| 988014 | XXXX | XXXX | XXXX | XXXX A |
| 988021 | XXXX | XXXX | XXXX | XXXX C A |
| 988025 | XXXX | XXXX | XXXX | XXXX A C B |
| 988406 | XXXX | XXXX | XXXX | XXXX D A C |
| 988495 | XXXX | XXXX | XXXX | XXXX D A |
| 988616 | XXXX | XXXX | XXXX | XXXX A |
| 988959 | XXXX | XXXX | XXXX | XXXX C A |
| 988979 | XXXX | XXXX | XXXX | XXXX A |
| 988981 | XXXX | XXXX | XXXX | XXXX C A |
| 989846 | XXXX | XXXX | XXXX | XXXX A |
| 989848 | XXXX | XXXX | XXXX | XXXX A |
| 989849 | XXXX | XXXX | XXXX | XXXX A C |
| 989864 | XXXX | XXXX | XXXX | XXXX C A |
| 989898 | XXXX | XXXX | XXXX | XXXX A |
| 989921 | XXXX | XXXX | XXXX | XXXX C A |
| 989922 | XXXX | XXXX | XXXX | XXXX A |
| 989973 | XXXX | XXXX | XXXX | XXXX C A B |
| 990191 | XXXX | XXXX | XXXX | XXXX A |
| 990235 | XXXX | XXXX | XXXX | XXXX C A |
| 990273 | XXXX | XXXX | XXXX | XXXX A |
| 990288 | XXXX | XXXX | XXXX | XXXX A |
| 990621 | XXXX | XXXX | XXXX | XXXX A D |
| 990647 | XXXX | XXXX | XXXX | XXXX D A |
| 990659 | XXXX | XXXX | XXXX | XXXX A |
| 990672 | XXXX | XXXX | XXXX | XXXX A |
| 990686 | XXXX | XXXX | XXXX | XXXX A |
| 990702 | XXXX | XXXX | XXXX | XXXX C A |
| 992912 | XXXX | XXXX | XXXX | XXXX C A B |
| 992947 | XXXX | XXXX | XXXX | XXXX A |
| 992949 | XXXX | XXXX | XXXX | XXXX C A |
| 993308 | XXXX | XXXX | XXXX | XXXX A |
| 993317 | XXXX | XXXX | XXXX | XXXX A |
| 993363 | XXXX | XXXX | XXXX | XXXX C A |
| 993458 | XXXX | XXXX | XXXX | XXXX C A B |
| 993519 | XXXX | XXXX | XXXX | XXXX A |
| 993571 | XXXX | XXXX | XXXX | XXXX C A |
| 993584 | XXXX | XXXX | XXXX | XXXX D A |
| 993799 | XXXX | XXXX | XXXX | XXXX A |
| 993880 | XXXX | XXXX | XXXX | XXXX D A C |
| 993900 | XXXX | XXXX | XXXX | XXXX C A B |
| 993948 | XXXX | XXXX | XXXX | XXXX A |
| 993950 | XXXX | XXXX | XXXX | XXXX A |
| 993954 | XXXX | XXXX | XXXX | XXXX D A |
| 994058 | XXXX | XXXX | XXXX | XXXX A |
| 994128 | XXXX | XXXX | XXXX | XXXX C A B |
| 994139 | XXXX | XXXX | XXXX | XXXX D A |
| 994392 | XXXX | XXXX | XXXX | XXXX A |
| 994419 | XXXX | XXXX | XXXX | XXXX D A |
| 994423 | XXXX | XXXX | XXXX | XXXX C A |
| 996269 | XXXX | XXXX | XXXX | XXXX A |
| 996374 | XXXX | XXXX | XXXX | XXXX D C A |
| 996440 | XXXX | XXXX | XXXX | XXXX A |
| 996509 | XXXX | XXXX | XXXX | XXXX C A B |
| 996512 | XXXX | XXXX | XXXX | XXXX A |
| 996531 | XXXX | XXXX | XXXX | XXXX C A |
| 1000052 | XXXX | XXXX | XXXX | XXXX A C |
| 1000059 | XXXX | XXXX | XXXX | XXXX C A |
| 1000060 | XXXX | XXXX | XXXX | XXXX C A |
| 1000534 | XXXX | XXXX | XXXX | XXXX C A |
| 1001030 | XXXX | XXXX | XXXX | XXXX D C A |
| 1001037 | XXXX | XXXX | XXXX | XXXX C A B |
| 1001122 | XXXX | XXXX | XXXX | XXXX C A |
| 1001134 | XXXX | XXXX | XXXX | XXXX A C |
| 1001154 | XXXX | XXXX | XXXX | XXXX A |
| 1001293 | XXXX | XXXX | XXXX | XXXX A |
| 1001403 | XXXX | XXXX | XXXX | XXXX C A B |
| 1001424 | XXXX | XXXX | XXXX | XXXX A |
| 1001425 | XXXX | XXXX | XXXX | XXXX A |
| 1003679 | XXXX | XXXX | XXXX | XXXX A |
| 1003807 | XXXX | XXXX | XXXX | XXXX D A B |
| 1004383 | XXXX | XXXX | XXXX | XXXX A |
| 1004749 | XXXX | XXXX | XXXX | XXXX A |
| 1008403 | XXXX | XXXX | XXXX | XXXX C A |
| 1010944 | XXXX | XXXX | XXXX | XXXX C A |
| 1011341 | XXXX | XXXX | XXXX | XXXX D A |
| 1011543 | XXXX | XXXX | XXXX | XXXX C A |
| 1016206 | XXXX | XXXX | XXXX | XXXX D A B |
| 1018610 | XXXX | XXXX | XXXX | XXXX A |
| 1019450 | XXXX | XXXX | XXXX | XXXX D A |
| 1020273 | XXXX | XXXX | XXXX | XXXX C A D |
| 1040481 | XXXX | XXXX | XXXX | XXXX A C |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redaction ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 639078 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report |  | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | -.0446 | 1073 Individual Condo Report |  |  |  |  | XXXX | XXXX | -.0446 | XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 699011 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report |  | XXXX | XXXX | XXXX | 30 | 30 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.2 | XXXX |
| 742024 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004C Manufactured Home | XXXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 745690 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 747831 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.2 | XXXX |
| 751753 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 773228 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 50 | 50 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible |  |  |
| 774896 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 783909 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 36.84 | 36.84 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| 786455 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible | 1 | XXXX |
| 793805 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 2.1 | XXXX |
| 793842 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| 800903 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX |
| 836484 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  |  |
| 840743 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842547 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| 846646 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004C Manufactured Home | XXXXX | XXXX | XXXX | XXXX | 47.06 | 47.06 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847602 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| 853764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0187 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0187 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 853796 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXXX | XXXX | XXXX | XXXX | 60.47 | 60.47 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| 857054 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXXX | XXXX | XXXX | XXXX | 60 | 77.86 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864472 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| 864614 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865384 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 50 | 50 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 871054 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| 876303 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 883223 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 53.92 | 53.92 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 883226 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 74.27 | 74.27 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 888297 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| 890290 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71B | XXXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 891747 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| 915966 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXXX | XXXX | XXXX | XXXX | 50 | 50 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| 930467 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 964132 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX |
| 965423 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXXX | XXXX | XXXX | XXXX | 51.21 | 51.21 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| 969615 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXXX | XXXX | XXXX | XXXX | 50 | 50 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 969782 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXXX | XXXX | XXXX | XXXX | 50 | 50 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 971968 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004C Manufactured Home | XXXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 974898 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 68.18 | 68.18 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | XXXX |
| 974964 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 979649 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0135 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0135 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| 983590 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| 984711 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal Narrative | XXXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | -.0079 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0079 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 984815 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | .0249 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0249 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 984829 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| 984837 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 47.69 | 47.69 | XXXX | XXXX | -.0839 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0839 | 93 | 0.07 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XXXX |
| 984939 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| 986614 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 986624 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |
| 986629 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | XXXX | -.0918 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0482 | 94 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX | -.0918 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 987045 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 51.11 | 51.11 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 1.6 | XXXX |
| 987053 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 987077 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 987089 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| 987250 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 987982 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| 987988 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 988014 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 988021 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible | 2.5 | XXXX |
| 988025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| 988406 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | XXXX |
| 988495 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 63.67 | 63.67 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2.4 | XXXX |
| 988616 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| 988959 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 988979 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 55 | 55 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| 988981 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 989846 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 25 | 25 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.1 | XXXX |
| 989848 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 64.04 | 64.04 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 4.1 | XXXX |
| 989849 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 65.22 | 65.22 | XXXX | XXXX | .0217 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0217 | XXXX | 1004 URAR | XXXX | XXXX | -.0029 | 61 | 0.39 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 989864 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| 989898 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXXX | XXXX | XXXX | XXXX | 69.78 | 69.78 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 989921 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 2.1 | XXXX |
| 989922 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | XXXX | -.0341 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0341 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 989973 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 990191 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 51.44 | 51.44 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| 990235 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 990273 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| 990288 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| 990621 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXXX | XXXX | XXXX | XXXX | 71.59 | 71.59 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| 990647 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 990659 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXXX | XXXX | XXXX | XXXX | 79.8 | 79.8 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 990672 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 990686 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 990702 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 78.6 | 78.6 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| 992912 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XXXX |
| 992947 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| 992949 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 993308 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | -.0415 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0719 | 93 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX | -.0415 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 993317 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| 993363 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| 993458 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.1 | XXXX |
| 993519 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 59.62 | 59.62 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 993571 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXXX | XXXX | XXXX | XXXX | 50 | 50 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 993584 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 993799 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 993880 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | -.0127 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.3354 | XXXX | High | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0127 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 993900 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 56.18 | 56.18 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| 993948 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 63.24 | 63.24 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| 993950 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| 993954 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.1166 | 95 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 994058 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 994128 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| 994139 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 994392 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| 994419 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 994423 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | -.0154 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0154 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 996269 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XXXX |
| 996374 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 58.94 | 58.94 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| 996440 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 34.33 | 34.33 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 996509 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| 996512 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| 996531 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 74.41 | 74.41 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX |
| 1000052 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 1000059 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 77.44 | 77.44 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| 1000060 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.3 | XXXX |
| 1000534 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | -.0013 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0013 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | XXXX |
| 1001030 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 1001037 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 1001122 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 59.83 | 59.83 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 1001134 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 69.4 | 69.4 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| 1001154 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| 1001293 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX | Not Eligible | 1.6 | XXXX |
| 1001403 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 1001424 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| 1001425 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1003679 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 1003807 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| 1004383 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| 1004749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0020 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0020 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| 1008403 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible | 1.5 | XXXX |
| 1010944 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 1011341 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| 1011543 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 63.24 | 63.24 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.1 | XXXX |
| 1016206 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 1018610 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| 1019450 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 50 | 50 | XXXX | XXXX | .1591 | 1004 URAR |  |  |  |  | XXXX | XXXX | .1591 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| 1020273 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXXX | XXXX | XXXX | XXXX | 56.34 | 56.34 | XXXX | XXXX | .0000 | 1073 Individual Condo Report |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 1040481 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | -.0027 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0027 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |

---

## Exhibit 99.4

**Exhibit 99.4**

![](tm2612015d1_ex99-4img001.jpg)

------

FORWARD THINKING. SEAMLESS SOLUTIONS**.**

Executive Summary<br> BARC 2026-NQM4<br> Dated: April 8, 2026

**290 S. Preston Road \| Suite 370 \| Prosper, TX 75078**

**P: 888.892.1843 \|** **<u>evolvemortgageservices.com</u>**

![](tm2612015d1_ex99-4img002.jpg)

**Forward Thinking. Seamless Solutions.**

------

**EXECUTIVE SUMMARY**

**Overview**

Evolve Mortgage Services ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by Sutton Funding LLC, (together with its affiliates the "Client"). The Review was conducted via files imaged and provided by the client or its designee for review.

**Sample size of the assets reviewed.**

The final population of the Review covered 5 Business Purpose loans, totaling an aggregate original principal balance of approximately $2,020,200.00 Evolve is not aware of the overall securitization population as other third-party review (TPR") firms may have reviewed loans within the overall securitization loan population.

**Determination of the sample size and computation.**

The Review was conducted consistent with the criteria for Moody's Investors Service, Inc. and S&P

Global Ratings ("S&P"), the NRSROs identified in Item 3 of the ABS Due Diligence-15E.

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

Evolve compared data provided by the Client and uploaded to the diligence system to the data found in the Loan file as captured during the Review. The data integrity review was completed versus data as provided at the time of initial diligence or subsequently updated. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available and applicable, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Street Address |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;QM Status |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Qualifying Credit Score |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Qualifying DTI |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;Self-Employment Flag |

---

---

| | | |
|:---|:---|:---|
| ![](tm2612015d1_ex99-4img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| Page |

---

![](tm2612015d1_ex99-4img002.jpg)

**Forward Thinking. Seamless Solutions.**

------

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

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

For each Loan, Evolve will review the Loan File and verify whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h)title/preliminary title, (i) mortgage/ deed of trust, G) note, (k) certificate of business purpose / non-owner occupancy, (1) articles of incorporation, if applicable, (m) operating agreement, (n) background check and (o) leases.

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

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

*Credit Application*

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

*Credit Report*

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

*Borrowing Entity*

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

---

| | | |
|:---|:---|:---|
| ![](tm2612015d1_ex99-4img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| Page |

---

![](tm2612015d1_ex99-4img002.jpg)

**Forward Thinking. Seamless Solutions.**

------

*Property Income*

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

*Valuation Review*

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

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

Other aspects of Evolve's review include (i) verifying that the address matched the mortgage note, (ii) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.

*Asset Review*

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

---

| | | |
|:---|:---|:---|
| ![](tm2612015d1_ex99-4img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| Page |

---

![](tm2612015d1_ex99-4img002.jpg)

**Forward Thinking. Seamless Solutions.**

------

*Insurance*

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

*Title*

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

*Fraud / Criminal Background*

To the extent potentially fraudulent activity is identified as part of the document review, such information will be reported to Client. In addition, Evolve will look for an independent, third party fraud report and background check in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan.

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

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

Review procedures include:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Final
 Form 1003/Loan application is reviewed to ensure that the subject property listed is
 consistent with the subject property, and that the listed residence for the Individual(s) is
 an address other than the subject property.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review
 additional items for confirmation of non-owner occupancy possibly including:

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

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

---

| | | |
|:---|:---|:---|
| ![](tm2612015d1_ex99-4img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| Page |

---

![](tm2612015d1_ex99-4img002.jpg)

**Forward Thinking. Seamless Solutions.**

------

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Calculate
 DSCR as required by the guidelines

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

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

---

| | | |
|:---|:---|:---|
| ![](tm2612015d1_ex99-4img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| Page |

---

![](tm2612015d1_ex99-4img002.jpg)

**Forward Thinking. Seamless Solutions.**

------

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | **Moody's** | **Moody's** |
| &nbsp;&nbsp;**NRSRO Grade** | **# Loans** | **% of Loans** |
| &nbsp;&nbsp;A | 5 | 100.00% |
| &nbsp;&nbsp;B | - | 0.00% |
| &nbsp;&nbsp;C | - | 0.00% |
| &nbsp;&nbsp;D | - | 0.00% |
| &nbsp;&nbsp;N/A | - | 0.00% |
| &nbsp;&nbsp;**Total** | **5** | **100.00%** |

---

**Credit Results Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | **Moody's** | **Moody's** |
| &nbsp;&nbsp;**NRSRO Grade** | **# Loans** | **% of Loans** |
| &nbsp;&nbsp;A | - | 0.00% |
| &nbsp;&nbsp;B | - | 0.00% |
| &nbsp;&nbsp;C | - | 0.00% |
| &nbsp;&nbsp;D | - | 0.00% |
| &nbsp;&nbsp;N/A | 5 | 100.00% |
| &nbsp;&nbsp;**Total** | **5** | **100.00%** |

---

**Property Valuation Results Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | **Moody's** | **Moody's** |
| &nbsp;&nbsp;**NRSRO Grade** | **# Loans** | **% of Loans** |
| &nbsp;&nbsp;A | 4 | 80.00% |
| &nbsp;&nbsp;B | 1 | 20.00% |
| &nbsp;&nbsp;C | - | 0.00% |
| &nbsp;&nbsp;D | - | 0.00% |
| &nbsp;&nbsp;N/A | - | 0.00% |
| &nbsp;&nbsp;**Total** | **4** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| ![](tm2612015d1_ex99-4img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 5 \| Page |

---

![](tm2612015d1_ex99-4img002.jpg)

**Forward Thinking. Seamless Solutions.**

------

**Overall Results Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | **Moody's** | **Moody's** |
| &nbsp;&nbsp;**NRSRO Grade** | **# Loans** | **% of Loans** |
| &nbsp;&nbsp;A | 4 | 80.00% |
| &nbsp;&nbsp;B | 1 | 20.00% |
| &nbsp;&nbsp;C | - | 0.00% |
| &nbsp;&nbsp;D | - | 0.00% |
| &nbsp;&nbsp;N/A | - | 0.00% |
| &nbsp;&nbsp;**Total** | **5** | **100.00%** |

---

**Data Results Summary**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | **# Loans with Discrepancy** | **Total Time Compared** | **% Variance** |
| &nbsp;&nbsp;Note Date | 5 | 5 | 100.00% |
| &nbsp;&nbsp;PITI | 1 | 5 | 20.00% |
| &nbsp;&nbsp;Prepayment Penalty Type | 4 | 5 | 80.00% |
| &nbsp;&nbsp;Product Code | 2 | 5 | 40.00% |
| &nbsp;&nbsp;Property Type | 1 | 5 | 20.00% |
| &nbsp;&nbsp;QM Status | 5 | 5 | 100.00% |

---

**APPENDIX A**

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

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

---

| | | |
|:---|:---|:---|
| ![](tm2612015d1_ex99-4img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 6 \| Page |

---

![](tm2612015d1_ex99-4img002.jpg)

**Forward Thinking. Seamless Solutions.**

------

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

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

**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014</u>**

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](tm2612015d1_ex99-4img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 7 \| Page |

---

![](tm2612015d1_ex99-4img002.jpg)

**Forward Thinking. Seamless Solutions.**

------

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](tm2612015d1_ex99-4img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 8 \| Page |

---

![](tm2612015d1_ex99-4img002.jpg)

**Forward Thinking. Seamless Solutions.**

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> i) confirm the presence of the Servicing Disclosure Statement form in the loan file;

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

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

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

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

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

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

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

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

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

**(V) Federal and state specific late charge and prepayment penalty provisions;**

**(VI) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
TIL;

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

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

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

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

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](tm2612015d1_ex99-4img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 9 \| Page |

---

![](tm2612015d1_ex99-4img002.jpg)

**Forward Thinking. Seamless Solutions.**

------

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014</u>**

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;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;i) confirm that the creditor provided
the borrower a list of homeownership counseling organizations within three (3) business days of application; and

ii) confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

---

| | | |
|:---|:---|:---|
| ![](tm2612015d1_ex99-4img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 10 \| Page |

---

![](tm2612015d1_ex99-4img002.jpg)

**Forward Thinking. Seamless Solutions.**

------

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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

The Review also includes determining, as applicable, whether a loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

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

---

| | | |
|:---|:---|:---|
| ![](tm2612015d1_ex99-4img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 11 \| Page |

---

![](tm2612015d1_ex99-4img002.jpg)

**Forward Thinking. Seamless Solutions.**

------

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

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

*Note*: for loans designated as QM – agency eligible, Evolve will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

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

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

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

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

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

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

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(XI) FIRREA Review**

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

---

| | | |
|:---|:---|:---|
| ![](tm2612015d1_ex99-4img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 12 \| Page |

---

![](tm2612015d1_ex99-4img002.jpg)

**Forward Thinking. Seamless Solutions.**

------

**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015</u>**

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:

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

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

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

---

| | | |
|:---|:---|:---|
| ![](tm2612015d1_ex99-4img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 13 \| Page |

---

![](tm2612015d1_ex99-4img002.jpg)

**Forward Thinking. Seamless Solutions.**

------

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any written estimate
of terms or costs provided prior to receipt of a LE contained the required disclosures;

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

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) identify tolerance violations
based on the charges disclosed on the initial and interim [E'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.)

---

| | | |
|:---|:---|:---|
| ![](tm2612015d1_ex99-4img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 14 \| Page |

---

![](tm2612015d1_ex99-4img002.jpg)

**Forward Thinking. Seamless Solutions.**

------

&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.

**(XIII) Document Review**

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](tm2612015d1_ex99-4img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 15 \| Page |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 1**

![](tm2612015d1_ex99-4schimg01.jpg)

**Data Compare**

**Run Date - 04/13/2026 3:31:46 PM**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 1674398 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1674398 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1674398 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1679618 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1679618 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1679618 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt |  |
| 1687140 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1687140 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1687140 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | BITIN 30 YR FIXED 3 YR PPP | BITIN30YRFIXED3YRPPP | Verified |
| 1687140 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt |  |
| 1683086 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1683086 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1683086 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | BPACC 30 YR FIXED 3 YEAR PPP STEP DN | BPACC30YF3YPPSD | Verified |
| 1683086 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1680290 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1680290 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1680290 | XXXXXXXXXXX | XXXXXXXXXXX | Property Type | PUD-Detached | PUD-Attached | Verified |
| 1680290 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt |  |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 2**

![](tm2612015d1_ex99-4schimg01.jpg)

**Exception Detail**

**Run Date - 04/13/2026 3:31:46 PM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 1674398 | XXXXXXXXXXX | XXXXXXXXXXX | 7156963 | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Net proceeds from sale of an XXXX may be used for cash to close only, not reserves. XXXXXXXXX used funds from the sale of their departure residence for the closing costs and reserves. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX of XXXXXXX months where the minimum required is XX months; XXXXXXXXXXX investor. XXXXX XXXXXX of XXXXXX where the minimum required is XXXXXX and XXXXXXX score of XXXX where the minimum required is XXXXX |  |  |  | 09/08/2025 B | 2 | XXXXXXXXXX | NY | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1674398 | XXXXXXXXXXX | XXXXXXXXXXX | 7156964 | 327 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | Borrowers living rent-free with anyone other than spouse are not eligible; however, could be reviewed for an exception. XXXXXXXXX is currently living rent free with their sister. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX of XXXXXXX months where the minimum required is XX months; XXXXXXXXXXX investor. XXXXX XXXXXX of XXXXXX where the minimum required is XXXXXX and XXXXXXX score of XXXX where the minimum required is XXXXX |  |  |  | 09/08/2025 B | 2 | XXXXXXXXXX | NY | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1687140 | XXXXXXXXXXX | XXXXXXXXXXX | 8049304 | 399 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Gift Letter (fully executed) |  | The gift letter for the XXXXXXX in gift funds received at closing was not located in the loan file. | Gift XXXXXXX received |  | Client 02/10/2026 03:26 PM; Please see gift letter attached. XXXXXX you. <br>Reviewer 02/10/2026 04:08 PM; <br>| 02/10/2026 |  | A | 1 | XXXXXXXXXX | CT | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 3**

![](tm2612015d1_ex99-4schimg01.jpg)

**QM ATR Data**

**Run Date - 04/13/2026 3:31:46 PM**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **CDFI Indicator** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Borrower Residency Source** | **Co Borrower Foreign National Indicator** | **Co Borrower Residency Source** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| 1674398 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1679618 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687140 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1683086 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1680290 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |

---

## Exhibit 99.4

**Exhibit 99.3 Schedule 4**

![](tm2612015d1_ex99-4schimg01.jpg)

**Rating Agency Grades**

**Run Date - 04/13/2026 3:31:46 PM**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 1674398 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1679618 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1687140 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1683086 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1680290 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.4

**Exhibit 99.3 Schedule 5**

![](tm2612015d1_ex99-4schimg01.jpg)

**Valuation Report**

**Run Date - 04/13/2026 3:31:46 PM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Appraisal Type** | **Appraisal Company** | **Appraiser Name** | **Appraiser State License Number** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 1674398 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1679618 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.6 |
| 1687140 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Low RIsk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1683086 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.2 |
| 1680290 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---