# EDGAR Filing Document

**Accession Number:** 0002062117
**File Stem:** 0001999371-25-012959
**Filing Date:** 2025-9
**Character Count:** 2582971
**Document Hash:** ee481aca0f33471e330d1539a2e7c705
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-012959.hdr.sgml**: 20250909

**ACCESSION NUMBER**: 0001999371-25-012959

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

**PUBLIC DOCUMENT COUNT**: 39

**CONFORMED PERIOD OF REPORT**: 20250909

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

**FILED AS OF DATE**: 20250909

**DATE AS OF CHANGE**: 20250909

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GCAT Depositor VI LLC
- **CENTRAL INDEX KEY:** 0002072245

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07780
- **FILM NUMBER:** 251304129

**BUSINESS ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 212-692-2000

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

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

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

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

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

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

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

**<u>GCAT Depositor vi llc</u>**

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

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

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: 0002072245

<u>GCAT 2025-NQM5 Trust</u><br> (Exact name of issuing entity as specified in its charter)

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

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

Thomas Durkin, (212) 692-2000

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

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

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

Not Applicable

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

Not Applicable

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

Not Applicable

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

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

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

EXHIBIT INDEX

---

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

---

**SIGNATURES**

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

gcat DEPOSITOR vi LLC

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

Date: September 9, 2025

/s/ Thomas Durkin

Name: Thomas Durkin

Title: President (senior officer in charge of securitization)

## Exhibit 99.1

[GCAT Depositor vi llcabs-15g](gcat2025-abs15g.htm)

**Exhibit 99.1**

![](ex991001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed the due diligence services described below (the "Review") on residential mortgage loans and business purpose loans originated by various parties who are sellers to Blue River Mortgage VI LLC or its affiliates (the "Client") through flow or mini-bulk transactions. The Review was conducted from January 2025 through August 2025 on mortgage loans with origination dates from December 2024 through July 2025 via files imaged and provided by the Client for review.

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

The total population of the Review covered 508 mortgage loans totaling an aggregate original principal balance of approximately $301.912 million.

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

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

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original HLTV |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Guideline Name | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Blanket Mortgage? | &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Origination Channel |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;Originator Loan Designation |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;PITIA Reserves Months |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Last Property Transfer Date | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;Loan Property Count | &nbsp;&nbsp;State |
| &nbsp;&nbsp;City | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;Total Income |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Universal Loan Identifier (ULI) |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original CLTV |  |

---

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![](ex991001.jpg)

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

**<u>CREDIT SCOPE (349 Mortgage Loans):</u>**

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

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

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

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

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

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

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

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

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

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

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![](ex991001.jpg)

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

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

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

**<u>BUSINESS PURPOSE SCOPE (159 Loans)</u>**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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![](ex991001.jpg)

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

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

---

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

---

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

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

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

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

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![](ex991001.jpg)

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

**<u>COMPLIANCE SCOPE (349 Mortgage Loans)</u>**

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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

---

---

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

---

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

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

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

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

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

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

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

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

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

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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.

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**(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.).

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

**SUMMARY OF FINDINGS AND CONCLUSIONS** 

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

**OVERALL REVIEW RESULTS SUMMARY**

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

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Kroll Loan Grades (# of Loans)** | &nbsp;&nbsp;**Kroll Loan Grades (# of Loans)** | &nbsp;&nbsp;**Kroll Loan Grades (# of Loans)** | &nbsp;&nbsp;**Kroll Loan Grades (# of Loans)** | &nbsp;&nbsp;**Kroll Loan Grades (# of Loans)** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;423 | &nbsp;&nbsp;303 | &nbsp;&nbsp;507 | &nbsp;&nbsp;382 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;85 | &nbsp;&nbsp;46 | &nbsp;&nbsp;1 | &nbsp;&nbsp;126 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**508** | &nbsp;&nbsp;**349** | &nbsp;&nbsp;**508** | &nbsp;&nbsp;**508** |
| &nbsp;&nbsp;**Kroll Loan Grades (% of Loans)** | &nbsp;&nbsp;**Kroll Loan Grades (% of Loans)** | &nbsp;&nbsp;**Kroll Loan Grades (% of Loans)** | &nbsp;&nbsp;**Kroll Loan Grades (% of Loans)** | &nbsp;&nbsp;**Kroll Loan Grades (% of Loans)** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;83.27% | &nbsp;&nbsp;86.82% | &nbsp;&nbsp;99.80% | &nbsp;&nbsp;75.20% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;16.73% | &nbsp;&nbsp;13.18% | &nbsp;&nbsp;0.20% | &nbsp;&nbsp;24.80% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**S&P Loan Grades (# of Loans)** | &nbsp;&nbsp;**S&P Loan Grades (# of Loans)** | &nbsp;&nbsp;**S&P Loan Grades (# of Loans)** | &nbsp;&nbsp;**S&P Loan Grades (# of Loans)** | &nbsp;&nbsp;**S&P Loan Grades (# of Loans)** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;423 | &nbsp;&nbsp;303 | &nbsp;&nbsp;501 | &nbsp;&nbsp;378 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;85 | &nbsp;&nbsp;46 | &nbsp;&nbsp;7 | &nbsp;&nbsp;130 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**508** | &nbsp;&nbsp;**349** | &nbsp;&nbsp;**508** | &nbsp;&nbsp;**508** |

---

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**S&P Loan Grades (% of Loans)** | &nbsp;&nbsp;**S&P Loan Grades (% of Loans)** | &nbsp;&nbsp;**S&P Loan Grades (% of Loans)** | &nbsp;&nbsp;**S&P Loan Grades (% of Loans)** | &nbsp;&nbsp;**S&P Loan Grades (% of Loans)** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;83.27% | &nbsp;&nbsp;86.82% | &nbsp;&nbsp;98.62% | &nbsp;&nbsp;74.41% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;16.73% | &nbsp;&nbsp;13.18% | &nbsp;&nbsp;1.38% | &nbsp;&nbsp;25.59% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION CATEGORY SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Kroll Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;42 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***65*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;***65*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;89 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***114*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;***114*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**180** |

---

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---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**S&P Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;42 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***65*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;***65*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;89 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***114*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;***114*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***7*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**7** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**186** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 508 mortgage loans reviewed, 328 mortgage loans had 1,746 different tape discrepancies across 51 data fields (some mortgage loans had more than one data delta). The largest variances were found on Amortization Term, Lien Position, Amortization Type and Original Term.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;164 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;232 | &nbsp;&nbsp;346 | &nbsp;&nbsp;67.05% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;230 | &nbsp;&nbsp;346 | &nbsp;&nbsp;66.47% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;10 | &nbsp;&nbsp;259 | &nbsp;&nbsp;3.86% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Blanket Mortgage? | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;36 | &nbsp;&nbsp;164 | &nbsp;&nbsp;21.95% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;36 | &nbsp;&nbsp;164 | &nbsp;&nbsp;21.95% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;98 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;5 | &nbsp;&nbsp;10 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;6 | &nbsp;&nbsp;410 | &nbsp;&nbsp;1.46% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;37 | &nbsp;&nbsp;8.11% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;5 | &nbsp;&nbsp;37 | &nbsp;&nbsp;13.51% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;47 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;194 | &nbsp;&nbsp;311 | &nbsp;&nbsp;62.38% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;405 | &nbsp;&nbsp;1.23% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Guideline Name | &nbsp;&nbsp;222 | &nbsp;&nbsp;238 | &nbsp;&nbsp;93.28% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;14 | &nbsp;&nbsp;16 | &nbsp;&nbsp;87.50% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;3 | &nbsp;&nbsp;4 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;37 | &nbsp;&nbsp;353 | &nbsp;&nbsp;10.48% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Last Property Transfer Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;231 | &nbsp;&nbsp;410 | &nbsp;&nbsp;56.34% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Loan Property Count | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;94 | &nbsp;&nbsp;1.06% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;405 | &nbsp;&nbsp;1.23% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;164 | &nbsp;&nbsp;2.44% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;508 | &nbsp;&nbsp;0.20% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;503 | &nbsp;&nbsp;0.40% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;410 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;3 | &nbsp;&nbsp;410 | &nbsp;&nbsp;0.73% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;508 | &nbsp;&nbsp;0.39% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;3 | &nbsp;&nbsp;142 | &nbsp;&nbsp;2.11% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;230 | &nbsp;&nbsp;410 | &nbsp;&nbsp;56.10% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;4 | &nbsp;&nbsp;5 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;2 | &nbsp;&nbsp;237 | &nbsp;&nbsp;0.84% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;61 | &nbsp;&nbsp;508 | &nbsp;&nbsp;12.01% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;508 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;125 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;15 | &nbsp;&nbsp;410 | &nbsp;&nbsp;3.66% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;410 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;5 | &nbsp;&nbsp;164 | &nbsp;&nbsp;3.05% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;75 | &nbsp;&nbsp;158 | &nbsp;&nbsp;47.47% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Total Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Universal Loan Identifier (ULI) | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;31 | &nbsp;&nbsp;508 | &nbsp;&nbsp;6.10% | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1746** | &nbsp;&nbsp;**10453** | &nbsp;&nbsp;**16.70%** | &nbsp;&nbsp;**508** |

---

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;504 | &nbsp;&nbsp;99.21% | &nbsp;&nbsp;$298399048.00 | &nbsp;&nbsp;98.84% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.79% | &nbsp;&nbsp;$3513177.00 | &nbsp;&nbsp;1.16% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**508** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$301912225.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;508 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$301912225.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**508** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$301912225.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;204 | &nbsp;&nbsp;40.16% | &nbsp;&nbsp;$106066342.00 | &nbsp;&nbsp;35.13% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;55 | &nbsp;&nbsp;10.83% | &nbsp;&nbsp;$36569851.00 | &nbsp;&nbsp;12.11% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;208 | &nbsp;&nbsp;40.94% | &nbsp;&nbsp;$133305312.00 | &nbsp;&nbsp;44.15% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;41 | &nbsp;&nbsp;8.07% | &nbsp;&nbsp;$25970720.00 | &nbsp;&nbsp;8.60% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**508** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$301912225.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.59% | &nbsp;&nbsp;$631500.00 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;502 | &nbsp;&nbsp;98.82% | &nbsp;&nbsp;$296915727.00 | &nbsp;&nbsp;98.35% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.59% | &nbsp;&nbsp;$4364998.00 | &nbsp;&nbsp;1.45% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**508** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$301912225.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;280 | &nbsp;&nbsp;55.12% | &nbsp;&nbsp;$178588869.00 | &nbsp;&nbsp;59.15% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;46 | &nbsp;&nbsp;9.06% | &nbsp;&nbsp;$19875064.00 | &nbsp;&nbsp;6.58% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;12 | &nbsp;&nbsp;2.36% | &nbsp;&nbsp;$5954900.00 | &nbsp;&nbsp;1.97% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;129 | &nbsp;&nbsp;25.39% | &nbsp;&nbsp;$74155312.00 | &nbsp;&nbsp;24.56% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.79% | &nbsp;&nbsp;$1789400.00 | &nbsp;&nbsp;0.59% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;29 | &nbsp;&nbsp;5.71% | &nbsp;&nbsp;$17552180.00 | &nbsp;&nbsp;5.81% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.38% | &nbsp;&nbsp;$3846500.00 | &nbsp;&nbsp;1.27% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.20% | &nbsp;&nbsp;$150000.00 | &nbsp;&nbsp;0.05% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**508** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$301912225.00** | &nbsp;&nbsp;**100.00%** |

---

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;326 | &nbsp;&nbsp;64.17% | &nbsp;&nbsp;$223267046.00 | &nbsp;&nbsp;73.95% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;167 | &nbsp;&nbsp;32.87% | &nbsp;&nbsp;$71138729.00 | &nbsp;&nbsp;23.56% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;15 | &nbsp;&nbsp;2.95% | &nbsp;&nbsp;$7506450.00 | &nbsp;&nbsp;2.49% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**508** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$301912225.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Review Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Full Credit/Compliance | &nbsp;&nbsp;349 | &nbsp;&nbsp;68.70% | &nbsp;&nbsp;$234005996.00 | &nbsp;&nbsp;77.51% |
| &nbsp;&nbsp;Leases | &nbsp;&nbsp;159 | &nbsp;&nbsp;31.30% | &nbsp;&nbsp;$67906229.00 | &nbsp;&nbsp;22.49% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**508** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$301912225.00** | &nbsp;&nbsp;**100.00%** |

---

17 \| P a g e

## Exhibit 99.2

[GCAT Depositor vi llcabs-15g](gcat2025-abs15g.htm)

**Exhibit 99.2**

**Rating Agency Grades**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
|  | 20250910 |  |  |  |  | B | C | A | C | B | B | A | B |  |
|  | 20250917 |  |  |  |  | D |  | D | D | B |  | A | B |  |
|  | 20250919 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 20250920 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20250921 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 20250918 |  |  |  |  | D |  | D | D | B |  | A | B |  |
|  | 20250922 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20250904 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250943 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20250909 |  |  |  |  | C |  | D | D | B |  | A | B |  |
|  | 20250924 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250939 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20250949 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250978 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20250973 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250989 |  |  |  |  | D |  | A | D | A |  | A | A |  |
|  | 20251240 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251241 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20250975 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20250950 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20251014 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251013 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20251004 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250967 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20250953 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251024 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250954 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250974 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251025 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20250934 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251003 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251044 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250948 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250929 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250969 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250951 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20250962 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251018 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250932 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20250979 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251041 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250992 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251005 |  |  |  |  | C | A | A | C | B | A | A | B |  |
|  | 20250987 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20250994 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251033 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251048 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250941 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250944 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250991 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250972 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250946 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20250985 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251059 |  |  |  |  | C | A | C | C | A | A | A | A |  |
|  | 20250911 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20250916 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20250957 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250945 |  |  |  |  | C D |  | A | C D | A |  | A | A |  |
|  | 20250926 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20250933 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251060 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251062 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250993 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251032 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20251000 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250930 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20250990 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251049 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251084 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20250988 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250963 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20250931 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251070 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | 20250959 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251089 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250982 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250995 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251080 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251068 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250937 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250997 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251064 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250947 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20250998 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251046 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251111 |  |  |  |  | C | C | A | C | B | A | A | B |  |
|  | 20250996 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20251057 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250999 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20251051 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251103 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20251012 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251249 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20251254 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251247 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251259 |  |  |  |  | C | A | A | C | B | A | A | B |  |
|  | 20251280 |  |  |  |  | C | C | D | D | A | A | A | A |  |
|  | 20251275 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20251312 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20251283 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251257 |  |  |  |  | C | A | A | C | B | A | A | B |  |
|  | 20251242 |  |  |  |  | C D | A | C | C D | B | A | A B | B |  |
|  | 20251260 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251287 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251321 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251272 |  |  |  |  | C | A | A | C | B | A | A | B |  |
|  | 20251244 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251303 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20251304 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | 20251261 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20251251 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20251266 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251250 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251243 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | 20251318 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251317 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251314 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251264 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20251326 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251327 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20251274 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250927 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251253 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20251295 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20251267 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20251322 |  |  |  |  | C | A | A | C | B | A | A | B |  |
|  | 20251296 |  |  |  |  | C | C | A | C | B | A | A | B |  |
|  | 20251245 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251285 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20251291 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20251302 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251281 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251289 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20251308 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251319 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251306 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251252 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251299 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251330 |  |  |  |  | D | A | A | D | A | A | A | A |  |
|  | 20251300 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251294 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251273 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251286 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251332 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | 20251320 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251270 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251279 |  |  |  |  | C | C | A | C | B | A | A | B |  |
|  | 20251311 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251329 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251309 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251293 |  |  |  |  | A | B | A | B | A | A | A | A |  |
|  | 20251265 |  |  |  |  | B | B | A | B | B | B | A | B |  |
|  | 20251262 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251277 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251307 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20250914 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251256 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20251246 |  |  |  |  | C |  | D | D | B |  | A | B |  |
|  | 20251315 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20251255 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20251248 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251271 |  |  |  |  | D |  | A | D | A |  | A | A |  |
|  | 20251290 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251301 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251313 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20251316 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251268 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20251292 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251258 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251288 |  |  |  |  | A |  | D | D | A |  | A | A |  |
|  | 20251269 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251297 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251324 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251282 |  |  |  |  | A |  | D | D | A |  | A | A |  |
|  | 20251325 |  |  |  |  | A |  | D | D | A |  | A | A |  |
|  | 20251284 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251263 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251323 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20251278 |  |  |  |  | A |  | D | D | A |  | A | A |  |
|  | 20251276 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251298 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20251310 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 20251331 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251305 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251328 |  |  |  |  | D |  | A | D | A |  | A | A |  |
|  | 20251045 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251110 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251112 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251081 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20250955 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251066 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251090 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20251075 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250971 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251211 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251204 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251093 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251071 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250986 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251196 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20251087 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251108 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251199 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251083 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251109 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251205 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251217 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251042 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251206 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251076 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251201 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251106 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20251095 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251073 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251202 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251197 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251194 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251082 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250964 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251079 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251099 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251096 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251210 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20251207 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251209 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251016 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251098 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251421 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20251088 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20251091 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250913 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | 20250925 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250942 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20250940 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 20251001 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 20250966 |  |  |  |  | B | B | A | B | B | B | A | B |  |
|  | 20250961 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251026 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20250984 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | 20251006 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 20250976 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | 20251054 |  |  |  |  | C | A | A | C | B | A | A | B |  |
|  | 20250938 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20251009 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250928 |  |  |  |  | B | C | A | C | B | B | A | B |  |
|  | 20250956 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251007 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251077 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251022 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20251058 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | 20251092 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 20251115 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251104 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20251028 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251203 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20251029 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251402 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251055 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251047 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250958 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 20250923 |  |  |  |  | A |  | C | C | A |  | A | A |  |
|  | 20250970 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251040 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20250980 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250965 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250981 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251010 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251069 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 20250977 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251034 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251008 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251053 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251015 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251085 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251392 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20251361 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251350 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251019 |  |  |  |  | C | A | A | C | B | A | A | B |  |
|  | 20251052 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251074 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20251208 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250952 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251114 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251373 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251218 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250983 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251198 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251374 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251215 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251349 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251390 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251195 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251378 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251389 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251220 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251347 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20251364 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251382 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251216 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251078 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251017 |  |  |  |  | B | A | A | B | A | B | A | B |  |
|  | 20251037 |  |  |  |  | B | C | A | C | A | A | A | A |  |
|  | 20251027 |  |  |  |  | C D | C | A | C D | A | A | A | A |  |
|  | 20251212 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 20251030 |  |  |  |  | C D | C | A | C D | B | A | A | B |  |
|  | 20251021 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251067 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251107 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 20251094 |  |  |  |  | D | C | D | D | A | A | A | A |  |
|  | 20251023 |  |  |  |  | B | A | A | B | A | A | A | A |  |
|  | 20250915 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251011 |  |  |  |  | B | C | A | C | A | A | A | A |  |
|  | 20251065 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20250935 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251043 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20251038 |  |  |  |  | B |  | A | B | A |  | A | A |  |
|  | 20251113 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251384 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251408 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251363 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251372 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251333 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | 20251419 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251380 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251388 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20251396 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251221 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251063 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251056 |  |  |  |  | B | C | A | C | B | A | A | B |  |
|  | 20250936 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 20251200 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251213 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251086 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251407 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251400 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251050 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251336 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251411 |  |  |  |  | B |  | A | B | A |  | A | A |  |
|  | 20250968 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20251020 |  |  |  |  | C | A | A | C | B | A | A | B |  |
|  | 20250960 |  |  |  |  | B | C | A | C | A | A | A | A |  |
|  | 20251219 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251031 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251039 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251105 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20251061 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251035 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251002 |  |  |  |  | B | A | A | B | A | A | A | A |  |
|  | 20251102 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251214 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251097 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251036 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20251410 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251360 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251381 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 20251383 |  |  |  |  | C D |  | A | C D | A |  | A | A |  |
|  | 20251394 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20251335 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251358 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20251348 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251340 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20251416 |  |  |  |  | D |  | A | D | A |  | A | A |  |
|  | 20251352 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251341 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20251362 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20251414 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20251356 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251399 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251351 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20251343 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20251406 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | 20251354 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20251357 |  |  |  |  | C D | A | A | C D | A | A | A | A |  |
|  | 20251368 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 20251344 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 20251342 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20251337 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20251359 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20251405 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20251345 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20251418 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251379 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251371 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251339 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | 20251401 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251334 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | 20251355 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251420 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251413 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 20251393 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20251417 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20251369 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20251346 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251367 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20251375 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251385 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20251404 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20251353 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20251365 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20251409 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20251395 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20251415 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251403 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251377 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | 20251366 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251412 |  |  |  |  | C D | A | A | C D | A | A | A | A |  |
|  | 20251338 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251370 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251376 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251387 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20250901 |  |  |  |  | C | B | A | C | A | B | A | B |  |
|  | 20250900 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 20250899 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250898 |  |  |  |  | A | B | D | D | A | B | A | B |  |
|  | 20250897 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 20250895 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20250894 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20250893 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250892 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | 20250891 |  |  |  |  | B | B | D | D | A | B | A | B |  |
|  | 20250890 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20250889 |  |  |  |  | A | C | D | D | A | B | A B | B |  |
|  | 20250887 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250886 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250885 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | 20250884 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250883 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | 20250882 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | 20250881 |  |  |  |  | A | A | D | D | A | A | A | A |  |
|  | 20250880 |  |  |  |  | B | C | A | C | B | B | A | B |  |
|  | 20250879 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20250878 |  |  |  |  | A | C | A | C | A | B | A | B |  |
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---

## Exhibit 99.3

[GCAT Depositor vi llcabs-15g](gcat2025-abs15g.htm)

**Exhibit 99.3**

**Exception Grades**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
|  | 20250910 |  |  |  | 32634251 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-01-29): Reg C approach used to set APOR rate set date. | 01/29/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 20250910 |  |  |  | 32634252 |  | 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 | HOEPA disclosure was not provided to the Borrower. |  |  |  | Reviewer Comment (2025-01-29): Reg C approach used to set APOR rate set date.<br>Seller Comment (2025-01-28): [Redacted] - Entered comments in [Redacted] & [Redacted]. Waterfall from [Redacted] & [Redacted]. Please review and clear exception. | 01/29/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 20250910 |  |  |  | 32634253 |  | 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. | Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. |  |  |  | Reviewer Comment (2025-01-29): Reg C approach used to set APOR rate set date.<br>Seller Comment (2025-01-28): [Redacted]- Entered comments in [Redacted] & [Redacted]. Passes Federal High-Cost Points and fees - does not exceed [Redacted]% threshold - eligible to exclude up to [Redacted]% bona fide discount points - $[Redacted] discount points eligible to be excluded. Undiscounted Rate - closest to par over 100: [Redacted]/[Redacted]= [Redacted]-[Redacted]= [Redacted], Discount = [Redacted]-[Redacted]= [Redacted]. Excludable - $[Redacted]X .[Redacted]= $[Redacted]. Please review and clear exception. | 01/29/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 20250910 |  |  |  | 32634254 |  | 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. | 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] |  |  |  | Reviewer Comment (2025-01-29): Reg C approach used to set APOR rate set date.<br>Seller Comment (2025-01-28): [Redacted] - Entered comments in [Redacted] & [Redacted]. Passes Federal High-Cost Points and fees - does not exceed [Redacted]% threshold - eligible to exclude up to [Redacted]% bona fide discount points - $[Redacted] discount points eligible to be excluded. Undiscounted Rate - closest to par over [Redacted]: [Redacted]/[Redacted]= [Redacted]-[Redacted]= [Redacted], Discount = [Redacted]-[Redacted]= [Redacted]. Excludable - $[Redacted]X .[Redacted]= $[Redacted]. Please review and clear exception. | 01/29/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
|  | 20250910 |  |  |  | 32634255 |  | 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. | Borrower did not receive pre-loan counseling. |  |  |  | Reviewer Comment (2025-01-29): Reg C approach used to set APOR rate set date.<br>Seller Comment (2025-01-28): [Redacted] - Entered comments in [Redacted] & [Redacted]. Waterfall from [Redacted] & [Redacted]. Please review and clear exception. | 01/29/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 20250910 |  |  |  | 32634259 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) California Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | California Higher-Priced Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Compliant Higher Priced Loan. |  |  |  |  | Reviewer Comment (2025-01-29): Reg C approach used to set APOR rate set date. | 01/29/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | The cure available on a CA HPML loan is dependent upon which prohibited practice is violated. For any loan with an HPML prepayment penalty violation, the loan CANNOT be cured. For any loan without an HPML prepayment penalty violation, the loan can be cured as follows:<br>Within 90 days of closing: (1) notify borrower; (2) at borrower's option: offer to make the loan compliant with HPML provisions or change terms in a manner beneficial to the borrower so the loan is no longer HPML; and (3) take appropriate action based on borrower's choice.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 120 days of discovery or receipt of complaint, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-higher-priced loan or (b) keep loan as higher-priced and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
|  | 20250910 |  |  |  | 32639524 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception provided for cash out to cash out seasoning. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | $[Redacted] residual income.<br>[Redacted] months reserves<br>LTV/CLTV is [Redacted]% below guideline max.<br>LTV/CLTV is [Redacted]% below guideline max.<br>DTI is [Redacted]% below guideline max. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-14): Lender exception in file |  |  | 01/14/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 20250910 |  |  |  | 32733659 |  | Compliance | Compliance | Federal Compliance | Compliance | High Cost Indicator Test | Loan does not exceed any high cost thresholds, however, documentation indicating loan was originated as a high cost loan found in file. |  |  |  |  | Reviewer Comment (2025-03-04): [Redacted] Response:<br> The compliance test was approved on [Redacted] as a manual exclusion of the bona fide discount points in the amount up to $[Redacted].<br>When we approve the manual discount points, the corresponding report will not have a test that shows a pass, the fail amount however, will show as less than or equal to the amount of the approved manual bona fide discount points.<br>The test shows the loan exceeding the HOEPA threshold by $[Redacted] (attached), and the discount points determined to be eligible for exclusion up to $[Redacted], so the test is passing.<br>Reviewer Comment (2025-02-18): Client accepts as is.<br>Seller Comment (2025-02-14): [Redacted] - Per [Redacted]- will remain Grade [Redacted] - Compliant Securitizable. |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 20250917 |  |  |  | 33056840 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  | Reviewer Comment (2025-03-07): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-07): Appraisal attached | 03/07/2025 |  |  | 1 D A |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 20250917 |  |  |  | 33056841 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2025-03-07): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-07): Appraisal was completed [Redacted] after the end date reflecting no damage to the subject.<br>Buyer Comment (2025-03-07): Appraisal was complete [Redacted] after the disaster end date and reflects no damage to the subject. | 03/07/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 20250917 |  |  |  | 33056842 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  |  |  |  |  | Reviewer Comment (2025-03-07): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-07): CDA was in original package- page [Redacted]- please cancel | 03/07/2025 |  |  | 1 D A |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 20250917 |  |  |  | 33056844 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has [Redacted] rate/term refinances with [Redacted] submitted for $[Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 20250917 |  |  |  | 33056845 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal not ordered through an [Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 20250917 |  |  |  | 33056846 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to document primary housing payment, lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 20250917 |  |  |  | 33056848 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  | 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. | Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender elects to waive this exception. |  |  | 03/07/2025 | 2 C B |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 20250919 |  |  |  | 33056851 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Copy of Operating agreement is not available for the business '[Redacted]'. |  |  |  | Reviewer Comment (2025-03-06): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-06): Op agreement for [Redacted] was included in the initial package/loan file- please cancel exception | 03/06/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20250919 |  |  |  | 33056852 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Copy of Operating agreement is not available for the business '[Redacted]'. |  |  |  | Reviewer Comment (2025-03-06): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-06): W-9/EIN was in the original file sent to ac- please cancel | 03/06/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20250919 |  |  |  | 33056853 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Signed copy of Articles of Organization/Formation document is not available for the business '[Redacted]'. |  |  |  | Reviewer Comment (2025-03-06): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-06): Articles of Organization was included in the original package to [Redacted]- please cancel | 03/06/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20250919 |  |  |  | 33056854 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Copy of certificate of good standing is not available for the business '[Redacted]'. |  |  |  | Reviewer Comment (2025-03-06): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-06): Please see attached SOS Cert of good standing. SOS was in original file- please cancel | 03/06/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20250919 |  |  |  | 33056855 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Signed copy of Corporate Resolution document is not available for the business '[Redacted]'. |  |  |  | Reviewer Comment (2025-03-06): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-06): Corp Resolution was in the original file sent to [Redacted]- please cancel exception | 03/06/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20250919 |  |  |  | 33056856 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has [Redacted] rate/term refinances with Arc submitted for $[Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20250919 |  |  |  | 33056857 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal not ordered through an [Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20250919 |  |  |  | 33056858 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to document primary housing payment, lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20250919 |  |  |  | 33056859 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  | 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. | Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender elects to waive this exception. |  |  | 03/07/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20250920 |  |  |  | 33056866 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has [Redacted] rate/term refinances with [Redacted] submitted for $[Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20250920 |  |  |  | 33056867 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal not ordered through an [Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20250920 |  |  |  | 33056868 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to document primary housing payment, lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20250920 |  |  |  | 33056870 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  | 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. | Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender elects to waive this exception. |  |  | 03/07/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20250921 |  |  |  | 33056872 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has [Redacted] rate/Term refinances with [Redacted] submitted for $[Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20250921 |  |  |  | 33056873 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal not ordered through an [Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20250921 |  |  |  | 33056874 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to document primary housing payment, lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20250921 |  |  |  | 33056875 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  | 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. | Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender elects to waive this exception. |  |  | 03/07/2025 | 2 C B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20250918 |  |  |  | 33056883 |  | Credit | Missing Document | General | Missing Document | Missing Document: [Redacted]Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2025-03-07): Documentation provided; exception cleared. | 03/07/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 20250918 |  |  |  | 33056884 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  | Reviewer Comment (2025-03-07): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-07): Appraisal attached | 03/07/2025 |  |  | 1 D A |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 20250918 |  |  |  | 33056885 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The subject property is located in a FEMA disaster area. The most recent inspection is dated prior to the recent FEMA disaster. Disaster end date was [Redacted]. <br> Provide a post-disaster inspection report showing no damage to the property. |  |  |  | Reviewer Comment (2025-03-07): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-07): Appraisal was completed [Redacted] after the disaster end date w/no damage to the subject. | 03/07/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 20250918 |  |  |  | 33056887 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2025-03-07): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-07): Appraisal attached | 03/07/2025 |  |  | 1 D A |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 20250918 |  |  |  | 33056888 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has [Redacted]rate/Term refinances with [Redacted] submitted for $[Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 20250918 |  |  |  | 33056889 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal not ordered through an [Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 20250918 |  |  |  | 33056890 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to document primary housing payment, lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 20250918 |  |  |  | 33056891 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  | 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. | Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender elects to waive this exception. |  |  | 03/07/2025 | 2 C B |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 20250922 |  |  |  | 33056893 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has [Redacted]rate/Term refinances with [Redacted] submitted for $[Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender exception in file. |  |  | 03/07/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20250922 |  |  |  | 33056894 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal not ordered through an [Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender exception in file. |  |  | 03/07/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20250922 |  |  |  | 33056895 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to document primary housing payment, lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender exception in file. |  |  | 03/07/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20250922 |  |  |  | 33056896 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  | 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. | Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender elects to waive this exception. |  |  | 03/07/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20250943 |  |  |  | 33421953 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-07): Sufficient Cure Provided At Closing |  | 05/07/2025 |  | 1 A |  | MA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250943 |  |  |  | 33438298 |  | 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 ___. | Missing evidence of access to business funds for closing. |  |  |  | Reviewer Comment (2025-06-09): A CPA Letter reflecting the use of business funds and confirming that it did not negatively impact the business was provided.<br>Seller Comment (2025-06-05): Attached the CPA Letter<br>Reviewer Comment (2025-05-15): Per the guidelines, we need a letter from the Borrower about using the business funds.<br>Seller Comment (2025-05-13): The borrower owns [Redacted]% of the businesses and verified on pages [Redacted]-[Redacted]of [Redacted]. Please Cancel. | 06/09/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250909 |  |  |  | 33418967 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  | Comparable rent schedule not provided in 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] | SitusAMC,Aggregator | Reviewer Comment (2025-03-20): Client elects to waive with comp factors: OK - comp factors: [Redacted] FICO, [Redacted] months reserves, all mortgages on credit paid as agreed.<br>Reviewer Comment (2025-03-11): Provided comparable rent schedule with report signed date of [Redacted] and inspection date of [Redacted] which is not matching with appraisal report which has signed date of [Redacted] & effective date of [Redacted].Require comparable rent schedule of date [Redacted]. Exception remains.<br>Seller Comment (2025-03-07): Updated Rent Schedule.pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-03-04): Provided comparable rent schedule with report signed date of [Redacted] and inspection date of [Redacted] which is not matching with appraisal report which has signed date of [Redacted] & effective date of [Redacted]. Provide comparable rent schedule which was inspected on appraisal report date. Exception remains.<br>Seller Comment (2025-03-03): Rent schedule.pdf (Unclassified) was uploaded |  |  | 03/20/2025 | 2 C B |  | MN | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
|  | 20250909 |  |  |  | 33418968 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-03-07): CDA provided. Exception cleared.<br>Seller Comment (2025-03-05): CDA.pdf (Unclassified) was uploaded | 03/07/2025 |  |  | 1 D A |  | MN | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
|  | 20250939 |  |  |  | 33449264 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted]). The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $[Redacted] threshold. | Disclosed Total of Payments was $[Redacted]. Calculated Total of Payments is $[Redacted]. Variance of -$[Redacted]. Closing Disclosure issued on [Redacted] states a Total of Payments of $[Redacted]. |  |  |  | Reviewer Comment (2025-05-22): [Redacted] received documentation of fee.<br>Reviewer Comment (2025-05-22): Upon further review Title insurance is acceptable.<br>Seller Comment (2025-05-21): [Redacted] - Entered comments in [Redacted] & [Redacted]. PCCD issued [Redacted] - executed by borrowers - located in [Redacted]- [Redacted], Executed Seller CD issued [Redacted] - located in [Redacted] - [Redacted]. PCCD - Page [Redacted] - Section L & N - Adjustments for Items Unpaid by Seller - states Title Insurance Premium Adjustment $[Redacted]. Seller CD - Page 1 - Section N - Due from Seller at Closing - states Title Insurance Premium Adjustment $[Redacted]. Seller paid the adjustment in premium on behalf of the borrower at closing. Seller funds from borrower were reduced for the increased title insurance premium at no cost to the borrower. Please review and clear.<br>Reviewer Comment (2025-05-21): Fee increase shows in PCCD for Lenders title insurance in the amount of $[Redacted]. [Redacted] recognizes that fees can be updated in dry funding state, however, testing methodology generally remains the same. Creditors are required to disclose CDs based on best information reasonably known to the creditor at time of disclosure. This best information reasonably available standard requires the creditor to exercise due diligence in obtaining the information. Similar to pre-TRID reviews or reviews of loans not subject to TRID, the APR, Finance Charge, TOP and other material disclosures disclosed on the TIL Disclosure provided at consummation are compared to the actual APR, Finance Charge and TOP at consummation (using the fees from the final HUD in file which could be dated post consummation on a dry state). The accuracy of material disclosures is based on the disclosures provided at or before consummation, not based on a TIL provided post consummation. [Redacted] reviews pursuant to the SFA TRID Grid, Additional Considerations, Row [Redacted] , which provides: <br>Post Close CD - Material Disclosures Accuracy Test: Prior to TRID, material disclosures disclosed on the final TIL provided to the borrower at or before closing are compared to figures disclosed on most recent HUD-1 (issued pre or post close). Similarly, for TRID loans, TPRs will assume at initial review that fee changes reflected on PCCDs are corrections (similar to corrected HUD-1s), not updates of fees resulting from changes occurring after closing (lender incorrectly disclosed fees they were aware of or should have been aware of on final CD and issued a PCCD reflecting actual fees that should have been disclosed on final CD). Accordingly, TPR will calculate the APR, Finance Charge and TOP based on corrected fees on PCCD and cite exceptions if APR, Finance Charge and TOP disclosed on final CD are inaccurate based on fees shown on PCCD, an EV3-C exception will be cited if APR, Finance Charge, TOP on final CD are outside of tolerance for accuracy based on fees on most recent PCCD issued within [Redacted] days of consummation (PCCD greater than 60 days from consummation will require accompanying ALTA settlement statement to confirm figures disclosed to be used for testing) unless: 1) discrepancy results from change in interim interest due to difference in anticipated vs. actual disbursement date; or 2) there is a corresponding lender credit/cure for the amount of the increase in fees paid by borrower reflected on PCCD; Otherwise, TILA 130(b) correction with LOE, refund or adjustment to ensure borrower does not pay more than amount disclosed, and proof of delivery required to cure to EV2-B. For rescindable transactions, re-opening of rescission and proof of receipt by borrower also required.<br>If changes in fee amounts reflected on the PCCD result from events that occurred after closing not reasonably known to the creditor at time of disclosure of the final CD after exercising diligence in obtaining such information, [Redacted] will review and consider an LOE, attestation, and documentation supporting fee changes are based on post consummation events that could not reasonably be known to creditor and that the disclosed figures were correct at the time of consummation.<br>Seller Comment (2025-05-20): [Redacted] - Sent e-mail to [Redacted] - requesting clarification regarding under-disclosed amount vs variance - do not match in exception information. Also, need a breakdown for calculation of under-disclosure/variance. | 05/22/2025 |  |  | 1 C A |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250978 |  |  |  | 33455765 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Missing complete Final signed and dated application. |  |  |  | Reviewer Comment (2025-05-22): Received and associated Final 1003 document. Exception cleared.<br>Seller Comment (2025-05-21): Attached the Correct Final 1003<br>Reviewer Comment (2025-05-20): Received Final 1003 borrower name is showing "[Redacted] ". As per note borrower name "[Redacted]". Please provide Final 1003. Exception remains.<br>Seller Comment (2025-05-16): Attached the Final 1003 | 05/22/2025 |  |  | 1 C A |  | WA | Investment | Purchase | C A |  | N/A | No |
|  | 20250989 |  |  |  | 33457988 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Security Instrument is not provided. |  |  |  | Reviewer Comment (2025-05-21): Received and associated Security Instrument - Subject Lien document. Exception Cleared.<br>Seller Comment (2025-05-20): Attached the Mortgage | 05/21/2025 |  |  | 1 D A |  | FL | Investment | Purchase | D A |  | N/A | No |
|  | 20251241 |  |  |  | 33456616 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2025-05-21): Received and associated Articles of Organization/Formation for [Redacted]. Exception Cleared.<br>Seller Comment (2025-05-20): Attached the Articles of Organization | 05/21/2025 |  |  | 1 C A |  | OK | Investment | Purchase | C A |  | N/A | No |
|  | 20251241 |  |  |  | 33456619 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-05-21): Received and associated Certificate of Good Standing for [Redacted] - Series [Redacted]. Exception Cleared.<br>Seller Comment (2025-05-20): Attached the Certificate of Good Standing | 05/21/2025 |  |  | 1 C A |  | OK | Investment | Purchase | C A |  | N/A | No |
|  | 20251241 |  |  |  | 33456622 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  |  |  | Reviewer Comment (2025-05-21): Received and associated Employer Identification Number (EIN) for [Redacted]. Exception Cleared.<br>Seller Comment (2025-05-20): Attached the EIN Number | 05/21/2025 |  |  | 1 C A |  | OK | Investment | Purchase | C A |  | N/A | No |
|  | 20251241 |  |  |  | 33456717 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-05-21): Received and associated Operating Agreement for [Redacted]. Exception Cleared.<br>Seller Comment (2025-05-20): Attached the Operating Agreement | 05/21/2025 |  |  | 1 C A |  | OK | Investment | Purchase | C A |  | N/A | No |
|  | 20250975 |  |  |  | 33454602 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  | The file was missing a copy of the Flood Insurance Policy. |  |  |  | Reviewer Comment (2025-06-10): Received and associated updated Flood Insurance Policy. Exception cleared.<br>Seller Comment (2025-06-06): Attached Corrected updated Insurance,<br>Reviewer Comment (2025-05-22): Received Flood Insurance Policy declarations verified an effective date of [Redacted] which is after the consummation date of [Redacted]. Please Provide a revised Flood Insurance Policy. Exception Remains.<br>Seller Comment (2025-05-20): Attached the Flood Insurance | 06/10/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
|  | 20250950 |  |  |  | 33474578 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved for 2-month gap in [Redacted] income. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted]K residual income<br>LTV/CLTV is [Redacted]below guideline max.<br>LTV/CLTV is [Redacted] below guideline max.<br>DTI is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-19): Lender exception in file. |  |  | 05/19/2025 | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20251014 |  |  |  | 33470040 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for ADU on a 2 unit property. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted]points. | [Redacted] months reserves<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-19): Lender exception in file. |  |  | 05/19/2025 | 2 B |  | NY | Investment | Purchase | B A |  | N/A | No |
|  | 20251013 |  |  |  | 33478222 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | File is Missing a copy for signed Notice of Right to Cancel document. |  |  |  | Reviewer Comment (2025-05-23): A signed NORTC was provided.<br>Seller Comment (2025-05-23): [Redacted] - Entered comments in [Redacted] & [Redacted]. Uploaded Notice of Right to Cancel executed by the borrower. | 05/23/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20251013 |  |  |  | 33493581 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide verification of borrower's percentage of business ownership. |  |  |  | Reviewer Comment (2025-05-30): Business documentation provided that verifies borrower's percentage of business ownership, exception cleared.<br>Seller Comment (2025-05-27): Attached the Articles of Org. that shows the borrower is a [Redacted]% owner, which matches what the Business Narrative on page [Redacted] says along with the LOE on page [Redacted] that states there is [Redacted] partners. Please Cancel. | 05/30/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250967 |  |  |  | 33496446 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please explain why there are two operating agreements, one that states borrower owns [Redacted]% of business and one that states borrower owns [Redacted]%. Additional exceptions may apply. |  |  |  | Reviewer Comment (2025-07-01): Documentation provided, exception cleared.<br>Seller Comment (2025-06-27): Attached the LOE for the Multiple operating agreements.<br>Reviewer Comment (2025-05-30): Please provide an explanation as to why there are two signed and dated operating agreements in the file that state a different percentage of borrower's ownership, exception remains.<br>Seller Comment (2025-05-27): On page [Redacted] of [Redacted] is an Email from the Attorney that states the borrower is the sole member of the entity. Please Cancel. | 07/01/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
|  | 20251025 |  |  |  | 33475352 |  | 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) ___. | DSCR under [Redacted], lender exception provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted]points. | [Redacted] months reserves.<br>Fico is [Redacted]points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-20): Lender exception in file. |  |  | 05/20/2025 | 2 B |  | NJ | Investment | Purchase | B A |  | N/A | No |
|  | 20250951 |  |  |  | 33495905 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception is approved for [Redacted]% interested party contributions. | 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. | Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-21): Lender exception in file. |  |  | 05/21/2025 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
|  | 20250932 |  |  |  | 33497904 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan Designation discrepancy due to missing income and asset requirements. |  |  |  | Reviewer Comment (2025-06-06): Documentation provided; exception cleared.<br>Seller Comment (2025-06-04): Waterfall Finding to #[Redacted] | 06/06/2025 |  |  | 1 B A C |  | CT | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250932 |  |  |  | 33497905 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | The loan is at QM risk due to missing income and asset requirements. |  |  |  | Reviewer Comment (2025-06-06): Documentation provided; exception cleared.<br>Seller Comment (2025-06-04): Waterfall Finding to #[Redacted] | 06/06/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250932 |  |  |  | 33498738 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing Third Party Verification of Employment within [Redacted] calendar days prior to the note date. |  |  |  | Reviewer Comment (2025-06-06): Documentation provided; exception cleared.<br>Seller Comment (2025-06-04): Attached Third Party VOE, Please Cancel.<br>Reviewer Comment (2025-05-29): As per Guidelines Third party Verification, such as a CPA, regulatory agency within [Redacted] calendar days prior to the note date is required. Exception Remains<br>Seller Comment (2025-05-27): The Transaction Detail by Account on page [Redacted] of [Redacted] was used as the VOE that is within [Redacted] days of the note. | 06/06/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20251005 |  |  |  | 33520577 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow a Non-owner occupied Co-Borrower on a 24 month Bank Statement Program. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | $[Redacted]<br> residual income.<br>[Redacted] months reserves.<br>DTI is [Redacted]% below guideline max. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-02): Lender exception in file.<br>Seller Comment (2025-05-29): The approved [Redacted] exception is on page [Redacted]. Please Accept as is. |  |  | 06/02/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20250987 |  |  |  | 33512752 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - Condo not provided |  | Condominium Rider in file was not signed by the Borrower. |  |  |  | Reviewer Comment (2025-05-30): Received and associated Signed Rider - Condo Document. Exception Cleared.<br>Seller Comment (2025-05-30): Attached the copy of the Signed and Complete Mortgage and the Condominium Rider | 05/30/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250987 |  |  |  | 33512755 |  | Credit | Loan Package Documentation | Closing / Title | Collateral | Security Instrument is not signed by borrower(s). |  |  |  |  |  | Reviewer Comment (2025-05-30): Received and associated Signed Security Instrument Document. Exception Cleared.<br>Seller Comment (2025-05-30): Attached the copy of the Signed and Complete Mortgage and the Condominium Rider | 05/30/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250946 |  |  |  | 33544479 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Waiving escrows, lender exception in file. | Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted]points above guideline minimum. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-30): Lender exception in file. |  |  | 05/30/2025 | 2 B |  | FL | Second Home | Purchase | B A | Non QM | Non QM | No |
|  | 20251059 |  |  |  | 33542277 |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | The CDA effective date is [Redacted] which does not match the Appraisal's effective date of [Redacted]. |  |  |  | Reviewer Comment (2025-06-11): Documentation provided; exception cleared.<br>Seller Comment (2025-06-10): Attached CDA with Correct Effective date of [Redacted]. | 06/11/2025 |  |  | 1 C A |  | KS | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251059 |  |  |  | 33542531 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing letter of explanation from borrower stating relationship to seller and reason for the purchase. Transaction is non-arm's length. |  |  |  | Reviewer Comment (2025-06-11): Documentation provided; exception cleared.<br>Seller Comment (2025-06-09): Attached Email for borrower stating relationship to seller and reason for the purchase. | 06/11/2025 |  |  | 1 C A |  | KS | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250911 |  |  |  | 33528035 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing a copy lease agreement for the property [Redacted] |  |  |  | Reviewer Comment (2025-03-25): Client removed rental income from property, exception cleared.<br>Buyer Comment (2025-03-21): 1008 with updated ratios<br>Buyer Comment (2025-03-21): 1003 removing rental income from [Redacted]. Not needed to qualify. | 03/25/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 20250911 |  |  |  | 33528039 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. |  |  |  |  | Reviewer Comment (2025-05-20): Because accurate material disclosures were received on [Redacted] CD (received [Redacted]) - material disclosure date override has been input which resolved the rescission exceptions.<br>Buyer Comment (2025-05-19): [Redacted] Tracking#[Redacted]<br>Buyer Comment (2025-05-19): Corrected right to cancel<br>Reviewer Comment (2025-03-19): This CD is already in the original file and is not considered a PCCD because the Notary date and signature date on the [Redacted] CD is [Redacted].The CD dated [Redacted] is the final CD but is not signed by the borrower, which creates a transaction date of [Redacted], which is not at least 3 business days from the disbursement date of [Redacted].<br>Buyer Comment (2025-03-19): PCCD<br>Buyer Comment (2025-03-19): Origination date is [Redacted] | 05/20/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
|  | 20250911 |  |  |  | 33528040 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  | Reviewer Comment (2025-05-20): Because accurate material disclosures were received on [Redacted] CD (received [Redacted]) - material disclosure date override has been input which resolved the rescission exceptions.<br>Buyer Comment (2025-05-19): Uploaded to [Redacted]<br>Reviewer Comment (2025-03-19): Transaction date per Notary on security instrument and signature on final CD is [Redacted].<br>Buyer Comment (2025-03-19): Origination date is [Redacted] | 05/20/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
|  | 20250911 |  |  |  | 33528041 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-03-20): Received and associated E-sign Consent Agreement document. Exception cleared.<br>Buyer Comment (2025-03-19): E-consent | 03/20/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 20250911 |  |  |  | 33528042 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing business narrative for business. |  |  |  | Reviewer Comment (2025-03-20): Received and associated Business Narrative for [Redacted]. Exception cleared.<br>Buyer Comment (2025-03-19): Business Narrative | 03/20/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 20250916 |  |  |  | 33528044 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2025-05-22): [Redacted] received settlement agent attestation that ALTA settlement statement with $[Redacted] credit report is final on fees which matches to final PCCD & final for fees<br>Buyer Comment (2025-05-22): See docs provided<br>Reviewer Comment (2025-05-20): [Redacted] received LOX, however we require true & certified copy of final settlement statement to verify the fees charged at closing and as per updated PCCD received.<br>Buyer Comment (2025-05-16): see docs provided<br>Reviewer Comment (2025-05-14): [Redacted] would require an attestation from the Settlement Agent confirming the correct Final Settlement Statement and a copy of the LOE to the [Redacted] PCCD.<br>Reviewer Comment (2025-04-21): [Redacted] received LOX and the Closing statement that was provided in the trailing images was also provided in the original loan package. we required updated True and Certified copy of the Final Settlement Statement to verify the specific fee (Credit Report) applied the same and reevaluate this exception.<br>Buyer Comment (2025-04-17): See docs provided<br>Reviewer Comment (2025-04-15): [Redacted] received Final SS indicates that the Credit report fee charged to borrower in the amount of $[Redacted]. However, on PCCD disclosed of $[Redacted]. Also, LOE to borrower is not located in the loan file. Provide updated Final SS and LOX to borrower that accompanied the[Redacted] PCCD to finalize.<br>Buyer Comment (2025-04-11): See docs provided<br>Reviewer Comment (2025-04-10): [Redacted] received corrected PCCD, however we also require LOE and true & certified copy of final settlement statement to re-evaluate the exception.<br>Buyer Comment (2025-04-08): See document provided and explanation from lender: The processor made an error and missed the automatic fee update when she did her disclosure, however this was rectified prior to closing. We only collected $[Redacted] on our final CD so the $[Redacted] is null in void. We should not have to refund the borrower since we only charged them the $[Redacted]. I have attached the CD final CD for proof.<br>Reviewer Comment (2025-04-01): [Redacted] Credit report fee increased on LE dated [Redacted] without valid COC. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-03-31): Per lender: borrower never received that set of disclosures since it was excluded from our timeline? The second set was sent out to the borrower. | 05/22/2025 |  |  | 1 C A |  | FL | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 20250945 |  |  |  | 33528100 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing complete 12 month primary payment history, 11 months verified in file. |  |  |  | Reviewer Comment (2025-05-21): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-19): Proof of [Redacted] [Redacted] residence mtg payment [Redacted]. Borrower is reflecting due for [Redacted].<br>Reviewer Comment (2025-05-09): Please Provide Rent Free letter for prior residence"[Redacted]". Exception remains.<br>Buyer Comment (2025-05-07): See Uploaded Credit Report and Most recent Mortgage statement for primary residence, Only [Redacted] months Available, per 1003, prior residence was lived in rent-free.<br>Buyer Comment (2025-05-07): Credit Report and Mortgage statement for primary residence | 05/21/2025 |  |  | 1 C A D |  | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 20250945 |  |  |  | 33528101 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-05-14): Received and associated Certificate of Good Standing for [Redacted]. Exception cleared.<br>Buyer Comment (2025-05-13): Please see attached | 05/14/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 20250926 |  |  |  | 33528107 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 1 unit < [Redacted] sq ft, lender exception in file. | Borrower has owned the subject property for at least [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>LTV is [Redacted]% below guideline max.<br>Fico is [Redacted]points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-09): Lender exception in file. |  |  | 05/09/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 20250926 |  |  |  | 33528108 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Month to month lease with less than 12 months receipt of rent, lender exception in file. | Borrower has owned the subject property for at least [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>LTV is [Redacted]% below guideline max.<br>Fico is [Redacted]points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-09): Lender exception in file. |  |  | 05/09/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 20251032 |  |  |  | 33543816 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception is approved for minimum tradelines and use of bank statements for non-occupying borrower. | Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | [Redacted]years in current home. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-03): The client elects to waive. |  |  | 06/03/2025 | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 20250930 |  |  |  | 33561561 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for use of appraisal from a company on the exclusionary list. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted]months reserves<br>LTV is [Redacted]% below guide max.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-04): Lender exception in file. |  |  | 06/04/2025 | 2 B |  | AL | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20251084 |  |  |  | 33573218 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing 12 month housing history for other REO on credit. ([Redacted]) |  |  |  | Reviewer Comment (2025-06-25): Documentation provided; exception cleared.<br>Seller Comment (2025-06-23): Attached [Redacted] Month Housing history [Redacted]. | 06/25/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
|  | 20250963 |  |  |  | 33549183 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception is approved to follow [Redacted] guidelines regarding [Redacted] verification of self employment. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-04): Exception approved with comp factors. |  |  | 06/04/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20251070 |  |  |  | 33573466 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Based on review of Note and Title Commitment, the prior lender is the same as the new lender and the H-9 form should have been used. |  |  |  | Reviewer Comment (2025-06-25): [Redacted] received Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form.<br>Seller Comment (2025-06-24): [Redacted] - Entered comments in [Redacted] & [Redacted]. Uploaded LOX, [Redacted] Shipping Label & Notice of Right to Cancel - executed by the borrowers - with new rescission period. Please review and clear. |  | 06/25/2025 |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250995 |  |  |  | 33549737 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception to allow C09 EAD and rapid acquistion is approved, subject to minimum [Redacted] months reserves and a [Redacted] pricing hit. There will be no other exceptions allowed. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-04): Exception approved with comp factors. |  |  | 06/04/2025 | 2 B |  | IN | Investment | Purchase | B A |  | N/A | No |
|  | 20250997 |  |  |  | 33561896 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception for layered entity is approved contingent on the legal approval of the entity. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>LTV is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-05): Lender exception in file. |  |  | 06/05/2025 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
|  | 20250947 |  |  |  | 33562003 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Cash out refinance does not meet seasoning requirement by 1 month, lender exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>LTV is [Redacted] % below guide max.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-05): Lender exception in file. |  |  | 06/05/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 20251111 |  |  |  | 33580600 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing business narrative for [Redacted]([Redacted]). |  |  |  | Reviewer Comment (2025-06-14): Received and associated business narrative document for [Redacted]. Exception Cleared.<br>Seller Comment (2025-06-12): Attached business narrative for [Redacted].<br>Reviewer Comment (2025-06-11): Page#[Redacted]is showing different business, Please provide Business narrative for "[Redacted]". Exception remains<br>Seller Comment (2025-06-09): The [Redacted] Business Narrative can be found on page [Redacted] of [Redacted]. Please Cancel. | 06/14/2025 |  |  | 1 C A |  | HI | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20251111 |  |  |  | 33580618 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2025-06-14): Received and associated business narrative document for [Redacted]. Exception Cleared. | 06/14/2025 |  |  | 1 C A |  | HI | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20251111 |  |  |  | 33580630 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Missing business narrative for [Redacted]([Redacted]). |  |  |  | Reviewer Comment (2025-06-14): Received and associated business narrative document for [Redacted]. Exception Cleared. | 06/14/2025 |  |  | 1 B A C |  | HI | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20251111 |  |  |  | 33598116 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | ADU is slightly larger in size than dwelling, lender exception in file. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted] residual income.<br>[Redacted] months reserves.<br>DTI is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-06): Lender exception in file. |  |  | 06/06/2025 | 2 B |  | HI | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250996 |  |  |  | 33574408 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Business Narrative was not in the loan file. |  |  |  | Reviewer Comment (2025-06-11): Received and associated business narrative document for [Redacted]. Exception Cleared.<br>Seller Comment (2025-06-10): Attached the Business Narrative. | 06/11/2025 |  |  | 1 C A |  | OR | Primary | Refinance - Rate/Term | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 20250996 |  |  |  | 33574495 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Income documentation was not provided. Business Narrative was not in the loan file. |  |  |  | Reviewer Comment (2025-06-11): Received and associated business narrative document for [Redacted]. Exception Cleared. | 06/11/2025 |  |  | 1 C A |  | OR | Primary | Refinance - Rate/Term | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 20250996 |  |  |  | 33574497 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Income documentation was not provided. Business Narrative was not in the loan file. |  |  |  | Reviewer Comment (2025-06-11): Received and associated business narrative document for [Redacted]. Exception Cleared. | 06/11/2025 |  |  | 1 B A C |  | OR | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | 20250999 |  |  |  | 33582073 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Article of organization was not provided in the file. |  |  |  | Reviewer Comment (2025-06-11): Received and associated Articles of Organization/Formation for [Redacted]. Exception Cleared.<br>Seller Comment (2025-06-11): Attached the Articles of Organization. | 06/11/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20251103 |  |  |  | 33611028 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower self employed less than [Redacted] years, lender exception in file. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted]residual income.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-09): Lender exception in file. |  |  | 06/09/2025 | 2 B |  | CT | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20251012 |  |  |  | 33611125 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide an explanation for the incorrect citizenship on the initial 1003. |  |  |  | Reviewer Comment (2025-06-17): Documentation provided; exception cleared.<br>Seller Comment (2025-06-13): Attached explanation for the incorrect citizenship on the initial 1003. | 06/17/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20251249 |  |  |  | 33585765 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted].No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2025-05-16): Upon further review, [Redacted]% tolerance is acceptable.<br>Buyer Comment (2025-05-16): See docs provided<br>Reviewer Comment (2025-05-12): [Redacted] received corrected PCCD and closing statement, however we also require LOE which accompanied the PCCD to finalize.<br>Buyer Comment (2025-05-09): See Uploaded PCCD and Master Final Settlement Statement<br>Reviewer Comment (2025-04-18): [Redacted] received rebuttal stating post cd and Final SS states recording fee of $[Redacted]. Therefore, we would require Post CD, LOX and Final SS in order to verify the fees.<br>Buyer Comment (2025-04-17): See Lender's explanation: The increase should have been redisclosed on the LE, the funders do not issue those. BUT the actual recording fees on the PCCD and FSS are only $[Redacted] I think the actual fees should save us from the cure<br>Reviewer Comment (2025-04-14): [Redacted] received rebuttal and Changed Circumstance dated [Redacted], but it doesn't give sufficient information why the recording fee increased. Please provide additional sufficient information on why the recording fee increased or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-04-10): [Redacted] is a dry state, therefore, funding/disbursement is done after note date. At funding there was sufficient documentation that funds were available to be disbursed after note date. | 05/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 20251254 |  |  |  | 33585772 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing third party verification of business ([Redacted]). |  |  |  | Reviewer Comment (2025-05-05): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-01): See docs - business is in good standing<br>Reviewer Comment (2025-04-28): Missing third party verification for [Redacted].<br>Buyer Comment (2025-04-24): Please see documents attached. There is a google search for the business, the operating agreement and an lox as borrower prepares his own taxes. There is no CPA available to provide verification. That was done through a google search. Thanks<br>Reviewer Comment (2025-04-21): Per guidelines, Third-party verification is required (CPA/Tax Preparer letter, confirmation from regulatory or state agency, or applicable<br> licensing bureau).<br>Buyer Comment (2025-04-17): See docs provided | 05/05/2025 |  |  | 1 C A |  | WY | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251247 |  |  |  | 33585776 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Payment History of Heloc on Primary Home was not provided. |  |  |  | Reviewer Comment (2025-05-05): Received Heloc Agreement with Origination date and signed, Verified HELOC agreement which was taken out at the same time. There is no housing history. Hence, Exception Cleared.<br>Buyer Comment (2025-05-01): See docs provided<br>Reviewer Comment (2025-04-29): We have received HELOC Agreement in which the origination date is not mentioned. Please provide evidence of HELOC origination date as the HELOC agreement provided is not dated. Exception remains<br>Buyer Comment (2025-04-25): See explanation that heloc was taken out at the same time - there is no history to provide<br>Reviewer Comment (2025-04-25): Received HELOC Agreement but required Verification of Mortgage (VOM) or Payment History to verify 12 months housing history for Primary property. Exception remains.<br>Buyer Comment (2025-04-23): See docs provided<br>Reviewer Comment (2025-04-21): Please Provide Mortgage Statement or Payment History to verify 12 months housing history for Primary property. Exception remains.<br>Buyer Comment (2025-04-17): See docs provided | 05/05/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251259 |  |  |  | 33585779 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of ___ is greater than Guideline maximum loan amount of ___. | Note loan amount of $[Redacted] is greater than Guideline maximum loan amount of $[Redacted]. A Lender exception request and exception approval was not provided. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted] residual income.<br>DTI is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-30): The client elects to waive.<br>Buyer Comment (2025-04-29): See docs provided<br>Reviewer Comment (2025-04-28): Provide a letter exception from [Redacted].<br>Buyer Comment (2025-04-24): see docs provided<br>Reviewer Comment (2025-04-23): Lender exception from [Redacted] provided, please provide lender exception from [Redacted] as well.<br>Buyer Comment (2025-04-21): See exception provided |  |  | 04/30/2025 | 2 C B |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251280 |  |  |  | 33585780 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Business Narrative document not Provided |  |  |  | Reviewer Comment (2025-04-24): Received and associated business narrative document for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-04-22): Business Narrative | 04/24/2025 |  |  | 1 C A |  | FL | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20251280 |  |  |  | 33585781 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization Purposes. |  |  |  | Reviewer Comment (2025-04-24): Received and associated UCDP report with CU Score#[Redacted]. Exception Cleared.<br>Buyer Comment (2025-04-22): Fannie SSR. Score [Redacted]. | 04/24/2025 |  |  | 1 D A |  | FL | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20251280 |  |  |  | 33585788 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-02): [Redacted] received a valid COC.<br>Buyer Comment (2025-04-30): Revised LE and COC | 05/02/2025 |  |  | 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 A | Non QM | Non QM | Yes |
|  | 20251280 |  |  |  | 33585789 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Notice of Special Flood Hazard Disclosure was provided on the day of closing. |  |  |  | Reviewer Comment (2025-05-02): Notice of Special Flood Hazard Disclosure that was provided at the initial application was provided.<br>Buyer Comment (2025-04-30): Notice of special flood disclosure | 05/02/2025 |  |  | 1 B A |  | FL | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20251280 |  |  |  | 33585790 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a corrected 1003 to reflect borrower is a permanent resident alien. |  |  |  | Reviewer Comment (2025-04-25): Documentation provided; exception cleared.<br>Buyer Comment (2025-04-23): 1003 | 04/25/2025 |  |  | 1 C A |  | FL | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20251275 |  |  |  | 33585792 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing evidence of receipt of the equity from sold home. |  |  |  | Reviewer Comment (2025-05-05): Received and associated Closing statement for "[Redacted]". Sufficient assets for closing and reserve requirement verified. Exception cleared.<br>Buyer Comment (2025-05-01): Uploaded settlement statement from sale of REO and receipt of funds to [Redacted] | 05/05/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251275 |  |  |  | 33585793 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. (|  |  |  | Reviewer Comment (2025-04-22): [Redacted] received proof of earlier electronic receipt<br>Buyer Comment (2025-04-21): Tracking details | 04/22/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
|  | 20251275 |  |  |  | 33585794 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure | TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. | Seller paid fees on the seller's closing disclosure are not consistent with those on the borrower's final closing disclosure. |  |  |  | Reviewer Comment (2025-05-07): Documentation provided; exception cleared. | 05/07/2025 |  |  | 1 A |  | AZ | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
|  | 20251275 |  |  |  | 33585795 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing evidence of receipt of the equity from sold home. |  |  |  | Reviewer Comment (2025-05-05): Received and associated Closing statement for "[Redacted]". Sufficient assets for closing and reserve requirement verified. Exception cleared.<br>Buyer Comment (2025-05-01): Settlement statement<br>Buyer Comment (2025-05-01): Receipt of funds<br>Reviewer Comment (2025-04-28): This is purchase contract for subject. Exception is for evidence of receipt of proceeds from sale of REO.<br>Buyer Comment (2025-04-24): Executed sales contract for REO | 05/05/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251275 |  |  |  | 33585796 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing evidence of receipt of the equity from sold home. |  |  |  | Reviewer Comment (2025-05-05): Received and associated Closing statement for "[Redacted]". Sufficient assets for closing and reserve requirement verified. Exception cleared.<br>Buyer Comment (2025-05-01): Settlement statement and receipt of funds uploaded to [Redacted]<br>Reviewer Comment (2025-04-28): This is purchase contract for subject. Exception is for evidence of receipt of proceeds from sale of REO.<br>Buyer Comment (2025-04-24): Executed sales contract for REO uploaded to [Redacted] | 05/05/2025 |  |  | 1 B A C |  | AZ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 20251275 |  |  |  | 33585797 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing evidence of receipt of the equity from sold home. |  |  |  | Reviewer Comment (2025-05-05): Received and associated Closing statement for "[Redacted]". Sufficient assets for closing and reserve requirement verified. Exception cleared.<br>Buyer Comment (2025-05-01): Settlement statement and receipt of funds uploaded to [Redacted]<br>Reviewer Comment (2025-04-28): This is purchase contract for subject. Exception is for evidence of receipt of proceeds from sale of REO.<br>Buyer Comment (2025-04-24): Executed sales contract for REO uploaded to [Redacted]. | 05/05/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251275 |  |  |  | 33585799 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing business narrative used by lender to calculate [Redacted]% expense factor. |  |  |  | Reviewer Comment (2025-04-24): Received and associated business narrative document for [Redacted] ([Redacted]). Exception Cleared.<br>Buyer Comment (2025-04-22): Business Narrative | 04/24/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251275 |  |  |  | 33585800 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Received and associated Closing statement for "[Redacted]". Sufficient assets for closing and reserve requirement verified. Exception cleared. |  |  |  | Reviewer Comment (2025-05-07): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-07): The notary page signed [Redacted] belongs to the Warranty deed signed by the sellers. The pages in [Redacted] are out of order. Attached is the complete Warranty Deed signed by Sellers [Redacted] and [Redacted].<br>Reviewer Comment (2025-05-07): The notary date on the security instrument is [Redacted] which is prior to the closing statement date of [Redacted], exception remains.<br>Buyer Comment (2025-05-05): Please clear: Per feedbacks: Received and associated Closing statement for "[Redacted]". Sufficient assets for closing and reserve requirement verified. Exception cleared. | 05/07/2025 |  |  | 1 A |  | AZ | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
|  | 20251275 |  |  |  | 33585801 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. | Received and associated Closing statement for "[Redacted]". Sufficient assets for closing and reserve requirement verified. Exception cleared. |  |  |  | Reviewer Comment (2025-05-07): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-07): The notary page signed [Redacted] belongs to the Warranty deed signed by the sellers. The pages in [Redacted] are out of order. Complete Warranty Deed signed by Sellers [Redacted] and [Redacted] attached to [Redacted].<br>Reviewer Comment (2025-05-07): The notary date on the security instrument is [Redacted] which is prior to the closing statement date of [Redacted], exception remains.<br>Buyer Comment (2025-05-05): Please clear: Per feedbacks: Received and associated Closing statement for "[Redacted]". Sufficient assets for closing and reserve requirement verified. Exception cleared. | 05/07/2025 |  |  | 1 A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251275 |  |  |  | 33585802 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Received and associated Closing statement for "[Redacted]". Sufficient assets for closing and reserve requirement verified. Exception cleared. |  |  |  | Reviewer Comment (2025-05-07): Documentation provided; exception cleared. | 05/07/2025 |  |  | 1 A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251312 |  |  |  | 33585806 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-04-25): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-04-23): Fraud report | 04/25/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251312 |  |  |  | 33585811 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Insufficient assets verified to meet reserve requirement. |  |  |  | Reviewer Comment (2025-04-30): All asset documentation has been provided, and the reserves now meet the guideline requirement.<br>Buyer Comment (2025-04-30): In addition to the extra gift funds being returned to the gifter Page [Redacted] of the Settlement Statement uploaded [Redacted] shows the EMD overage being returned to borrowers. Attached is the receipt for the borrower EMD overage.<br>Buyer Comment (2025-04-28): Settlement showing receipt of Gift fund $[Redacted], $[Redacted], and $[Redacted]. Page [Redacted] shows extra funds of $[Redacted] returned to donor. Total gift Funds from Donor to title $[Redacted] which matches gift letter in file.<br>Reviewer Comment (2025-04-25): The seller credit is already included and is not used for reserves.<br>Buyer Comment (2025-04-23): Seller credit on CD of $[Redacted]towards closing. This account for reserves. | 04/30/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251312 |  |  |  | 33585812 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient assets verified to meet reserve requirement. |  |  |  | Reviewer Comment (2025-04-30): All asset documentation has been provided, and the reserves now meet the guideline requirement.<br>Buyer Comment (2025-04-28): uploaded to [Redacted]<br>Reviewer Comment (2025-04-25): The seller credit is already included and is not used for reserves.<br>Buyer Comment (2025-04-23): Uploaded to [Redacted] | 04/30/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 20251312 |  |  |  | 33585813 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient assets verified to meet reserve requirement. |  |  |  | Reviewer Comment (2025-04-30): All asset documentation has been provided, and the reserves now meet the guideline requirement.<br>Buyer Comment (2025-04-28): uploaded to [Redacted]<br>Reviewer Comment (2025-04-25): The seller credit is already included and is not used for reserves.<br>Buyer Comment (2025-04-23): Uploaded to [Redacted] | 04/30/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251257 |  |  |  | 33585819 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-22): Sufficient Cure Provided At Closing |  | 04/22/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 20251257 |  |  |  | 33585820 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please confirm borrower has been self employed for two years. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [Redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted] residual income.<br>More than [Redacted] months reserves verified.<br>DTI is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-05): Lender exceptions provided.<br>Buyer Comment (2025-05-01): Apologies!! this should be the self employment exception this time.<br>Reviewer Comment (2025-04-30): The same exception form for the [Redacted] on the roof was provided.<br>Buyer Comment (2025-04-29): See correct exception<br>Reviewer Comment (2025-04-29): The exception form provided is for [Redacted] on the roof and not for verification of self-employment.<br>Buyer Comment (2025-04-25): See exception |  |  | 05/05/2025 | 2 C B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251257 |  |  |  | 33585821 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject units master policy does not have ACV on roofs, lender exception in file. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [Redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted] residual income.<br>More than [Redacted] months reserves verified.<br>DTI is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-24): Lender exception in file. |  |  | 04/24/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251242 |  |  |  | 33585822 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ | Please accept as is. |  |  |  | Reviewer Comment (2025-04-29): The client accepts this as is<br>Buyer Comment (2025-04-25): Yes, please accept as level 2 |  |  |  | 2 A B |  | IL | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
|  | 20251242 |  |  |  | 33585826 |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | Field Review effective date does not match the Appraisals effective date. |  |  |  | Reviewer Comment (2025-05-13): An updated field review with the effective date matching the appraisal was provided.<br>Reviewer Comment (2025-05-09): The field review reflects effective date of [Redacted], exception remains.<br>Buyer Comment (2025-05-08): See updated field review<br>Reviewer Comment (2025-04-29): A Field Review and a Desk Review are similar as they are additional reviews of an appraisal. Page #[Redacted] of the field review reflects 'Effective Date of Appraisal Under Review [Redacted]. The appraisal that was provided for review has an effective date of [Redacted], which should be reflected in the field review.<br>Buyer Comment (2025-04-25): The field review date doesn't match the appraisal effective date because they were done on different days. The CDA effective date matches appraisal. When that value did not support, then a field review was ordered. | 05/13/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
|  | 20251242 |  |  |  | 33585827 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | Borrower does not meet minimum credit score requirement. |  |  |  | Reviewer Comment (2025-05-01): Received and associated updated Credit Report with FICO Score of [Redacted]. Exception cleared.<br>Buyer Comment (2025-04-29): See document provided | 05/01/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
|  | 20251242 |  |  |  | 33585828 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-23): Sufficient Cure Provided At Closing |  | 04/23/2025 |  | 1 A |  | IL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 20251242 |  |  |  | 33585829 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing Rent Free Letter from the owners of [Redacted]. |  |  |  | Reviewer Comment (2025-05-21): Received and associated Rent Free Letter from the owners of [Redacted]. Exception Cleared.<br>Buyer Comment (2025-05-19): See LOX provided<br>Reviewer Comment (2025-05-01): Received Business documents, Please Provide Rent Free Letter form the owners of [Redacted]. Exception remains.<br>Buyer Comment (2025-04-29): See docs provided | 05/21/2025 |  |  | 1 C A D |  | IL | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
|  | 20251242 |  |  |  | 33585830 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Third party verification in file dated [Redacted] states business is not in good standing. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-15): Client elects to waive w/comp factors.<br>Buyer Comment (2025-05-15): Please waive with comp factors<br>Reviewer Comment (2025-05-09): Third party verification provided is dated post close. You can choose to waive this exception.<br>Buyer Comment (2025-05-07): See docs provided<br>Reviewer Comment (2025-05-01): The same document was provided from the Secretary of State, reflecting the business status as Not Good Standing.<br>Buyer Comment (2025-04-29): See docs provided |  |  | 05/15/2025 | 2 C B |  | IL | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
|  | 20251287 |  |  |  | 33585836 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing 12 month prior rental payment history. |  |  |  | Reviewer Comment (2025-05-07): Received Verification of Rent document and Pay History to verify 12 months rental history for Primary property. Exception Cleared.<br>Buyer Comment (2025-05-05): VOR | 05/07/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251321 |  |  |  | 33585838 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing a copy of Business Narrative. |  |  |  | Reviewer Comment (2025-05-12): Received and associated business narrative document for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-05-08): See Uploaded Business narrative | 05/12/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251321 |  |  |  | 33585841 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing 12 months rental history for current primary. |  |  |  | Reviewer Comment (2025-05-15): A rent-free letter and the lease for the other investment property was provided.<br>Buyer Comment (2025-05-13): See Uploaded lease agreement for [Redacted]<br>Reviewer Comment (2025-05-12): Please provide Verification of Rent for Current Property "[Redacted]". Exception remains<br>Buyer Comment (2025-05-08): See uploaded Rent Free Letter | 05/15/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251272 |  |  |  | 33585844 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | An [Redacted] investor exception for combination of business and personal account statements used on a business bank statement loan was provided, however missing lender exception from G Rate. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [Redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | $[Redacted] residual income.<br>$[Redacted] verified reserves. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-02): The client elects to waive.<br>Buyer Comment (2025-04-30): See exception doc |  |  | 05/02/2025 | 2 C B |  | CO | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251272 |  |  |  | 33585845 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Asset Utilization income was used for income. Most recent 6 months of consecutive asset statements are required to verify stable balance history. All asset documentation was not provided. Missing [Redacted] [Redacted] Statement #[Redacted], [Redacted] and [Redacted] [Redacted] Statements for [Redacted] #[Redacted], [Redacted]. and [Redacted] statements [Redacted] Statement #[Redacted]. |  |  |  | Reviewer Comment (2025-04-30): Received and associated Most Recent 6 months of Consecutive asset statements. Exception Cleared.<br>Buyer Comment (2025-04-29): See docs provided | 04/30/2025 |  |  | 1 C A |  | CO | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251244 |  |  |  | 33585849 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-24): Sufficient Cure Provided At Closing |  | 04/24/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20251303 |  |  |  | 33585853 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2025-05-14): [Redacted] received LOE is sufficient to clear.<br>Buyer Comment (2025-05-13): See LOX provided<br>Reviewer Comment (2025-05-02): [Redacted] is unable to determine from the file whether the lender or title company required the survey. If the lender required, the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected.<br>Buyer Comment (2025-04-30): Per lender<br> - That charge is a section C charge it should not cause a tolerance cure. It is for the survey endorsement and has been disclosed since the CD was first sent to the borrower. | 05/14/2025 |  |  | 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 A | Non QM | Non QM | Yes |
|  | 20251304 |  |  |  | 33585855 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization Purposes. |  |  |  | Reviewer Comment (2025-04-29): Received secondary valuation CDA with value $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-04-28): CDA supporting value.<br>Buyer Comment (2025-04-28): attached | 04/29/2025 |  |  | 1 D A |  | FL | Primary | Purchase | D A | Non QM | Non QM | No |
|  | 20251261 |  |  |  | 33585860 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. |  |  |  | Reviewer Comment (2025-05-22): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-20): See uploaded Notice of Special Flood Hazard dated [Redacted]<br>Reviewer Comment (2025-05-15): Notice should have been provided to borrower prior to closing that subject is in a flood zone, exception remains.<br>Buyer Comment (2025-05-13): See uploaded Notice of Special Flood Hazards<br>Reviewer Comment (2025-04-30): This is not for the Flood Cert but for the Notice of Special Flood Hazard Disclosure. This was provided at closing, and the regulation requires this Disclosure to be provided prior to closing.<br>Buyer Comment (2025-04-29): See uploaded flood cert<br>Buyer Comment (2025-04-29): Flood Cert | 05/22/2025 |  |  | 1 B A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251261 |  |  |  | 33585863 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-30): [Redacted] received COC dated [Redacted]<br>Buyer Comment (2025-05-29): Please see attached rush reason from lender<br>Reviewer Comment (2025-05-15): [Redacted] received COC stating "Rush requested by applicant" however we required the reason as to what caused that requested for rush by applicant. Also, there seems to be no supporting document in the loan file for the borrower request to change. Please provide documentation of borrower requested change for rush and it should include the date of the borrower's change request and be documented in writing through copy of borrower emails, Communication log or screenshot of LO notes in LOX, etc. Otherwise, cure is required to borrower.<br>Buyer Comment (2025-05-14): See Updated CoC dated [Redacted]<br>Reviewer Comment (2025-05-12): [Redacted] received COC dated [Redacted] for adding final inspection fee but the fee was again increased on CD dated [Redacted] from $[Redacted] to $[Redacted] for which there is not COC in file. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or cure is required.<br>Buyer Comment (2025-05-09): See Uploaded Loan Estimate and CoC | 05/30/2025 |  |  | 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 A | Non QM | Non QM | Yes |
|  | 20251251 |  |  |  | 33585865 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Loan Estimate not delivered or placed in the mail to Borrower within three business days of application. |  |  |  | Reviewer Comment (2025-05-15): [Redacted] received [Redacted] initial LE<br>Buyer Comment (2025-05-14): See docs provided<br>Reviewer Comment (2025-05-13): [Redacted] re-received the [Redacted] LE. The LE was not provided within 3 business days of the application date of [Redacted]. See initial application doc ID [Redacted] which reflects the initial application earliest date. Provide LE issued within 3 business days of this application date.<br>Buyer Comment (2025-05-12): See docs provided<br>Reviewer Comment (2025-05-06): the [Redacted] LE was not located in the loan file. Please provide the [Redacted] LE for review.<br>Buyer Comment (2025-05-05): See docs provided | 05/15/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | No Defined Cure A | Non QM | Non QM | No |
|  | 20251251 |  |  |  | 33585868 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $[Redacted] is less than Cash From Borrower $[Redacted]. Business funds were used but documentation provided was insufficient per guidelines. Cash Flow Analysis was provided to show use of funds will not negatively affect the Business. Require a letter from the borrower. |  |  |  | Reviewer Comment (2025-05-15): Received and associated LOE from borrower stating that use of business funds will not have a negative impact on the business. Exception cleared.<br>Buyer Comment (2025-05-14): See lox provided<br>Reviewer Comment (2025-05-07): Please provide LOE from borrower stating that use of business funds will not have a negative impact on the business. Exception remains.<br>Buyer Comment (2025-05-05): See docs provided | 05/15/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
|  | 20251266 |  |  |  | 33585872 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-28): Sufficient Cure Provided At Closing |  | 04/28/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20251266 |  |  |  | 33585873 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 12 month rental history was not provided. |  |  |  | Reviewer Comment (2025-05-02): A 12-month rental history was provided.<br>Buyer Comment (2025-04-30): See Uploaded Rental History<br>Buyer Comment (2025-04-30): Rental History | 05/02/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251266 |  |  |  | 33585874 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing a written explanation such as the [Redacted] Business Narrative or a similar form on their 1099 employment including an expense<br> factor that is related to their annual business. Missing Either most recent paystub showing YTD income, statement, or similar documentation that<br> also shows the Borrower's year-to-date earnings. |  |  |  | Reviewer Comment (2025-05-22): Received and associated Business Narrative and Bank Statements Verified YTD Income. Exception Cleared.<br>Buyer Comment (2025-05-20): See Uploaded YTD earnings breakdown and deposit verifications for [Redacted]<br>Reviewer Comment (2025-05-15): Business Narratives were received. Please provide a paystub or statement showing YTD income.<br>Buyer Comment (2025-05-13): See Uploaded Business Narrative from Redfin<br>Reviewer Comment (2025-05-09): Received Business narrative for" [Redacted]" Business, Please provide business narrative document for "[Redacted]" Business. Missing Either most recent paystub showing YTD income, Statement, or Similar documentation that shows YTD earnings. Exception remains<br>Buyer Comment (2025-05-07): See Uploaded Business Narrative for [Redacted]<br>Reviewer Comment (2025-05-02): Business Narrative has a different business listed from what is on the [Redacted]. Also, missing either the most recent paystub showing YTD income, statement, or similar documentation that shows YTD earnings.<br>Buyer Comment (2025-04-30): See uploaded Business Narrative<br>Buyer Comment (2025-04-30): Business Narrative | 05/22/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251250 |  |  |  | 33585876 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-05-05): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-02): Fraud report | 05/05/2025 |  |  | 1 C A |  | NV | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251243 |  |  |  | 33585879 |  | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | Closing Disclosure Issue Date: [Redacted]; Received Date: [Redacted]; Signed Date: [Redacted]. |  |  |  | Buyer Comment (2025-05-19): Accept as is<br>Reviewer Comment (2025-05-19): Please accept "as is".<br>Buyer Comment (2025-05-15): LOE |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 20251317 |  |  |  | 33585886 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-29): Sufficient Cure Provided At Closing |  | 04/29/2025 |  | 1 A |  | VA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20251317 |  |  |  | 33585887 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  |  |  |  |  | Reviewer Comment (2025-05-19): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-16): Document provided was verified on [Redacted]. Note date is [Redacted] - WVOE can be post close but prior to delivery. Please clear.<br>Reviewer Comment (2025-05-15): Received the Work Number - Employment Only document is 12 days prior to the note date, Please Provide VVOE completed within 10 days of the Note. Exception remains.<br>Buyer Comment (2025-05-14): See docs provided | 05/19/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20251264 |  |  |  | 33585892 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Prepayment Penalty) | Truth in Lending Act (HOEPA): Subject loan contains a prepayment penalty. | Waterfall due to prepayment penalty. Prepayment addendum in file while Final Closing Disclosure shows no Prepayment penalty on page 1. |  |  |  | Reviewer Comment (2025-05-05): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-01): See Uploaded Prepayment rider and Addendum, Both documents indicate that the prepayment period is N/A. No Prepayment was included or priced for. | 05/05/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251264 |  |  |  | 33585893 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Prepayment Penalty) | Truth in Lending Act (High-Cost Mortgage): Prepayment penalty amount exceeded. Non-Compliant High Cost Loan. | Waterfall due to prepayment penalty. Prepayment addendum in file while Final Closing Disclosure shows no Prepayment penalty on page 1. |  |  |  | Reviewer Comment (2025-05-05): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-01): See Uploaded Prepayment rider and Addendum, Both documents indicate that the prepayment period is N/A. No Prepayment was included or priced for.<br>Buyer Comment (2025-05-01): Prepayment rider and Addendum | 05/05/2025 |  |  | 1 C A |  | OK | Primary | Purchase | Escalate to CHD for review and guidance. A | Non QM | Non QM | Yes |
|  | 20251264 |  |  |  | 33585894 |  | 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 | Waterfall due to prepayment penalty. Prepayment addendum in file while Final Closing Disclosure shows no Prepayment penalty on page 1. |  |  |  | Reviewer Comment (2025-05-05): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-01): See Uploaded Prepayment rider and Addendum, Both documents indicate that the prepayment period is N/A. No Prepayment was included or priced for.<br>Buyer Comment (2025-05-01): Prepayment Rider and Addendum | 05/05/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251264 |  |  |  | 33585895 |  | 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. | Waterfall due to prepayment penalty. Prepayment addendum in file while Final Closing Disclosure shows no Prepayment penalty on page 1. |  |  |  | Reviewer Comment (2025-05-05): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-01): See Uploaded Prepayment rider and Addendum, Both documents indicate that the prepayment period is N/A. No Prepayment was included or priced for.<br>Buyer Comment (2025-05-01): Prepayment Rider and Addendum | 05/05/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251264 |  |  |  | 33585896 |  | 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 15 days. | Mortgage loan contains a late charge that exceeds the greater of [Redacted]% of the amount past due or grace period of less than 15 days. |  |  |  | Reviewer Comment (2025-05-05): Documentation provided; exception cleared. | 05/05/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251264 |  |  |  | 33585897 |  | 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. | Waterfall due to prepayment penalty. Prepayment addendum in file while Final Closing Disclosure shows no Prepayment penalty on page 1. |  |  |  | Reviewer Comment (2025-05-05): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-01): See Uploaded Prepayment rider and Addendum, Both documents indicate that the prepayment period is N/A. No Prepayment was included or priced for.<br>Buyer Comment (2025-05-01): Prepayment Rider and Addendum | 05/05/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251264 |  |  |  | 33585898 |  | Compliance | Compliance | Federal Compliance | TILA | TILA - Impermissible Prepayment Penalty | Truth in Lending Act (Dodd-Frank 2014): Covered transaction contains impermissible prepayment penalty. | Waterfall due to prepayment penalty. Prepayment addendum in file while Final Closing Disclosure shows no Prepayment penalty on page 1. |  |  |  | Reviewer Comment (2025-05-05): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-01): See Uploaded Prepayment rider and Addendum, Both documents indicate that the prepayment period is N/A. No Prepayment was included or priced for.<br>Buyer Comment (2025-05-01): Prepayment Rider and Addendum | 05/05/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251264 |  |  |  | 33585900 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Prepayment Penalty | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan contains a Prepayment Penalty. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan contains a Prepayment Penalty. Prepayment addendum in file while Final Closing Disclosure shows no Prepayment penalty on page 1. |  |  |  | Reviewer Comment (2025-05-05): Documentation provided; exception cleared.<br>Reviewer Comment (2025-05-02): [Redacted] received prepayment Rider and Note addendum. Final CD reflects NO prepayment on page [Redacted], but the executed Note Rider & Security instrument prepayment Rider are provided. That the N/A of the months does not ignore that a prepayment period exists to Note terms and with N/A would give indication that it is lifetime prepayment penalty. Corrected CD and LOE to borrower to correctly disclose that YES loan does have a prepayment penalty to terms.<br>Buyer Comment (2025-05-01): See Uploaded Prepayment rider and Addendum, Both documents indicate that the prepayment period is N/A. No Prepayment was included or priced for.<br>Buyer Comment (2025-05-01): Prepayment Rider and Addendum | 05/05/2025 |  |  | 1 B A |  | OK | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
|  | 20251264 |  |  |  | 33585902 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing 12 month verification of rental payment history. Lender exception to waive 2 months of housing history contingent on a signed letter of explanation from the Borrower. Approval in file. Signed Letter from Borrower in file as well as checks from June - [Redacted] identified as rent; however file is missing remainder of rental payments and verification of monthly rent through a lease or other documentation signed by the landlord. |  |  |  | Reviewer Comment (2025-05-07): Received Canceled Checks and Bank Statements to verify [Redacted] months, Lender exception to waive 2 months of housing history approved rental history for Primary property. Exception Cleared.<br>Buyer Comment (2025-05-05): See uploaded 10 months rent payment verification docs<br>Reviewer Comment (2025-05-05): Where are the 10months verified in the file?<br>Buyer Comment (2025-05-02): Lender LOE for rent verification | 05/07/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251264 |  |  |  | 33585903 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Prepayment Penalty) | Truth in Lending Act (High-Cost Mortgage): Prepayment penalty term exceeded. Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2025-05-05): Documentation provided; exception cleared. | 05/05/2025 |  |  | 1 C A |  | OK | Primary | Purchase | Escalate to CHD for review and guidance. A | Non QM | Non QM | Yes |
|  | 20251327 |  |  |  | 33585916 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | The earliest dated E-Consent is [Redacted] which was after the date of the initial Loan Estimate provided electronically issued [Redacted]. |  |  |  | Reviewer Comment (2025-05-06): [Redacted] received e-consent.<br>Buyer Comment (2025-05-05): Page [Redacted] shows econsent verification and document tracking. | 05/06/2025 |  |  | 1 C A |  | LA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250927 |  |  |  | 33585921 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-30): Sufficient Cure Provided At Closing |  | 04/30/2025 |  | 1 A |  | NC | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20250927 |  |  |  | 33585922 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-30): Sufficient Cure Provided At Closing |  | 04/30/2025 |  | 1 A |  | NC | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20250927 |  |  |  | 33585924 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Expense Ratio of [Redacted]% was used as shown on UW Worksheet provided. Missing either CPA letter OR an audited P & L Statement documenting the expense ratio used. Additional exceptions may be set without documentation due to [Redacted]% fixed expense ratio. |  |  |  | Reviewer Comment (2025-05-12): Received and associated Expense Letter for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-05-08): See lox provided | 05/12/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251253 |  |  |  | 33585928 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. |  |  |  |  | Reviewer Comment (2025-05-16): A certified closing statement from the settlement company was provided with the correct disbursement date, exception cleared.<br>Buyer Comment (2025-05-14): see docs provided | 05/16/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
|  | 20251295 |  |  |  | 33585933 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Loan Estimate not delivered or placed in the mail to Borrower within three business days of application. |  |  |  | Reviewer Comment (2025-05-15): [Redacted] received e-consent dated [Redacted]<br>Buyer Comment (2025-05-14): See docs provided<br>Reviewer Comment (2025-05-09): [Redacted] received Initial LE dated [Redacted]. However, the consumer went through the eConsent process on [Redacted], the consumer acknowledged the receipt of the LE on[Redacted]. But the loan application date was [Redacted]. In the event the consumer had not provided eConsent by [Redacted], then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment 19(e)(1)(iv)-2. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over 3 business days and acknowledged over 3 business days. The LE would not have been provided electronically if borrower had not e-consented with the 3 business days after application.<br>Buyer Comment (2025-05-08): See docs provided | 05/15/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20251267 |  |  |  | 33585938 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-06): Sufficient Cure Provided At Closing |  | 05/06/2025 |  | 1 A |  | NC | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20251267 |  |  |  | 33585939 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing evidence of receipt of gift funds in the amount of $[Redacted]. |  |  |  | Reviewer Comment (2025-05-30): Gift funds in the amount of $[Redacted] verified, exception cleared.<br>Reviewer Comment (2025-05-29): Received wire confirmation for [Redacted], however we require evidence of copy of the borrower's deposit slip. Exception Remains<br>Buyer Comment (2025-05-27): See docs provided<br>Reviewer Comment (2025-05-14): Missing evidence of receipt of gift funds in the amount of $[Redacted].<br>Buyer Comment (2025-05-12): See docs provided | 05/30/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251267 |  |  |  | 33585940 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient assets verified to meet reserve requirement. |  |  |  | Reviewer Comment (2025-05-30): Gift funds in the amount of $[Redacted] verified, exception cleared.<br>Buyer Comment (2025-05-27): See docs provided<br>Reviewer Comment (2025-05-14): Missing evidence of receipt of gift funds in the amount of $[Redacted].<br>Buyer Comment (2025-05-12): see docs provided | 05/30/2025 |  |  | 1 B A C |  | NC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 20251267 |  |  |  | 33585941 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient assets verified to meet reserve requirement. |  |  |  | Reviewer Comment (2025-05-30): Gift funds in the amount of $[Redacted] verified, exception cleared.<br>Buyer Comment (2025-05-27): See docs provided<br>Reviewer Comment (2025-05-14): Missing evidence of receipt of gift funds in the amount of $[Redacted].<br>Buyer Comment (2025-05-12): See docs provided | 05/30/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251322 |  |  |  | 33585945 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Tradeline requirement not met. An [Redacted] lender exception was provided, however missing a lender exception from First Colony. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted] residual income.<br>[Redacted] months reserves.<br>The LTV/CLTV is [Redacted]% below guideline max.<br>The LTV/CLTV is [Redacted]% below guideline max.<br>The DTI is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-16): Lender exceptions in file.<br>Buyer Comment (2025-05-14): [Redacted] Exception |  |  | 05/16/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251296 |  |  |  | 33585948 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. |  |  |  | Reviewer Comment (2025-05-14): Final CD provided, exception cleared.<br>Buyer Comment (2025-05-12): Final CD | 05/14/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
|  | 20251296 |  |  |  | 33585949 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | File is missing the copy of final 1003 |  |  |  | Reviewer Comment (2025-05-12): Received and associated 1003 Final. Exception cleared.<br>Buyer Comment (2025-05-08): Final 1003 | 05/12/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 20251296 |  |  |  | 33585951 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for transferred appraisal. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted] residual income.<br>[Redacted] months reserves.<br>LTV/CLTV is [Redacted]% below guideline max.<br>LTV/CLTV is [Redacted]% below guideline max.<br>DTI is [Redacted]% below guideline max. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-07): Lender exception in file. |  |  | 05/07/2025 | 2 B |  | WA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 20251296 |  |  |  | 33585952 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Missing validation of the legitimacy of the CPA. |  |  |  | Reviewer Comment (2025-05-16): A PTIN was provided.<br>Buyer Comment (2025-05-14): PTIN validation | 05/16/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 20251296 |  |  |  | 33585953 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Final CD provided, exception cleared. |  |  |  | Reviewer Comment (2025-05-14): Sufficient Cure Provided At Closing |  | 05/14/2025 |  | 1 A |  | WA | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 20251285 |  |  |  | 33585958 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing source of EMD and evidence of receipt of the proceeds from the sale of the departing residence. |  |  |  | Reviewer Comment (2025-05-15): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-13): See docs provided | 05/15/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251285 |  |  |  | 33585961 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing source of EMD and evidence of receipt of the proceeds from the sale of the departing residence. |  |  |  | Reviewer Comment (2025-05-15): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-13): See docs provided | 05/15/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251285 |  |  |  | 33585962 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient assets to meet closing and reserve requirements. |  |  |  | Reviewer Comment (2025-05-15): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-13): See docs provided | 05/15/2025 |  |  | 1 B A C |  | SC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 20251285 |  |  |  | 33585963 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing source of EMD and evidence of receipt of the proceeds from the sale of the departing residence. |  |  |  | Reviewer Comment (2025-05-15): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-13): See docs provided | 05/15/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251291 |  |  |  | 33585969 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to allow an comingled bank account for an LLC. Approval in file. | Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-09): Lender exception in file. |  |  | 05/09/2025 | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 20251281 |  |  |  | 33585979 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-09): Sufficient Cure Provided At Closing |  | 05/09/2025 |  | 1 A |  | IL | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20251281 |  |  |  | 33585980 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-09): Sufficient Cure Provided At Closing |  | 05/09/2025 |  | 1 A |  | IL | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20251289 |  |  |  | 33585983 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing evidence of receipt of the proceeds from departing residence. |  |  |  | Reviewer Comment (2025-05-15): Received and associated Seller Closing Disclosure for sold Property. Sufficient assets for closing and reserve requirement verified. Exception cleared.<br>Buyer Comment (2025-05-14): See docs provided | 05/15/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251289 |  |  |  | 33585984 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing evidence of receipt of the proceeds from departing residence, resulting in insufficient assets for closing and reserves. |  |  |  | Reviewer Comment (2025-05-15): Received and associated Seller Closing Disclosure for sold Property. Sufficient assets for closing and reserve requirement verified. Exception cleared.<br>Buyer Comment (2025-05-14): See docs provided | 05/15/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 20251289 |  |  |  | 33585985 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing evidence of receipt of the proceeds from departing residence, resulting in insufficient assets for closing and reserves. |  |  |  | Reviewer Comment (2025-05-15): Received and associated Seller Closing Disclosure for sold Property. Sufficient assets for closing and reserve requirement verified. Exception cleared.<br>Buyer Comment (2025-05-14): See docs provided | 05/15/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251289 |  |  |  | 33585986 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing evidence of receipt of the proceeds from departing residence, resulting in insufficient assets for closing and reserves. |  |  |  | Reviewer Comment (2025-05-15): Received and associated Seller Closing Disclosure for sold Property. Sufficient assets for closing and reserve requirement verified. Exception cleared.<br>Buyer Comment (2025-05-14): See docs provided | 05/15/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251289 |  |  |  | 33585987 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Missing seller's CD or other evidence of receipt of proceeds from sale of REO. |  |  |  | Reviewer Comment (2025-05-15): Received and associated Seller Closing Disclosure for sold Property. Sufficient assets for closing and reserve requirement verified. Exception cleared.<br>Buyer Comment (2025-05-14): See docs provided | 05/15/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251308 |  |  |  | 33585990 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Business Narrative document was not provided. |  |  |  | Reviewer Comment (2025-05-16): Received and associated Business narrative document for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-05-15): See docs provided | 05/16/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20251252 |  |  |  | 33586004 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. Hazard Insurance Policy Effective Date [Redacted], Disbursement Date: [Redacted] |  |  |  | Reviewer Comment (2025-05-16): Received updated Hazard Insurance Policy with effective date of [Redacted] and data verified. Exception Cleared.<br>Buyer Comment (2025-05-15): see docs provided | 05/16/2025 |  |  | 1 C A |  | MN | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251330 |  |  |  | 33586014 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  | Reviewer Comment (2025-05-19): Received and associated Credit Report document. Exception Cleared.<br>Buyer Comment (2025-05-15): attached<br>Buyer Comment (2025-05-15): Credit report | 05/19/2025 |  |  | 1 D A |  | CA | Primary | Refinance - Cash-out - Other | D A | Non QM | Non QM | No |
|  | 20251332 |  |  |  | 33586031 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. |  |  |  | Reviewer Comment (2025-05-22): [Redacted] received rebuttal and valid COC dated [Redacted]<br>Buyer Comment (2025-05-21): Loan was registered with investor [Redacted].<br>Reviewer Comment (2025-05-21): [Redacted] received COC dated [Redacted] for adding appraisal desk review fee due to investor requirement. However, provided reason is not sufficient as to what new information has received that required to change in investor requirement. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs.<br>Buyer Comment (2025-05-20): LE and COC | 05/22/2025 |  |  | 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 | Non QM | Yes |
|  | 20251332 |  |  |  | 33586032 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. No valid changed circumstance was provided. <br> Insufficient cure provided for all closing costs above the legal limit. |  |  |  | Reviewer Comment (2025-05-21): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-05-20): Final CD has a $[Redacted] credit for increase in closing costs above legal limit. |  | 05/21/2025 |  | 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 | Non QM | Yes |
|  | 20251332 |  |  |  | 33586034 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Less than 12 months housing history verified. |  |  |  | Reviewer Comment (2025-05-23): Evidence that the borrower has owned the primary since [Redacted] was provided. Only 10 months of payment history are available.<br>Buyer Comment (2025-05-22): Property tax verification from county showing borrower current with property taxes<br>Buyer Comment (2025-05-22): [Redacted] Tax bill showing borrower owns primary residence<br>Reviewer Comment (2025-05-22): Provide 12 month housing history for [Redacted], exception remains.<br>Buyer Comment (2025-05-20): Borrowers have owned current residence since [Redacted]. See pages [Redacted] and [Redacted] of Fraud report in file. | 05/23/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251332 |  |  |  | 33586035 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure was provided at closing |  |  |  | Reviewer Comment (2025-05-22): Sufficient Cure Provided At Closing |  | 05/22/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 20251320 |  |  |  | 33586041 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-16): Sufficient Cure Provided At Closing |  | 05/16/2025 |  | 1 A |  | IL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20251270 |  |  |  | 33586044 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-05-22): Received and associated E-Sign Consent Agreement document. Exception cleared.<br>Buyer Comment (2025-05-21): E-consent | 05/22/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251279 |  |  |  | 33586048 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted].No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2025-05-27): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-05-23): See docs provided | 05/27/2025 |  |  | 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 | Non QM | Yes |
|  | 20251279 |  |  |  | 33586049 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject is Rural, Legal Non-conforming zoning. An [Redacted] lender exception was provided, however missing lender exception from First Colony. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted] residual income.<br>[Redacted] months reserves.<br>DTI is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-27): Lender exceptions provided.<br>Buyer Comment (2025-05-23): See docs provided |  |  | 05/27/2025 | 2 C B |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 20251293 |  |  |  | 33586059 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2025-05-30): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-28): Lock info | 05/30/2025 |  |  | 1 B A |  | NV | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20251265 |  |  |  | 33586063 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved to use additional 3 months bank statements from [Redacted] to [Redacted]. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted]months reserves.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-27): Lender exception in file. |  |  | 05/27/2025 | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20251265 |  |  |  | 33586066 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require Less than 12 Months | Ability to Repay (Dodd-Frank 2014): Guidelines require less than 12 consecutive months bank statements. |  |  |  |  | Reviewer Comment (2025-05-27): Client elects to waive with comp factors. |  |  | 05/27/2025 | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20251277 |  |  |  | 33586082 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | HOA verification not provided. |  |  |  | Reviewer Comment (2025-05-27): An LOE from the borrower stating there is no HOA on REO property was provided.<br>Buyer Comment (2025-05-22): See docs provided | 05/27/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20251307 |  |  |  | 33586083 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing YTD information, required per guidelines. |  |  |  | Reviewer Comment (2025-05-16): Received and associated Paystubs for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-05-14): LOE<br>Reviewer Comment (2025-05-14): Please provide P&L statement for [Redacted], Required as per guidelines. Exception remains.<br>Buyer Comment (2025-05-12): YTD docs | 05/16/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20251256 |  |  |  | 33586179 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-05-14): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-05-13): Business Purpose<br>Reviewer Comment (2025-04-16): Received Occupancy Certificate but required Business Purpose Certificate. Exception Remains.<br>Buyer Comment (2025-04-14): See Uploaded Occupancy Affidavit | 05/14/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20251256 |  |  |  | 33586180 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Missing updated lease agreement. |  |  |  | Reviewer Comment (2025-04-24): Received and associated Lease Agreement document for subject property. Exception cleared.<br>Buyer Comment (2025-04-22): lease | 04/24/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20251246 |  |  |  | 33586181 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-04-29): Received and associated Business Entity Listing document for[Redacted]. Exception Cleared.<br>Buyer Comment (2025-04-28): Good standing cert | 04/29/2025 |  |  | 1 C A |  | GA | Investment | Purchase | D B C A |  | N/A | No |
|  | 20251246 |  |  |  | 33586182 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2025-04-29): Received and associated Corporate Resolution document for[Redacted]. Exception Cleared.<br>Buyer Comment (2025-04-28): Personal guaranty<br>Buyer Comment (2025-04-28): EIN number for [Redacted] | 04/29/2025 |  |  | 1 C A |  | GA | Investment | Purchase | D B C A |  | N/A | No |
|  | 20251246 |  |  |  | 33586183 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-04-29): Received and associated Operating Agreement document for [Redacted] Exception Cleared.<br>Buyer Comment (2025-04-28): Operating Agreement | 04/29/2025 |  |  | 1 C A |  | GA | Investment | Purchase | D B C A |  | N/A | No |
|  | 20251246 |  |  |  | 33586184 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-04-29): Received and associated UCDP report with CU Score#[Redacted]. Exception Cleared.<br>Buyer Comment (2025-04-28): Fannie SSR score [Redacted]. | 04/29/2025 |  |  | 1 D A |  | GA | Investment | Purchase | D B C A |  | N/A | No |
|  | 20251246 |  |  |  | 33586186 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | An [Redacted] lender exception was provided for borrower with no primary housing payment, however missing lender exception from [Redacted]. | The representative FICO score exceeds the guideline minimum by at least [Redacted]points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | FICO [Redacted] | SitusAMC,Aggregator<br>SitusAMC | Reviewer Comment (2025-05-08): The client elects to waive.<br>Buyer Comment (2025-05-06): Exception approval |  |  | 05/08/2025 | 2 C B |  | GA | Investment | Purchase | D B C A |  | N/A | No |
|  | 20251246 |  |  |  | 33586187 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2025-04-29): Received and associated Articles of Organization/Formation for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-04-28): Articles of Organization | 04/29/2025 |  |  | 1 C A |  | GA | Investment | Purchase | D B C A |  | N/A | No |
|  | 20251315 |  |  |  | 33586188 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | The file was missing a copy of the Fraud Report. |  |  |  | Reviewer Comment (2025-04-29): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-04-25): Fraud report | 04/29/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
|  | 20251255 |  |  |  | 33586190 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-04-30): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-04-28): Drive Report<br>Buyer Comment (2025-04-28): See Uploaded Final Drive Report | 04/30/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
|  | 20251255 |  |  |  | 33586191 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  |  |  |  |  | Reviewer Comment (2025-04-30): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-04-28): Drive Report<br>Buyer Comment (2025-04-28): See Uploaded Final Drive Report | 04/30/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
|  | 20251255 |  |  |  | 33586192 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2025-04-30): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-04-28): Drive Report<br>Buyer Comment (2025-04-28): See Uploaded Final Drive Report | 04/30/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
|  | 20251248 |  |  |  | 33586194 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower being considered FTI as she is not on title to marital home, lender exceptions in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>LTV is [Redacted] % below guideline max.<br>Fico is [Redacted]points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-25): Lender exception in file. |  |  | 04/25/2025 | 2 B |  | UT | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 20251271 |  |  |  | 33586196 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2025-04-30): Received and associated Articles of Organization/Formation for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-04-28): Articles of Organization | 04/30/2025 |  |  | 1 C A |  | VA | Investment | Purchase | D A |  | N/A | No |
|  | 20251271 |  |  |  | 33586197 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2025-04-30): Received and associated Corporate Resolution for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-04-28): Resolution | 04/30/2025 |  |  | 1 C A |  | VA | Investment | Purchase | D A |  | N/A | No |
|  | 20251271 |  |  |  | 33586198 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  |  |  | Reviewer Comment (2025-04-30): Received and associated Employer Identification Number (EIN) for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-04-28): EIN number | 04/30/2025 |  |  | 1 C A |  | VA | Investment | Purchase | D A |  | N/A | No |
|  | 20251271 |  |  |  | 33586199 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-04-30): Received and associated Operating Agreement document for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-04-28): Operating agreement | 04/30/2025 |  |  | 1 C A |  | VA | Investment | Purchase | D A |  | N/A | No |
|  | 20251271 |  |  |  | 33586200 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  | Reviewer Comment (2025-05-02): The purchase contract was provided.<br>Buyer Comment (2025-04-30): Purchase contract | 05/02/2025 |  |  | 1 D A |  | VA | Investment | Purchase | D A |  | N/A | No |
|  | 20251313 |  |  |  | 33586204 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-05-08): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-05-06): See docs provided | 05/08/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
|  | 20251268 |  |  |  | 33586207 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-05-08): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-05-06): Business purpose | 05/08/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
|  | 20251288 |  |  |  | 33586211 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-05-06): Received and associated UCDP report with CU Score#[Redacted]. Exception Cleared.<br>Buyer Comment (2025-05-05): See SSR scores - secondary valuation not required. | 05/06/2025 |  |  | 1 D A |  | FL | Investment | Purchase | D A |  | N/A | No |
|  | 20251282 |  |  |  | 33586218 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-05-16): Received and associated UCDP report with CU Score#[Redacted]. Exception Cleared.<br>Buyer Comment (2025-05-15): See CU score - [Redacted] - no secondary valuation required. | 05/16/2025 |  |  | 1 D A |  | GA | Investment | Purchase | D A |  | N/A | No |
|  | 20251325 |  |  |  | 33586220 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-05-29): Received secondary valuation CDA with value $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-05-29): See Uploaded CDA | 05/29/2025 |  |  | 1 D A |  | DE | Investment | Purchase | D A |  | N/A | No |
|  | 20251263 |  |  |  | 33586223 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for layered entity. Approval in file | Borrower has owned the subject property for at least [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>LTV is [Redacted] % below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-09): Lender exception in file. |  |  | 05/09/2025 | 2 B |  | TX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 20251263 |  |  |  | 33586224 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing 12 month receipt of rental payments for month to month lease. |  |  |  | Reviewer Comment (2025-05-23): 12 month receipt of rental payments was provided.<br>Buyer Comment (2025-05-22): Rent history | 05/23/2025 |  |  | 1 A |  | TX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 20251323 |  |  |  | 33586228 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-05-20): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-05-19): Business purpose | 05/20/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
|  | 20251278 |  |  |  | 33586230 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-05-22): Received secondary valuation CDA with value $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-05-20): See docs provided | 05/22/2025 |  |  | 1 D A |  | NJ | Investment | Purchase | D A |  | N/A | No |
|  | 20251298 |  |  |  | 33586233 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-05-22): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-05-20): Business purpose | 05/22/2025 |  |  | 1 C A |  | MA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20251298 |  |  |  | 33586234 |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  |  |  |  |  | Reviewer Comment (2025-05-22): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-05-20): Business purpose uploaded to [Redacted]. | 05/22/2025 |  |  | 1 C A |  | MA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20251310 |  |  |  | 33586236 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-05-22): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-05-21): Business purpose | 05/22/2025 |  |  | 1 C A |  | NM | Investment | Purchase | C B A |  | N/A | No |
|  | 20251310 |  |  |  | 33586237 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property exceeds maximum acreage for this program. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Over [Redacted] months of reserves | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-23): The client elects to waive.<br>Buyer Comment (2025-05-21): Exception approval |  |  | 05/23/2025 | 2 C B |  | NM | Investment | Purchase | C B A |  | N/A | No |
|  | 20251328 |  |  |  | 33586241 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  | Reviewer Comment (2025-05-30): The purchase contract was provided.<br>Buyer Comment (2025-05-28): See contract provided | 05/30/2025 |  |  | 1 D A |  | NY | Investment | Purchase | D A |  | N/A | No |
|  | 20251045 |  |  |  | 33607280 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception is approved for use of cash out proceeds to be used for escrow waiver reserves based on the [Redacted] guidelines. | Borrower has owned the subject property for at least [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted]points. | [Redacted] months reserves.<br>LTV is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-11): Lender exception in file. |  |  | 06/11/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 20251081 |  |  |  | 33607361 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to allow 3 rent payments being paid by cash contingent upon Borrower maintaining [Redacted] month reserves, Max [Redacted]% DTI and Max [Redacted]% LTV.. Approval in file. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted]K residual income<br>[Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-11): Lender exception in file. |  |  | 06/11/2025 | 2 B |  | NJ | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20251090 |  |  |  | 33614062 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-10): Sufficient Cure Provided At Closing |  | 06/10/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 20251090 |  |  |  | 33617596 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to allow 7 [Redacted] in past 12 months contingent on Max [Redacted]% DTI and [Redacted] months reserves. Approval in file. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | $[Redacted] residual income. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-11): Lender exception in file. |  |  | 06/11/2025 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20251075 |  |  |  | 33634276 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-12): Sufficient Cure Provided At Closing |  | 06/12/2025 |  | 1 A |  | VA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20251075 |  |  |  | 33634277 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-12): Sufficient Cure Provided At Closing |  | 06/12/2025 |  | 1 A |  | VA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20251093 |  |  |  | 33639490 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-12): Sufficient Cure Provided At Closing |  | 06/12/2025 |  | 1 A |  | MD | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20251196 |  |  |  | 33635865 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for 1 additional [Redacted]. Approval provided. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | $[Redacted] residual income.<br>[Redacted] months reserves.<br>LTV/CLTV is [Redacted]% below guideline max.<br>LTV/CLTV is [Redacted]% below guideline max.<br>DTI is [Redacted]% below guideline max. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-13): Lender exception in file. |  |  | 06/13/2025 | 2 B |  | NY | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 20251199 |  |  |  | 33655323 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to allow an employee of an approved broker to finance a NOO property. Approval in file. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted]points. | The LTV is [Redacted]% below guideline max.<br>The fico is [Redacted] points above guideline minimum. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-16): Lender exception in file. |  |  | 06/16/2025 | 2 B |  | CT | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20251083 |  |  |  | 33655562 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to allow use of a 1 repository pull for soft pull/credit refresh in lieu of [Redacted] UDM report. Approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] month reserves<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-16): Lender exception in file. |  |  | 06/16/2025 | 2 B |  | NY | Investment | Purchase | B A |  | N/A | No |
|  | 20251109 |  |  |  | 33654293 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-13): Sufficient Cure Provided At Closing |  | 06/13/2025 |  | 1 A |  | MS | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20251217 |  |  |  | 33656368 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Please verify policy has [Redacted]% replacement coverage. |  |  |  | Reviewer Comment (2025-07-01): Received and Associated Replacement Cost Estimator document with [Redacted]% Replacement Cost. Exception cleared.<br>Seller Comment (2025-06-27): Attached a Processor Cert, our processor spoke to an agent who informed us that the policy has [Redacted]% replacement costs.<br>Reviewer Comment (2025-06-25): The [Redacted]% ordinance or law is not add'l dwelling coverage, exception remains.<br>Seller Comment (2025-06-20): The hazard insurance coverage amount is sufficient, The policy is on page [Redacted] of [Redacted] and it includes an extra [Redacted]% of coverage. The underwriter completed the [Redacted] HOI Calculator that you can find on page [Redacted] of [Redacted] which verifies we are within the required amount. | 07/01/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251106 |  |  |  | 33675998 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for use of 12 month variable income history for child support. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | [Redacted] years in same industry<br>Same job [Redacted]+ years<br>[Redacted] months reserves. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-17): Lender exception in file. |  |  | 06/17/2025 | 2 B |  | MA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 20251079 |  |  |  | 33709742 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing 12 months rental history for current primary. |  |  |  | Reviewer Comment (2025-07-10): Documentation provided; exception cleared.<br>Seller Comment (2025-07-08): [Redacted] Rental payment attached which would make the 12 months needed for the VOR<br>Reviewer Comment (2025-06-26): [Redacted] months provided, exception remains.<br>Seller Comment (2025-06-24): The 12 month rental history / proof of payments can be found on page [Redacted] of [Redacted]. Please Cancel. | 07/10/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251210 |  |  |  | 33723385 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for used of Alt income with less than one year service at current employer. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted] residual income.<br>Fico is [Redacted]points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-23): Lender exception in file. |  |  | 06/23/2025 | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20251209 |  |  |  | 33759051 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for use of [Redacted]% of business funds. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-27): Lender exception in file. |  |  | 06/27/2025 | 2 B |  | NJ | Investment | Purchase | B A |  | N/A | No |
|  | 20251098 |  |  |  | 33787559 |  | 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 ___. | Max LTV is [Redacted]%, lender exception provided to use updated guidelines that allow [Redacted]% LTV with .[Redacted] DSCR. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-26): Lender exception in file. |  |  | 06/26/2025 | 2 B |  | NY | Investment | Purchase | B A |  | N/A | No |
|  | 20251421 |  |  |  | 33733786 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved to use personal and business bank accounts. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | $[Redacted] residual income.<br>[Redacted] months reserves. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-25): Lender exception in file. |  |  | 06/25/2025 | 2 B |  | VA | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20251088 |  |  |  | 33732861 |  | 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 page 2. | Final Closing Disclosure [Redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. A Seller's closing Disclosure was not provided. |  |  |  | Reviewer Comment (2025-07-02): [Redacted] received ALTA final settlement statement for seller paid fees.<br>Seller Comment (2025-07-01): [Redacted] - Entered comments in [Redacted]. Uploaded Alta Settlement Statement Combined - executed by all parties - borrower, escrow officer and sellers. Please review and clear.<br>Reviewer Comment (2025-07-01): [Redacted]: The provided closing statement is not signed by the borrower and escrow officer, please provide a signed closing statement.<br>Seller Comment (2025-06-30): [Redacted] - Entered comments in [Redacted]. Uploaded Alta Settlement Statement Combined to [Redacted] showing Seller Paid Fees. Please review and clear. | 07/02/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20251091 |  |  |  | 33737813 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-24): Sufficient Cure Provided At Closing |  | 06/24/2025 |  | 1 A |  | CA | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20250913 |  |  |  | 33726815 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed. | Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed. |  |  |  | Reviewer Comment (2025-04-24): [Redacted] Received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-04-23): LOE and PCCD |  | 04/24/2025 |  | 2 C B |  | CA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
|  | 20250913 |  |  |  | 33726817 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing complete 12 month housing history for borrower's primary. ([Redacted] months mortgage/[Redacted] months rental). |  |  |  | Reviewer Comment (2025-05-20): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-20): Borrower does not have [Redacted] [Redacted]payment, since it was refinanced in [Redacted]. We uploaded [Redacted]- [Redacted][Redacted]reflecting [Redacted] months.<br>Reviewer Comment (2025-05-20): If you can show [Redacted][Redacted]payment was made on time, we will have [Redacted] months history.<br>Buyer Comment (2025-05-16): Rent payments [Redacted][Redacted] through [Redacted][Redacted]<br>Reviewer Comment (2025-05-16): The credit supplement already includes [Redacted] and [Redacted]. We have [Redacted] months verified. [Redacted] thru [Redacted].<br>Buyer Comment (2025-05-14): Additional assets for reserves.<br>Buyer Comment (2025-05-14): Rent free letter [Redacted] and [Redacted] .<br>Reviewer Comment (2025-04-28): Provide housing history for most recent 12 months, exception remains.<br>Buyer Comment (2025-04-24): Housing history. | 05/20/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 20250913 |  |  |  | 33726818 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | Insufficient assets verified to meet reserve requirement. |  |  |  | Reviewer Comment (2025-05-16): Additional assets provided, exception cleared.<br>Buyer Comment (2025-05-14): Additional assets for reserves. | 05/16/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 20250913 |  |  |  | 33726819 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide an updated final 1003 reflecting the additional assets being used. ([Redacted]) |  |  |  | Reviewer Comment (2025-05-20): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-16): 1003 | 05/20/2025 |  |  | 1 A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 20250925 |  |  |  | 33726837 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-29): Sufficient Cure Provided At Closing |  | 04/29/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20250942 |  |  |  | 33726839 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed. | The final CD, page 4, did not indicate any amount for the "Non-Escrowed Property Costs over Year 1"; however, the appraisal indicates HOA dues of $[Redacted]/mo which should have been reflected in this section. |  |  |  | Reviewer Comment (2025-05-27): [Redacted] received additional documentation confirm HOA is reimbursed and not paid by borrower<br>Buyer Comment (2025-05-23): See Uploaded HOA Rider and LOX | 05/27/2025 |  |  | 1 C A |  | UT | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
|  | 20250940 |  |  |  | 33726873 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower at least three business days prior to closing. |  |  |  | Reviewer Comment (2025-05-16): [Redacted] received [Redacted] CD 3 business days prior to consummation.<br>Buyer Comment (2025-05-15): See uploaded Initial CD | 05/16/2025 |  |  | 1 C A |  | PA | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
|  | 20250940 |  |  |  | 33726874 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-27): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-05-27): See Uploaded Cleared Check verifying Delivery<br>Reviewer Comment (2025-05-22): [Redacted] received copy of refund check but proof of mailing is required. We are unable to track the delivery from the provided details. Please provide tracking ID or borrower confirmation for the receipt of check.<br>Buyer Comment (2025-05-21): Documents were uploaded [Redacted]. Page numbers are [Redacted], [Redacted], [Redacted].<br>Reviewer Comment (2025-05-21): [Redacted] received PCCD with adjusted transfer tax amount however, missing copy of refund check proof of mailing to cure this exception.<br>Buyer Comment (2025-05-20): See Uploaded Refund Check, LOX and PCCD<br>Reviewer Comment (2025-05-16): [Redacted] Received COC dated [Redacted] states transfer tax increased due to increased purchase price; however, there is no change in Purchase price compared to last LE dated [Redacted]. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-05-15): See Uploaded LE dated [Redacted], COC and LOX for CoC |  | 05/27/2025 |  | 2 C B |  | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 20251001 |  |  |  | 33726876 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of [Redacted] on Final Closing Disclosure provided on [Redacted] are underdisclosed. | Loan Disclosures: Non Escrowed Property Costs over Year 1 of [Redacted] on Final Closing Disclosure provided on [Redacted] are underdisclosed. HOA fees were not shown. |  |  |  | Reviewer Comment (2025-06-04): [Redacted] received corrected PCCD and LOE<br>Buyer Comment (2025-06-03): See uploaded Cover letter and Proof of Mailing<br>Reviewer Comment (2025-05-30): [Redacted] received PCCD, but LOE is missing. Please provide copy of LOE sent to borrower and proof of mailing to complete cure.<br>Buyer Comment (2025-05-30): See uploaded PCCD with corrected page [Redacted] reflecting the non-escrowed property costs |  | 06/04/2025 |  | 2 C B |  | SC | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
|  | 20250966 |  |  |  | 33726895 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to use the K-1 income when the borrower has been employed by the company less than 2 years. Approval in file. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted]residual income<br>[Redacted] months reserves.<br>DTI is [Redacted] % below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-20): Lender exception in file. |  |  | 05/20/2025 | 2 B |  | IL | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20250966 |  |  |  | 33726900 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Most recent tax returns provided are from 2023. |  |  |  | Buyer Comment (2025-05-30): Accept as is. tax returns in file for [Redacted]. Tax Extension was filed timely for [Redacted] and prior to closing<br>Reviewer Comment (2025-05-30): Please accept as is.<br>Buyer Comment (2025-05-27): See docs provided |  |  | 05/30/2025 | 2 B |  | IL | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20251026 |  |  |  | 33726923 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing 12 month rental history for [Redacted]. |  |  |  | Reviewer Comment (2025-06-04): Documentation provided; exception cleared.<br>Reviewer Comment (2025-06-02): Received 1003 is Unsigned. Please provide Corrected and signed final 1003 document. Exception remains.<br>Buyer Comment (2025-05-30): Please see corrected 1003 for updated address that IS reflected on credit report. | 06/04/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250984 |  |  |  | 33726938 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Most Recent tax transcript is missing |  |  |  | Buyer Comment (2025-06-06): Accepted as is: Tax returns in file for [Redacted] . Tax extension was filed timely for [Redacted] and prior to closing<br>Reviewer Comment (2025-06-05): Please accept level 2 exception "as is".<br>Buyer Comment (2025-06-03): Copy of [Redacted] extension attached |  |  |  | 2 B |  | CO | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20250984 |  |  |  | 33726939 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Most Recent tax transcript is missing |  |  |  | Buyer Comment (2025-06-06): Accepted as is: Tax returns in file for [Redacted]. Tax extension was filed timely for [Redacted] and prior to closing<br>Reviewer Comment (2025-06-05): Please accept level 2 exception "as is".<br>Buyer Comment (2025-06-03): Copy of [Redacted] extension attached |  |  |  | 2 B |  | CO | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20251006 |  |  |  | 33726943 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Initial Rate Lock Date not provided |  |  |  | Reviewer Comment (2025-05-30): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-28): See completed Rate Lock and Loan Estimate dated [Redacted] | 05/30/2025 |  |  | 1 B A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251006 |  |  |  | 33726945 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Earliest Initial Closing Disclosure is dated [Redacted] which is not at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-05-29): [Redacted] received initial CD.<br>Buyer Comment (2025-05-28): See uploaded Initial CD | 05/29/2025 |  |  | 1 C A |  | PA | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
|  | 20251006 |  |  |  | 33726947 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2025-06-05): [Redacted] received PCCD, LOE, proof of mailing and copy of refund check.<br>Reviewer Comment (2025-06-04): [Redacted] received Corrected CD, LOE to borrower, copy of cure refund and proof of mailing. The [Redacted] tracking does not reflect the package has been picked up by carrier. Please provide proof when picked up to finalize cure.<br>Buyer Comment (2025-06-03): See Uploaded PCCD, Refund Check, LOX and Proof of Mailing<br>Reviewer Comment (2025-06-03): [Redacted] received COC and LOE from LO but as described the communication received from title is not available in file to verify the timing and information received. Also, please provide more information on reclassification of property received by the county recorder's office.<br>Buyer Comment (2025-06-02): See uploaded CoC and LOX for CoC<br>Reviewer Comment (2025-05-29): [Redacted] received Changed Circumstance dated [Redacted], but it does not give sufficient information on why the transfer fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-05-28): See Uploaded Initial CD, Loan Estimate, PCCD and LOX from lender |  | 06/05/2025 |  | 2 C B |  | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 20250976 |  |  |  | 33726949 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | [Redacted] tax returns in file are not the most recent returns. |  |  |  | Buyer Comment (2025-06-09): Accept as is.<br>Reviewer Comment (2025-06-09): Please accept " as is".<br>Buyer Comment (2025-06-05): Business and personal tax extension |  |  |  | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20250976 |  |  |  | 33726950 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | [Redacted] tax returns in file are not the most recent returns. |  |  |  | Buyer Comment (2025-06-09): Accept as is.<br>Reviewer Comment (2025-06-09): Please accept " as is".<br>Buyer Comment (2025-06-05): Tax extension uploaded to [Redacted] |  |  |  | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20250976 |  |  |  | 33726951 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | [Redacted] tax returns in file are not the most recent returns. |  |  |  | Buyer Comment (2025-06-09): Accept as is.<br>Reviewer Comment (2025-06-09): Please accept " as is".<br>Buyer Comment (2025-06-05): Tax extension uploaded to [Redacted] |  |  |  | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20250976 |  |  |  | 33726952 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-23): Sufficient Cure Provided At Closing |  | 05/23/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 20251054 |  |  |  | 33726991 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is blank. A Final Policy was not provided. |  |  |  | Reviewer Comment (2025-06-05): Received Escrow Instruction verify the Title Policy amount of $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-06-03): See Uploaded Title/Escrow instructions | 06/05/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251054 |  |  |  | 33726992 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to use Insurable Value on master policy in lieu of the Replacement Cost Estimate. | Borrower has been employed in the same industry for more than [Redacted]years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>LTV/CLTV is [Redacted]% below guideline max.<br>LTV/CLTV is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-30): Lender exception in file. |  |  | 05/30/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251054 |  |  |  | 33726993 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | If borrower rents from a private landlord, cancelled checks or bank statements are required. |  |  |  | Reviewer Comment (2025-06-03): 12 months of canceled rent checks were provided.<br>Buyer Comment (2025-05-30): See Uploaded 12 months rent checks<br>Buyer Comment (2025-05-30): 12 months rent checks | 06/03/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251054 |  |  |  | 33726994 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing an LOE for the gap of employment between [Redacted] and [Redacted]. | Borrower has been employed in the same industry for more than [Redacted]years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>LTV/CLTV is [Redacted]% below guideline max.<br>LTV/CLTV is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-10): Lender exception in file.<br>Buyer Comment (2025-06-10): Please see attached Approved Exception to waive letter of explanation for gap in employment > [Redacted] days in past [Redacted] months. Borrower was in the same position as a [Redacted] from [Redacted] to [Redacted] with their previous company. Only base income is being used for qualifying.<br>Buyer Comment (2025-06-10): please approve attached exception "As-Is" |  |  | 06/10/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20250938 |  |  |  | 33726997 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower at least three business days prior to closing. |  |  |  | Reviewer Comment (2025-06-10): [Redacted] received CD dated [Redacted]<br>Buyer Comment (2025-06-09): See Uploaded Initial CD | 06/10/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
|  | 20250938 |  |  |  | 33726998 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-06-04): Received and associated E-Sign Consent Agreement document. Exception cleared.<br>Buyer Comment (2025-06-03): See Uploaded E-Sign Consent | 06/04/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250938 |  |  |  | 33727000 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a third party verification dated within 30 days prior to the Note date. Internet listings in file are not dated. |  |  |  | Reviewer Comment (2025-06-10): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-06): See Uploaded 3rd Party Review dated [Redacted] | 06/10/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250928 |  |  |  | 33727006 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception provided to waive escrows with [Redacted] FICO. Borrower does not meet the minimum FICO score of [Redacted], but LTV, DTI, and reserve requirements are all met. Current primary owned free and clear. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | $[Redacted] residual income.<br>[Redacted] months reserves.<br>LTV/CLTV is [Redacted]% below guideline max.<br>LTV/CLTV is [Redacted]% below guideline max.<br>DTI is [Redacted]% below guideline max. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-30): Lender exception in file. |  |  | 05/30/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20250928 |  |  |  | 33727008 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2025-06-05): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-06-04): See Uploaded PCCD, LOX, Refund Check and Proof of Mailing |  | 06/05/2025 |  | 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 | Non QM | Yes |
|  | 20251077 |  |  |  | 33727058 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-04): Sufficient Cure Provided At Closing |  | 06/04/2025 |  | 1 A |  | IN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20251022 |  |  |  | 33727060 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Missing verification of employment dated within 10 business days prior to closing for [Redacted] and [Redacted]. |  |  |  | Reviewer Comment (2025-06-20): Documentation provided; exception cleared.<br>Reviewer Comment (2025-06-18): The vvoe provided did not answer the question as to whether the borrower is currently employed, exception remains.<br>Buyer Comment (2025-06-16): See uploaded VVOE from City of [Redacted]<br>Reviewer Comment (2025-06-12): VVOE provided for [Redacted], however still missing vvoe for [Redacted] from City of [Redacted], exception remains.<br>Buyer Comment (2025-06-10): See uploaded VVOE | 06/20/2025 |  |  | 1 B A C |  | OR | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
|  | 20251022 |  |  |  | 33727061 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | Missing verification of employment dated within 10 business days prior to closing. |  |  |  | Reviewer Comment (2025-06-12): VVOE provided for [Redacted], exception cleared.<br>Buyer Comment (2025-06-10): See Uploaded VVOE attached to condition #[Redacted] | 06/12/2025 |  |  | 1 C A |  | OR | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251022 |  |  |  | 33727062 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | Missing verification of employment dated within 10 business days prior to closing for [Redacted]. |  |  |  | Reviewer Comment (2025-06-20): Documentation provided; exception cleared.<br>Reviewer Comment (2025-06-18): The vvoe provided did not answer the question as to whether the borrower is currently employed, exception remains.<br>Buyer Comment (2025-06-16): See uploaded VVOE from City of [Redacted] attached to condition #[Redacted]<br>Reviewer Comment (2025-06-12): VVOE provided for [Redacted], however still missing vvoe for [Redacted] from City of [Redacted], exception remains.<br>Buyer Comment (2025-06-10): See Uploaded VVOE attached to condition #[Redacted] | 06/20/2025 |  |  | 1 C A |  | OR | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251022 |  |  |  | 33727064 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied. Missing verification of employment for Borrowers [Redacted] and [Redacted]. |  |  |  | Reviewer Comment (2025-06-20): Documentation provided; exception cleared. | 06/20/2025 |  |  | 1 A |  | OR | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251022 |  |  |  | 33727065 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  |  |  |  |  | Reviewer Comment (2025-06-12): VVOE provided for[Redacted], exception cleared.<br>Buyer Comment (2025-06-10): See Uploaded VVOE attached to condition #[Redacted] | 06/12/2025 |  |  | 1 C A |  | OR | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251022 |  |  |  | 33727066 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | . |  |  |  | Reviewer Comment (2025-06-20): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-20): VOE verifying currently employed uploaded<br>Reviewer Comment (2025-06-18): The vvoe provided did not answer the question as to whether the borrower is currently employed, exception remains.<br>Buyer Comment (2025-06-16): See uploaded VVOE from City of [Redacted] attached to condition #[Redacted]<br>Reviewer Comment (2025-06-12): VVOE provided for [Redacted], however still missing vvoe for [Redacted] from City of [Redacted], exception remains.<br>Buyer Comment (2025-06-10): See Uploaded VVOE attached to condition #[Redacted] | 06/20/2025 |  |  | 1 C A |  | OR | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251058 |  |  |  | 33727071 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | Waterfall due to Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. |  |  |  | Reviewer Comment (2025-06-17): HOEPA cure documentation received.<br>Buyer Comment (2025-06-13): Borrower Choice letter attached<br>Reviewer Comment (2025-06-10): Missing borrower choice letter, exception remains.<br>Buyer Comment (2025-06-09): See Uploaded PCCD, LOE, Refund Check and Proof of Mailing attached to condition #[Redacted] | 06/17/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251058 |  |  |  | 33727072 |  | 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 | Waterfall due to Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. |  |  |  | Reviewer Comment (2025-06-17): HOEPA cure documentation received.<br>Buyer Comment (2025-06-13): Borrower choice letter attached<br>Reviewer Comment (2025-06-10): Missing borrower choice letter, exception remains.<br>Buyer Comment (2025-06-09): See Uploaded PCCD, LOE, Refund Check and Proof of Mailing attached to condition #[Redacted] | 06/17/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251058 |  |  |  | 33727073 |  | 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. | Waterfall due to Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. |  |  |  | Reviewer Comment (2025-06-17): HOEPA cure documentation received.<br>Buyer Comment (2025-06-13): Borrower Choice letter attached<br>Reviewer Comment (2025-06-10): Missing borrower choice letter, exception remains.<br>Buyer Comment (2025-06-09): See Uploaded PCCD, LOE, Refund Check and Proof of Mailing attached to condition #[Redacted] | 06/17/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251058 |  |  |  | 33727075 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower at least three business days prior to closing. |  |  |  | Reviewer Comment (2025-06-09): [Redacted] received initial CD.<br>Buyer Comment (2025-06-06): See Uploaded Initial CD | 06/09/2025 |  |  | 1 C A |  | PA | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
|  | 20251058 |  |  |  | 33727077 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-12): [Redacted] received LE and VCC.<br>Reviewer Comment (2025-06-10): [Redacted] received cure documents for $[Redacted], however cure required for [Redacted]% tolerance is $[Redacted]($[Redacted]for loan discount points & $[Redacted]for loan origination fee). A valid Changed Circumstance or additional cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-06-09): See Uploaded PCCD, LOE, Refund Check and Proof of Mailing attached to condition #[Redacted] | 06/12/2025 |  |  | 1 C A |  | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 20251058 |  |  |  | 33727078 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-12): [Redacted] received LE and VCC.<br>Reviewer Comment (2025-06-10): [Redacted] received cure documents for $[Redacted], however cure required for 0% tolerance is $[Redacted]($[Redacted]for loan discount points & $[Redacted]for loan origination fee). A valid Changed Circumstance or additional cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-06-09): See Uploaded PCCD, LOE, Refund Check and Proof of Mailing attached to condition #[Redacted] | 06/12/2025 |  |  | 1 C A |  | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 20251058 |  |  |  | 33727079 |  | 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. | 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] |  |  |  | Reviewer Comment (2025-06-17): Cure documentation received.<br>Buyer Comment (2025-06-13): Borrower Choice letter attached<br>Reviewer Comment (2025-06-10): Missing borrower choice letter, exception remains.<br>Buyer Comment (2025-06-09): See Uploaded PCCD, LOE, Refund Check and Proof of Mailing attached to condition #[Redacted] |  | 06/17/2025 |  | 2 C B |  | PA | 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 B | Non QM | Non QM | Yes |
|  | 20251058 |  |  |  | 33727080 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing third party verification of business dated within 30 days prior to the Note date. |  |  |  | Reviewer Comment (2025-06-10): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-09): See uploaded CPA letter provided as 3rd party verification within [Redacted] days of the Note. | 06/10/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251058 |  |  |  | 33727081 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing evidence of access to business funds for closing. |  |  |  | Reviewer Comment (2025-06-10): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-06): See Uploaded CPA letter verifying use of Business Assets | 06/10/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251058 |  |  |  | 33727082 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Insufficient assets verified to meet reserve requirement. |  |  |  | Reviewer Comment (2025-06-12): Per the client email, borrower gave a cashier check in the amount of $[Redacted] for closing as reflected on [Redacted] bank statement in the amount of $[Redacted] . Email uploaded in file for reference.<br>Reviewer Comment (2025-06-10): Borrower still short reserves, exception remains.<br>Reviewer Comment (2025-06-10): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted].<br>Buyer Comment (2025-06-06): See Uploaded CPA letter verifying use of Business Assets<br>Buyer Comment (2025-06-06): See CPA letter verifying use of Business Assets uploaded to condition #[Redacted] | 06/12/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251058 |  |  |  | 33727083 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient assets verified to meet reserve requirement. |  |  |  | Reviewer Comment (2025-06-12): Per the client email, borrower gave a cashier check in the amount of $[Redacted] for closing as reflected on [Redacted] bank statement in the amount of $[Redacted]. Email uploaded in file for reference.<br>Reviewer Comment (2025-06-10): Borrower still short reserves, exception remains.<br>Buyer Comment (2025-06-09): See Uploaded PCCD, LOE, Refund Check and Proof of Mailing<br>Buyer Comment (2025-06-06): See Uploaded CPA letter verifying use of Business Assets<br>Buyer Comment (2025-06-06): See CPA letter verifying use of Business Assets uploaded to condition #[Redacted] | 06/12/2025 |  |  | 1 B A C |  | PA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 20251058 |  |  |  | 33727084 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient assets verified to meet reserve requirement. |  |  |  | Reviewer Comment (2025-06-12): Per the client email, borrower gave a cashier check in the amount of $[Redacted] for closing as reflected on [Redacted] bank statement in the amount of $[Redacted]. Email uploaded in file for reference.<br>Reviewer Comment (2025-06-10): Borrower still short reserves, exception remains.<br>Buyer Comment (2025-06-06): See Uploaded CPA letter verifying use of Business Assets<br>Buyer Comment (2025-06-06): See CPA letter verifying use of Business Assets uploaded to condition #[Redacted] | 06/12/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251092 |  |  |  | 33727088 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-19): [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-06-18): See Uploaded Refund Check, Refund LOX, PCCD and Proof of Mailing |  | 06/19/2025 |  | 2 C B |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 20251104 |  |  |  | 33727104 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow 1 missing cancelled mortgage check due to the private lender losing the check. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | $[Redacted]residual income.<br>DTI is [Redacted]% below guideline max. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-10): Lender exception in file. |  |  | 06/10/2025 | 2 B |  | MA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 20251104 |  |  |  | 33727105 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to waive 12 month cash-out seasoning due to the fact borrower took out separate mortgages less than 12 months ago to complete subject property. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | $[Redacted]residual income.<br>DTI is [Redacted]% below guideline max. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-10): Lender exception in file. |  |  | 06/10/2025 | 2 B |  | MA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 20251203 |  |  |  | 33727134 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception is approved for used of three year average for borrower's bonus income. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted] residual income.<br>[Redacted] months reserves.<br>DTI is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-12): Lender exception in file. |  |  | 06/12/2025 | 2 B |  | NJ | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20251402 |  |  |  | 33727137 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | File is missing a copy of Fraud Report |  |  |  | Reviewer Comment (2025-06-16): Received and associated Fraud Report document. Exception cleared.<br>Buyer Comment (2025-06-12): Fraud report | 06/16/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250958 |  |  |  | 33727165 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2025-05-20): Received and associated Corporate Resolution for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-05-16): See docs provided | 05/20/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 20250958 |  |  |  | 33727166 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for 22 Financed properties. Approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-21): Lender exceptions in file.<br>Buyer Comment (2025-05-19): See doc provided |  |  | 05/21/2025 | 2 C B |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 20250923 |  |  |  | 33727168 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The 442 in file does not state the required foundation inspection was completed, and foundation inspection not in file. |  |  |  | Reviewer Comment (2025-05-27): A Foundation Inspection was provided<br>Buyer Comment (2025-05-22): See foundation inspection | 05/27/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20251040 |  |  |  | 33727178 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception is approved to allow [Redacted]% LTV with DSCR of [Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-22): Lender exception in file. |  |  | 05/22/2025 | 2 B |  | CT | Investment | Purchase | B A |  | N/A | No |
|  | 20251069 |  |  |  | 33727207 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception for condotel investor concentration/occupancy breakdown is approved. Loan registered prior to [Redacted] guideline change which now allows for non-warrantable condotels to have up to [Redacted]% investor concentration. We are unable to obtain accurate ownership breakdown of project from HOA. | 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. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-04): Lender exception in file.<br>Buyer Comment (2025-06-02): See uploaded condo questionnaire for ownership breakdown of project. |  |  | 06/04/2025 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 20251069 |  |  |  | 33727209 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for seller employee loan. | 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. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-02): Lender exception in file. |  |  | 06/02/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 20251069 |  |  |  | 33727210 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to verify if there are any single entity ownership, lender exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-02): Lender exception in file. |  |  | 06/02/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 20250977 |  |  |  | 33727212 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception is approved for documentation of payment history on the subject property mortgage. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC | Reviewer Comment (2025-06-03): Exception approved with comp factors. |  |  | 06/03/2025 | 2 B |  | UT | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20251392 |  |  |  | 33727233 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing evidence of access to business funds and borrower's percentage of business ownership. |  |  |  | Reviewer Comment (2025-06-19): Received and associated Evidence of Access to Funds with Ownership percentage stating that use of business funds will not have a negative impact on the business. Exception cleared.<br>Buyer Comment (2025-06-17): Ownership and business funds access uploaded to [Redacted] | 06/19/2025 |  |  | 1 C A |  | AZ | Investment | Purchase | C A |  | N/A | No |
|  | 20251392 |  |  |  | 33727234 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | Missing borrower's percentage of business ownership for use of business funds. |  |  |  | Reviewer Comment (2025-06-19): Received and associated Evidence of Access to Funds with Ownership percentage stating that use of business funds will not have a negative impact on the business. Exception cleared.<br>Buyer Comment (2025-06-17): Ownership and business funds access uploaded to [Redacted] | 06/19/2025 |  |  | 1 C A |  | AZ | Investment | Purchase | C A |  | N/A | No |
|  | 20251392 |  |  |  | 33727235 |  | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. |  | Missing borrower's percentage of business ownership for use of business funds. |  |  |  | Reviewer Comment (2025-06-19): Received and associated Evidence of Access to Funds with Ownership percentage stating that use of business funds will not have a negative impact on the business. Exception cleared.<br>Buyer Comment (2025-06-17): Ownership and business funds access. | 06/19/2025 |  |  | 1 C A |  | AZ | Investment | Purchase | C A |  | N/A | No |
|  | 20251392 |  |  |  | 33727236 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing borrower's percentage of business ownership for use of business funds. |  |  |  | Reviewer Comment (2025-06-19): Received and associated Evidence of Access to Funds with Ownership percentage stating that use of business funds will not have a negative impact on the business. Exception cleared.<br>Buyer Comment (2025-06-17): Ownership and business funds access uploaded to [Redacted] | 06/19/2025 |  |  | 1 C A |  | AZ | Investment | Purchase | C A |  | N/A | No |
|  | 20251361 |  |  |  | 33727239 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please verify subject is 2 acres or less. |  |  |  | Reviewer Comment (2025-06-18): Appraisal reflects [Redacted] acres, Per client, and lease agreement, borrower owns [Redacted]th of property.<br>Buyer Comment (2025-06-18): The total acreage of the property is [Redacted], however, subject transaction is not being leased all [Redacted] acres. See lease from leasehold agreement.<br>Reviewer Comment (2025-06-17): The appraisal reflects [Redacted] acres, please advise.<br>Buyer Comment (2025-06-16): Please see leasehold documents for calculation of correct taxes as well as dimensions of property allotted for this home. | 06/18/2025 |  |  | 1 A |  | CA | Investment | Purchase | A |  | N/A | No |
|  | 20251019 |  |  |  | 33727254 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for new construction condotel with no separate bedroom. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted] %.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted]points. | [Redacted] months reserves.<br>LTV/CLTV is [Redacted]% below guideline max.<br>LTV/CLTV is [Redacted]% below guideline max.<br>DTI is [Redacted]% below guideline max.<br>Fico is [Redacted]points above guideline minimum. | SitusAMC<br>SitusAMC,Originator<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-30): Lender exceptions in file. |  |  | 05/30/2025 | 2 B |  | UT | Investment | Purchase | C B A |  | N/A | No |
|  | 20251019 |  |  |  | 33727255 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing source of EMD. |  |  |  | Reviewer Comment (2025-06-18): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-18): Please review wire statement again - the funds were wired [Redacted] account ending [Redacted]. The originated FROM [Redacted][Redacted]. [Redacted] statement was previously submitted with file. You can see this under "originating bank" on the wire documents provided.<br>Reviewer Comment (2025-06-10): Received Wire Confirmation is showing payment Made on [Redacted] on account number ending#[Redacted]. Please provide bank statement for account number ending#[Redacted]showing EMD$[Redacted]. Exception Remains<br>Buyer Comment (2025-06-06): See docs for simultaneous close | 06/18/2025 |  |  | 1 C A |  | UT | Investment | Purchase | C B A |  | N/A | No |
|  | 20251019 |  |  |  | 33727256 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing source of EMD. |  |  |  | Reviewer Comment (2025-06-18): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-18): Please review wire statement again - the funds were wired [Redacted] account ending [Redacted]. The originated FROM [Redacted]. [Redacted] statement was previously submitted with file. You can see this under "originating bank" on the wire documents provided.<br>Reviewer Comment (2025-06-10): Received Wire Confirmation is showing payment Made on [Redacted] on account number ending#[Redacted]. Please provide bank statement for account number ending#[Redacted]showing EMD$[Redacted]. Exception Remains<br>Buyer Comment (2025-06-06): See docs for simultaneous close | 06/18/2025 |  |  | 1 C A |  | UT | Investment | Purchase | C B A |  | N/A | No |
|  | 20251074 |  |  |  | 33764046 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved to use borrower obtained transcripts due to timing. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Same industry [Redacted] yrs<br>Fico is [Redacted]points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-27): Lender exception in file. |  |  | 06/27/2025 | 2 B |  | NJ | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20251114 |  |  |  | 33787403 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Cash out seasoning less than 6 months, lender exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted]points. | [Redacted]months reserves.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-27): Lender exception in file. |  |  | 06/27/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 20251374 |  |  |  | 33783039 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-26): Sufficient Cure Provided At Closing |  | 06/26/2025 |  | 1 A |  | MD | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20251349 |  |  |  | 33794426 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved to allow layered entity with borrower controlling [Redacted]%. | Borrower has owned the subject property for at least [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | [Redacted]months reserves<br>LTV is [Redacted]% below guideline max. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-01): Lender exception in file. |  |  | 07/01/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 20251349 |  |  |  | 33794428 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for unit without a separate bedroom. | Borrower has owned the subject property for at least [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | [Redacted]months reserves<br>LTV is [Redacted]% below guideline max. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-01): Lender exception in file. |  |  | 07/01/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 20251220 |  |  |  | 33864991 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to allow escrow waiver with credit score of [Redacted]. Approval in file | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrower has owned the subject property for at least [Redacted] years.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Over [Redacted] months of reserves. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-08): The client elects to waive. |  |  | 07/08/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 20251347 |  |  |  | 33826820 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. |  |  |  | Reviewer Comment (2025-07-25): Documentation provided; exception cleared.<br>Seller Comment (2025-07-23): See attached bank statement printout sowing EMD being withdrawn from account. Please cancel<br>Reviewer Comment (2025-07-23): The EMD in the amount of $[Redacted] is not sourced. Provide source of EMD. The receipt shows it came from a [Redacted] business account on [Redacted], however the [Redacted] account in file does not reflect the withdrawal on [Redacted].<br>Seller Comment (2025-07-21): As of [Redacted] #[Redacted] borrower had $[Redacted] in available asset, CTC was $[Redacted] and [Redacted] months reserves would be $[Redacted]. CTC and reserves equals $[Redacted]. Borrower has over [Redacted] months reserves. | 07/25/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251347 |  |  |  | 33826832 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2025-07-25): Documentation provided; exception cleared.<br>Seller Comment (2025-07-23): Waterfall to [Redacted]<br>Reviewer Comment (2025-07-23): The EMD in the amount of $[Redacted] is not sourced. Provide source of EMD. The receipt shows it came from a [Redacted] business account on [Redacted], however the [Redacted] account in file does not reflect the withdrawal on [Redacted].<br>Seller Comment (2025-07-21): Waterfall to [Redacted] | 07/25/2025 |  |  | 1 B A C |  | MA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 20251347 |  |  |  | 33826833 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2025-07-25): Documentation provided; exception cleared.<br>Seller Comment (2025-07-23): Waterfall to [Redacted]<br>Reviewer Comment (2025-07-23): The EMD in the amount of $[Redacted] is not sourced. Provide source of EMD. The receipt shows it came from a [Redacted] business account on [Redacted], however the [Redacted] account in file does not reflect the withdrawal on [Redacted].<br>Seller Comment (2025-07-21): Waterfall to [Redacted] | 07/25/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251017 |  |  |  | 33823673 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in the file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-06-09): Received and associated Title Final with title policy amount $[Redacted]. Exception cleared.<br>Buyer Comment (2025-06-06): See docs provided | 06/09/2025 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20251017 |  |  |  | 33823674 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-06-09): Received and associated Title Final with title policy amount $[Redacted]. Exception cleared. | 06/09/2025 |  |  | 1 A |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20251017 |  |  |  | 33823675 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The COC dated [Redacted] does not provide sufficient information what new requirement received by investor that required the 2nd appraisal. Also, if there is change in any investor please provide sufficient information to validate the same. |  |  |  | Reviewer Comment (2025-06-27): [Redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-06-26): See cure docs provided |  | 06/27/2025 |  | 2 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 | Non QM | Yes |
|  | 20251037 |  |  |  | 33823692 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-06-13): Received and associated Title Final with title policy amount $[Redacted]. Exception cleared. | 06/13/2025 |  |  | 1 A |  | CA | Primary | Purchase | C A B | Non QM | Non QM | No |
|  | 20251037 |  |  |  | 33823693 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is blank. A Final policy was not provided. |  |  |  | Reviewer Comment (2025-06-13): Received and associated Title Final with title policy amount $[Redacted]. Exception cleared.<br>Buyer Comment (2025-06-11): See docs provided | 06/13/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C A B | Non QM | Non QM | No |
|  | 20251037 |  |  |  | 33823695 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Copy/Rush Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Copy/Rush Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2025-06-23): [Redacted] received attestation is sufficient.<br>Buyer Comment (2025-06-21): See processor cert/attestation attached along with any supporting documents that were mentioned.<br>Reviewer Comment (2025-06-13): [Redacted] received rebuttal, however we also require attestation confirming on initial disclosures appraisal fee and appraisal rush fee were disclosed altogether and later bifurcated into appraisal fee of $[Redacted] and appraisal rush fee of $[Redacted]. Please provide attestation to re-evaluate the exception.<br>Buyer Comment (2025-06-11): Per Lender: When the file came to funding the processor had disclosed $[Redacted] POC, but we need to itemize the appraisal charges. The Appraisal was $[Redacted]and rush fee $[Redacted]. The total appraisal charge was disclosed.<br>There wasn't a COC completed specific to the appraisal charge. | 06/23/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Non QM | Non QM | Yes |
|  | 20251027 |  |  |  | 33823706 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-06-16): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-13): See Uploaded E-Sign Consent | 06/16/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20251027 |  |  |  | 33823709 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower at least three business days prior to closing. |  |  |  | Reviewer Comment (2025-06-16): [Redacted] received [Redacted] Initial CD, 3 business days prior to the consummation.<br>Buyer Comment (2025-06-13): See uploaded Initial CD | 06/16/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
|  | 20251027 |  |  |  | 33823711 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted].No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2025-06-18): [Redacted] received updated LE and valid Changed circumstance.<br>Buyer Comment (2025-06-17): See uploaded COC, LE dated [Redacted] and Final CD dated [Redacted]<br>Reviewer Comment (2025-06-16): [Redacted] received a changed circumstance dated [Redacted], but there is no CD dated within that time frame. Provide any missing CD to associate with the changed circumstance or provide changed circumstance with supporting documentation of timeline for the fee added on CD dated [Redacted] or cure is required.<br>Buyer Comment (2025-06-13): See Uploaded Change of Circumstance | 06/18/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 20251027 |  |  |  | 33823712 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing 12 months rental history, if private landlord, lease and bank statements or cancelled checks required. |  |  |  | Reviewer Comment (2025-06-16): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-12): See Uploaded VOR and [Redacted] cancelled checks reflecting [Redacted] months rent paid. | 06/16/2025 |  |  | 1 C A D |  | NJ | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20251027 |  |  |  | 33823713 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing evidence of receipt of gift funds. |  |  |  | Reviewer Comment (2025-06-20): Documentation provided, exception cleared.<br>Reviewer Comment (2025-06-19): Wire is not dated. Unable to determine when received by title company.<br>Buyer Comment (2025-06-17): See uploaded gift letter and wire confirmation<br>Reviewer Comment (2025-06-16): We need evidence of receipt of gift funds, via wire, donor check, etc.<br>Buyer Comment (2025-06-12): See final CD and Gift letter showing receipt of funds. | 06/20/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20251027 |  |  |  | 33823714 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Insufficient assets verified to meet reserve requirement. |  |  |  | Reviewer Comment (2025-06-20): Documentation provided, exception cleared.<br>Reviewer Comment (2025-06-19): Wire is not dated. Unable to determine when received by title company.<br>Buyer Comment (2025-06-17): See uploaded gift letter and wire confirmation<br>Reviewer Comment (2025-06-16): We need evidence of receipt of gift funds, via wire, donor check, etc.<br>Buyer Comment (2025-06-12): See final CD and Gift letter showing receipt of funds. | 06/20/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20251027 |  |  |  | 33823715 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient assets verified to meet reserve requirement. |  |  |  | Reviewer Comment (2025-06-20): Documentation provided, exception cleared.<br>Reviewer Comment (2025-06-19): Wire is not dated. Unable to determine when received by title company.<br>Buyer Comment (2025-06-17): See uploaded gift letter and wire confirmation<br>Reviewer Comment (2025-06-16): We need evidence of receipt of gift funds, via wire, donor check, etc.<br>Buyer Comment (2025-06-12): See uploaded docs attached to condition #[Redacted] | 06/20/2025 |  |  | 1 B A C |  | NJ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 20251027 |  |  |  | 33823716 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient assets verified to meet reserve requirement. |  |  |  | Reviewer Comment (2025-06-20): Documentation provided, exception cleared.<br>Reviewer Comment (2025-06-19): Wire is not dated. Unable to determine when received by title company.<br>Buyer Comment (2025-06-17): See uploaded gift letter and wire confirmation<br>Reviewer Comment (2025-06-16): We need evidence of receipt of gift funds, via wire, donor check, etc.<br>Buyer Comment (2025-06-12): See final CD and Gift letter showing receipt of funds.<br>Buyer Comment (2025-06-12): See uploaded docs attached to condition #[Redacted] | 06/20/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20251212 |  |  |  | 33823723 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-06-17): [Redacted] received [Redacted] CD 3 business days prior to consummation.<br>Buyer Comment (2025-06-16): See Uploaded initial CD | 06/17/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
|  | 20251212 |  |  |  | 33823724 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). |  |  |  | Reviewer Comment (2025-06-25): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-06-24): LOE, PCCCD, Copy of Check and proof of overnight delivery attached.<br>Reviewer Comment (2025-06-18): [Redacted] received Corrected CD and LOE to borrower. Missing copy of cure refund for total underdisclosure of $[Redacted]and proof of mailing to finalize cure.<br>Buyer Comment (2025-06-17): See Uploaded PCCD and Cover Letter |  | 06/25/2025 |  | 2 C B |  | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
|  | 20251212 |  |  |  | 33823725 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). |  |  |  | Reviewer Comment (2025-06-25): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-06-24): LOE, PCCCD, Copy of Check and proof of overnight delivery attached.<br>Reviewer Comment (2025-06-18): [Redacted] received Corrected CD and LOE to borrower. Missing copy of cure refund for total underdisclosure of $[Redacted] and proof of mailing to finalize cure.<br>Buyer Comment (2025-06-17): See Uploaded PCCD and Cover Letter |  | 06/25/2025 |  | 2 C B |  | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
|  | 20251212 |  |  |  | 33823726 |  | 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 page 2. | First lien purchase transaction did not disclose any Seller paid fees/charges on page 2 |  |  |  | Reviewer Comment (2025-06-18): [Redacted] Received Letter of Explanation and Corrected PCCD.<br>Buyer Comment (2025-06-17): See Uploaded Final CD<br>Reviewer Comment (2025-06-13): [Redacted] received copy of seller CD which is already available. However, no seller paid costs reflected. Required true and certified copy of Seller Settlement Statement to verify the fees paid by seller at closing as contract reflects seller liable for deed, transfer taxes and one half of title company charges.<br>Buyer Comment (2025-06-12): See Uploaded Seller CD confirming $[Redacted] seller fees. |  | 06/18/2025 |  | 2 C B |  | NJ | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
|  | 20251030 |  |  |  | 33823730 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower at least three business days prior to closing. |  |  |  | Reviewer Comment (2025-06-23): [Redacted] received [Redacted] CD 3 business days prior to consummation.<br>Buyer Comment (2025-06-20): See Uploaded Initial CD | 06/23/2025 |  |  | 1 C A |  | PA | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
|  | 20251030 |  |  |  | 33823731 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2025-06-23): [Redacted] Received Revised LE along with COC.<br>Buyer Comment (2025-06-20): See uploaded CoC and LE dated [Redacted] | 06/23/2025 |  |  | 1 C A |  | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 20251030 |  |  |  | 33823733 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing 12 month rental history of current primary residence. If private landlord, a copy of the lease and 12 months cancelled checks/bank statements are required. |  |  |  | Reviewer Comment (2025-06-19): Received and associated Verification of Rent (VOR) and Credit Supplement document verify [Redacted] months rental history for Primary property. Exception Cleared.<br>Buyer Comment (2025-06-17): See uploaded Credit Supplement and VOR | 06/19/2025 |  |  | 1 C A D |  | PA | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 20251030 |  |  |  | 33823734 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for Non-Permanent Resident Alien with [Redacted] EAD. Contingent on [Redacted] months reserves. Approval in file. | Borrower has verified disposable income of at least $[Redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted]residual income. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-16): Lender exception in file. |  |  | 06/16/2025 | 2 B |  | PA | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 20251030 |  |  |  | 33823735 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for Borrower self-employed less than 2 years with [Redacted] credit score, contingent on [Redacted] months reserves. Approval in file. | Borrower has verified disposable income of at least $[Redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted]residual income. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-16): Lender exception in file. |  |  | 06/16/2025 | 2 B |  | PA | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 20251030 |  |  |  | 33823736 |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  | Missing I-797 |  |  |  | Reviewer Comment (2025-06-26): Received and associated Revised 1003 it showing borrower is Permanent Resident Alien, Provided Permanent Resident Alien card. Exception Cleared.<br>Buyer Comment (2025-06-24): The borrower is a resident alien and not a non-permanent alien. Please see the attached resident alien card and revised 1003 | 06/26/2025 |  |  | 1 C A |  | PA | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 20251107 |  |  |  | 33823747 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge |  |  |  | Reviewer Comment (2025-06-27): [Redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Buyer Comment (2025-06-26): See uploaded Notice of Right to Cancel<br>Reviewer Comment (2025-06-24): [Redacted] received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. Please provide proof rescission reopened to all consumers. |  | 06/27/2025 |  | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
|  | 20251107 |  |  |  | 33823748 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). |  |  |  | Reviewer Comment (2025-06-27): [Redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Buyer Comment (2025-06-26): See uploaded Notice of Right to Cancel<br>Reviewer Comment (2025-06-24): [Redacted] received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. Please provide proof rescission reopened to all consumers.<br>Buyer Comment (2025-06-23): Cure docs attached for $[Redacted] |  | 06/27/2025 |  | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
|  | 20251107 |  |  |  | 33823749 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-24): [Redacted] received a valid COC.<br>Buyer Comment (2025-06-23): COC attached for discount point increase | 06/24/2025 |  |  | 1 C A |  | FL | 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 |
|  | 20251107 |  |  |  | 33823750 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-24): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-06-23): Cure docs attached | 06/24/2025 |  |  | 1 C A |  | FL | 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 |
|  | 20251107 |  |  |  | 33823752 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-24): Sufficient Cure Provided At Closing |  | 06/24/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 20251094 |  |  |  | 33823753 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Missing verification of employment dated within 10 business days prior to closing. |  |  |  | Reviewer Comment (2025-06-20): Received and associated The Work Number - Employment Only document for [Redacted]. Exception cleared.<br>Buyer Comment (2025-06-18): See Uploaded VVOE | 06/20/2025 |  |  | 1 B A C |  | CO | Primary | Purchase | Lender to provide updated ATR/QM status D C | Non QM | Non QM | Yes |
|  | 20251094 |  |  |  | 33823754 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | Missing verification of employment dated within 10 business days prior to closing. |  |  |  | Reviewer Comment (2025-06-20): Received and associated The Work Number - Employment Only document for [Redacted]. Exception cleared.<br>Buyer Comment (2025-06-18): See Uploaded VVOE attached to condition #[Redacted]<br>Buyer Comment (2025-06-18): See Uploaded VVOE | 06/20/2025 |  |  | 1 C A |  | CO | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20251094 |  |  |  | 33823755 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Verification of employment documentation was not provided within 10 business days of the Note date. |  |  |  | Reviewer Comment (2025-06-20): Received and associated The Work Number - Employment Only document for [Redacted]. Exception cleared. | 06/20/2025 |  |  | 1 A |  | CO | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20251094 |  |  |  | 33823756 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower at least three business days prior to closing. |  |  |  | Reviewer Comment (2025-06-19): [Redacted] received [Redacted] CD, received 3 business days prior to consummation.<br>Buyer Comment (2025-06-18): See Uploaded Initial CD | 06/19/2025 |  |  | 1 C A |  | CO | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
|  | 20251094 |  |  |  | 33823757 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  | Reviewer Comment (2025-06-20): Received and associated 1004/70 appraisal. Exception cleared.<br>Buyer Comment (2025-06-18): See uploaded Appraisal<br>Buyer Comment (2025-06-18): See Uploaded Appraisal dated [Redacted] | 06/20/2025 |  |  | 1 D A |  | CO | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20251094 |  |  |  | 33823758 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The subject property is located in a FEMA disaster area. Disaster end date was [Redacted]. Provide a post-disaster inspection report showing no damage to the property. An appraisal/inspection report was not provided. |  |  |  | Reviewer Comment (2025-06-20): Received and associated 1004/70 appraisal. Exception cleared.<br>Buyer Comment (2025-06-18): See uploaded Appraisal report attached to condition #[Redacted]<br>Buyer Comment (2025-06-18): See Uploaded Appraisal dated [Redacted] | 06/20/2025 |  |  | 1 C A |  | CO | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20251094 |  |  |  | 33823760 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  |  |  |  |  | Reviewer Comment (2025-06-20): Received and associated 1004/70 appraisal. Exception cleared.<br>Buyer Comment (2025-06-18): See uploaded Appraisal report attached to condition #[Redacted]<br>Buyer Comment (2025-06-18): See Uploaded Appraisal dated [Redacted] | 06/20/2025 |  |  | 1 D A |  | CO | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20251094 |  |  |  | 33823761 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  |  |  |  |  | Reviewer Comment (2025-06-20): Received and associated The Work Number - Employment Only document for [Redacted]. Exception cleared.<br>Buyer Comment (2025-06-18): See Uploaded VVOE attached to condition #[Redacted]<br>Buyer Comment (2025-06-18): See Uploaded VVOE | 06/20/2025 |  |  | 1 C A |  | CO | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20251094 |  |  |  | 33823762 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | Verification of employment documentation was not provided. |  |  |  | Reviewer Comment (2025-06-20): Received and associated The Work Number - Employment Only document for [Redacted]. Exception cleared.<br>Buyer Comment (2025-06-18): See Uploaded VVOE attached to condition #[Redacted]<br>Buyer Comment (2025-06-18): See Uploaded VVOE | 06/20/2025 |  |  | 1 C A |  | CO | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20251094 |  |  |  | 33823763 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-17): Sufficient Cure Provided At Closing |  | 06/17/2025 |  | 1 A |  | CO | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20251094 |  |  |  | 33823764 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-17): Sufficient Cure Provided At Closing |  | 06/17/2025 |  | 1 A |  | CO | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20251023 |  |  |  | 33823770 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is blank. A Final policy was not provided. |  |  |  | Reviewer Comment (2025-06-24): Received and associated Title Final with title policy amount $[Redacted]. Exception cleared.<br>Buyer Comment (2025-06-20): See docs provided | 06/24/2025 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20251023 |  |  |  | 33823771 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-06-24): Received and associated Title Final with title policy amount $[Redacted]. Exception cleared. | 06/24/2025 |  |  | 1 A |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20250915 |  |  |  | 33823775 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing [Redacted] business tax return extension. |  |  |  | Reviewer Comment (2025-06-27): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-26): See uploaded business Tax Extension<br>Reviewer Comment (2025-06-20): The exception is for the tax return extension for the business, extension for personal taxes already in file.<br>Buyer Comment (2025-06-18): See Uploaded Tax Extension<br>Buyer Comment (2025-06-18): See [Redacted] Tax filing Extension | 06/27/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
|  | 20251011 |  |  |  | 33823781 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. |  |  |  | Reviewer Comment (2025-06-27): [Redacted] received evidence of disbursement date.<br>Buyer Comment (2025-06-25): See docs provided | 06/27/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
|  | 20251011 |  |  |  | 33823782 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2025-06-25): Received and associated Title Final with title policy amount $[Redacted]. Exception cleared.<br>Buyer Comment (2025-06-24): Please see attached title docs | 06/25/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
|  | 20251011 |  |  |  | 33823783 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-06-25): Received and associated Title Final with title policy amount $[Redacted]. Exception cleared. | 06/25/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
|  | 20251065 |  |  |  | 33823790 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. |  |  |  | Reviewer Comment (2025-06-25): PCCD provided, exception cleared.<br>Buyer Comment (2025-06-24): Please see attached docs<br>Buyer Comment (2025-06-24): See Uploaded PCCD | 06/25/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
|  | 20250935 |  |  |  | 33823820 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception approval to accept [Redacted]% seller contribution on investment transaction. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>LTV is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-27): Lender exception in file. |  |  | 05/27/2025 | 2 B |  | NV | Investment | Purchase | B A |  | N/A | No |
|  | 20251043 |  |  |  | 33823840 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Copy of Business Purpose Certificate is not available in file. |  |  |  | Reviewer Comment (2025-06-20): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-06-19): Please see executed affidavit | 06/20/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
|  | 20251038 |  |  |  | 33823842 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  | Reviewer Comment (2025-06-26): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-24): See Updated Title Commitment | 06/26/2025 |  |  | 1 B A |  | TX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20251333 |  |  |  | 33892652 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Please accept as is. |  |  |  | Reviewer Comment (2025-08-18): The client accepts as is<br>Reviewer Comment (2025-07-23): Please accept as is.<br>Seller Comment (2025-07-21): See page [Redacted] in [Redacted] that shows tax filing extension for [Redacted]. |  |  |  | 2 B |  | CO | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20251380 |  |  |  | 33885245 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-10): Sufficient Cure Provided At Closing |  | 07/10/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20251388 |  |  |  | 33920817 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is a non-permanent resident with [Redacted] EAD, lender exception in file. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | $[Redacted] residual income.<br>Dti is [Redacted]% below guideline max. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-14): Lender exception in file. |  |  | 07/14/2025 | 2 B |  | TN | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20251063 |  |  |  | 33952547 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-16): Sufficient Cure Provided At Closing |  | 07/16/2025 |  | 1 A |  | OH | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20251056 |  |  |  | 33881089 |  | 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 page 2. | TRID Final Closing Disclosure [Redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2 |  |  |  | Reviewer Comment (2025-06-12): [Redacted] received Seller CD.<br>Buyer Comment (2025-06-11): See Uploaded Seller CD | 06/12/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
|  | 20251056 |  |  |  | 33881090 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-30): [Redacted] received VCC<br>Buyer Comment (2025-06-30): Attached is the LE/COC/Receipt and email confirming borrower aware he dropped off the money for the HOA Condo questionnaire fee.<br>Reviewer Comment (2025-06-20): [Redacted] received LE and COC dated [Redacted] but the reason provided on COC is not sufficient as what new changes has received to lender that has been resulted in increase in fee from disclosed previously in good faith. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs.<br>Buyer Comment (2025-06-18): See Uploaded Final CD Transmittal Confirmation<br>Buyer Comment (2025-06-18): See uploaded Final CD, LE and CoC<br>Reviewer Comment (2025-06-17): [Redacted] received COC dated [Redacted] for change in pricing sue to approved exception however, the HOA condo questionnaire fee is disclosed $[Redacted] on initial LE but increased to $[Redacted] on CD dated [Redacted]. A COC for CD dated [Redacted] with reason for increase is required or cure would be due to the borrower.<br>Buyer Comment (2025-06-13): See uploaded Final CD and CoC | 06/30/2025 |  |  | 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 | Non QM | Yes |
|  | 20251056 |  |  |  | 33881092 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for [Redacted] EAD card contingent on a max [Redacted]% DTI and [Redacted] months reserves. Approval provided. | 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. | $[Redacted]residual income | SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-11): Lender exception in file. |  |  | 06/11/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251056 |  |  |  | 33881093 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for condo not meeting non-warrantable guidelines due to reserves being slightly below requirements. Approval provided. | 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. | $[Redacted]residual income | SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-11): Lender exception in file. |  |  | 06/11/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20250936 |  |  |  | 33881109 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-27): [Redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-06-25): TRID cure documents attached<br>Reviewer Comment (2025-06-20): A tolerance cure requires, PCCD, LOE, A copy of the Refund check and proof of mailing. Please provide a copy of the Refund check and proof of mailing to complete cure.<br>Buyer Comment (2025-06-20): LOE attached<br>Reviewer Comment (2025-06-17): [Redacted] received corrected PCCD reconciled with the ALTA final SS with $[Redacted] refund but missing LOE to borrower to accompanied CD. LOE is required to cure.<br>Buyer Comment (2025-06-13): See uploaded PCCD and ALTA settlement statement with $[Redacted] principal curtailment applied |  | 06/27/2025 |  | 2 C B |  | NV | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 20250936 |  |  |  | 33881111 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-30): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-06-27): COC from [Redacted]<br>Reviewer Comment (2025-06-20): [Redacted] reviews to SFA standards, and TRID Grid [Redacted] , Row [Redacted] states: The COC information can be contained on multiple documents (COC doc, screenshot of notes on an LOS or 1008, rate lock agreement, communication logs, etc.) but ideally centralized in the file for an efficient review. Documentation of borrower requested changes should include the date of the borrower's change request and be documented in writing through copy of borrower emails, communication logs, screenshot of LO notes in LOS, etc. See Appendix for examples of sufficient and insufficient COC documentation. Please provide a dated copy or the conversation lof in which the borrower requested the Appraisal Recertification fee for review and resolution.<br>Buyer Comment (2025-06-20): COC attached |  | 06/30/2025 |  | 2 B |  | NV | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 20251407 |  |  |  | 33958188 |  | 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 ___. | LTV exceeds max allowable of [Redacted]%, lender exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted]points. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-17): Lender exception in file. |  |  | 07/17/2025 | 2 B |  | FL | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20251411 |  |  |  | 33970918 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is blank. A Final policy was not provided. |  |  |  | Reviewer Comment (2025-07-30): Received and associated Title supplement reflecting title policy amount $[Redacted] . Exception cleared.<br>Seller Comment (2025-07-28): See attached Title Supplement with loan amount. Please cancel. | 07/30/2025 |  |  | 1 B A |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20250968 |  |  |  | 33996557 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation discrepancy due to missing asset documentation. Gift Funds of $[Redacted] were used to qualify. Documented Transfer of funds was not provided. |  |  |  | Reviewer Comment (2025-07-10): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-09): Billing statement from [Redacted] attached reflects installment balance of $[Redacted]. Policy was $[Redacted]($[Redacted]/mo x [Redacted]months). Documented POC of $[Redacted]<br>Reviewer Comment (2025-06-30): Gifts already documented, missing evidence of POC for hazard insurance in the amt of $[Redacted].<br>Buyer Comment (2025-06-30): See uploaded Deposit Receipts for all Gift funds.<br>Reviewer Comment (2025-06-27): Still short reserves, provide proof of POC for hazard insurance.<br>Buyer Comment (2025-06-25): $[Redacted] receipt of gift funds uploaded ([Redacted] separate wires) | 07/10/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 20250968 |  |  |  | 33996558 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan is at ATR risk. Gift Funds of $[Redacted] were used to qualify. Documented Transfer of funds was not provided. |  |  |  | Reviewer Comment (2025-07-10): Documentation provided; exception cleared.<br>Reviewer Comment (2025-06-30): Gifts already documented, missing evidence of POC for hazard insurance in the amt of $[Redacted].<br>Buyer Comment (2025-06-30): See uploaded Deposit Receipts for all Gift funds.<br>Reviewer Comment (2025-06-27): Still short reserves, provide proof of POC for hazard insurance.<br>Buyer Comment (2025-06-25): gift proof uploaded | 07/10/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250968 |  |  |  | 33996559 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Gift Funds of $[Redacted] were used to qualify. Documented Transfer of funds was not provided. |  |  |  | Reviewer Comment (2025-07-10): Documentation provided; exception cleared.<br>Reviewer Comment (2025-06-30): Gifts already documented, missing evidence of POC for hazard insurance in the amt of $[Redacted].<br>Buyer Comment (2025-06-30): See uploaded Deposit Receipts for all Gift funds.<br>Reviewer Comment (2025-06-27): Still short reserves, provide proof of POC for hazard insurance.<br>Reviewer Comment (2025-06-27): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted].<br>Buyer Comment (2025-06-25): gift proof uploaded | 07/10/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250968 |  |  |  | 33996560 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $[Redacted] is less than Cash From Borrower $[Redacted]. Gift Funds of $[Redacted] were used to qualify. Documented Transfer of funds was not provided. |  |  |  | Reviewer Comment (2025-06-27): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-25): gift proof uploaded | 06/27/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251020 |  |  |  | 34007959 |  | Credit | Missing Document | General | Missing Document | Missing Document: Road Maintenance Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-06-09): Provided Clarification from Lender. Exception Cleared.<br>Buyer Comment (2025-06-05): Per Lender: Regarding the road maintenance, this is a condotel, not a private road. | 06/09/2025 |  |  | 1 C A |  | UT | Investment | Purchase | C B A |  | N/A | No |
|  | 20251020 |  |  |  | 34007960 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for new construction condotel with no separate bedroom. | Borrower has verified disposable income of at least $[Redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | LTV/CLTV is [Redacted]% below guideline max.<br>LTV/CLTV is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-02): Lender exceptions in file.<br>Buyer Comment (2025-06-02): see exception docs from lender and [Redacted]<br>Buyer Comment (2025-06-02): See exceptions from lender and [Redacted] |  |  | 06/02/2025 | 2 C B |  | UT | Investment | Purchase | C B A |  | N/A | No |
|  | 20251020 |  |  |  | 34007962 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Insurance and HOA verification. |  |  |  | Reviewer Comment (2025-07-02): Received and associated updated Tax Verification, Insurance Verification and LOE for REO property "[Redacted]". Exception Cleared.<br>Buyer Comment (2025-06-30): See LOX provided<br>Reviewer Comment (2025-06-26): Provided Insurance Verification document reflects$[Redacted], Tax Verification $[Redacted] and HOA Verification$[Redacted] for REO Property "[Redacted]", however, final 1003 listed other payment as $[Redacted]. Please provide supporting document for other payment of $[Redacted]. Exception remains<br>Buyer Comment (2025-06-24): See docs provided<br>Reviewer Comment (2025-06-17): Missing hazard insurance docs.<br>Reviewer Comment (2025-06-17): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: HOA Verification, Insurance Verification<br>Buyer Comment (2025-06-16): Per Lender: It's in the same HOA as the other units and we are using $[Redacted]/mo. It is also covered by the blanket policy provided as well for the project.<br>Reviewer Comment (2025-06-10): There was nothing found for this property, Unit [Redacted]; only docs for Unit [Redacted] were uploaded in the trailing docs.<br>Buyer Comment (2025-06-06): See docs provided | 07/02/2025 |  |  | 1 C A |  | UT | Investment | Purchase | C B A |  | N/A | No |
|  | 20251020 |  |  |  | 34007963 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Verification of Mortgage |  |  |  | Reviewer Comment (2025-06-10): First Payment Letter, Tax Cert, and Insurance were all provided.<br>Buyer Comment (2025-06-06): See docs provided | 06/10/2025 |  |  | 1 C A |  | UT | Investment | Purchase | C B A |  | N/A | No |
|  | 20251020 |  |  |  | 34007964 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing source of EMD. |  |  |  | Reviewer Comment (2025-06-26): Received and associated Source of Funds/Deposit for EMD. Sufficient assets to cover Cash From Borrower and reserve requirement is verified. Exception Cleared.<br>Buyer Comment (2025-06-24): See docs provided<br>Reviewer Comment (2025-06-20): Provided Wire Confirmation document (EMD) stated $[Redacted] going to title from borrower bank acct "[Redacted]". However, source of funds/deposit is not provide in file. Hence, please provide source of funds/deposit to verify the withdrawal of EMD amount. Exception remains<br>Buyer Comment (2025-06-18): Please review wire statement again - the funds were wired [Redacted] account ending [Redacted]. The originated FROM [Redacted]. [Redacted] statement was previously submitted with file. You can see this under "originating bank" on the wire documents provided.<br>Reviewer Comment (2025-06-09): Received Wire Confirmation is showing payment Made on [Redacted] on account number ending#[Redacted]. Please provide bank statement for account number ending#[Redacted] showing EMD. Exception Remains<br>Buyer Comment (2025-06-05): See simultaneous wire provided | 06/26/2025 |  |  | 1 C A |  | UT | Investment | Purchase | C B A |  | N/A | No |
|  | 20251020 |  |  |  | 34007965 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing source of emd |  |  |  | Reviewer Comment (2025-06-26): Received and associated Source of Funds/Deposit for EMD. Sufficient assets to cover Cash From Borrower and reserve requirement is verified. Exception Cleared.<br>Buyer Comment (2025-06-24): See docs provided<br>Reviewer Comment (2025-06-20): Provided Wire Confirmation document (EMD) stated $[Redacted]going to title from borrower bank acct "[Redacted]". However, source of funds/deposit is not provide in file. Hence, please provide source of funds/deposit to verify the withdrawal of EMD amount. Exception remains<br>Buyer Comment (2025-06-18): Please review wire statement again - the funds were wired [Redacted] account ending [Redacted] . The originated FROM [Redacted]. [Redacted] statement was previously submitted with file. You can see this under "originating bank" on the wire documents provided.<br>Reviewer Comment (2025-06-09): Received Wire Confirmation is showing payment Made on [Redacted] on account number ending#[Redacted]. Please provide bank statement for account number ending#[Redacted] showing EMD. Exception Remains<br>Buyer Comment (2025-06-05): See simultaneous wire provided | 06/26/2025 |  |  | 1 C A |  | UT | Investment | Purchase | C B A |  | N/A | No |
|  | 20250960 |  |  |  | 34007985 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  | Reviewer Comment (2025-06-20): Received and associated Title Final with title policy amount $[Redacted]. Exception cleared. | 06/20/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
|  | 20250960 |  |  |  | 34007986 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-06-20): Received and associated Title Final with title policy amount $[Redacted]. Exception cleared.<br>Buyer Comment (2025-06-18): See docs provided | 06/20/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
|  | 20250960 |  |  |  | 34007988 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | Borrower not provided with list of service providers. |  |  |  | Reviewer Comment (2025-07-09): [Redacted] Received SSPL. | 07/09/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure A B | Non QM | Non QM | No |
|  | 20250960 |  |  |  | 34007989 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-07-09): [Redacted] Received SSPL and borrower shopped for services.<br>Buyer Comment (2025-07-08): please see attached additional details for services you shop for<br>Reviewer Comment (2025-07-07): [Redacted] received cure documents with refund cure of $[Redacted], which is insufficient to cure for the fees were exceeds [Redacted]% tolerance. Hence, we also required additional cure of $[Redacted] with cure documents to cure this exception. Moreover, [Redacted] is unable to determine from the file whether the borrower shopped for service. The file does not contain a "SSPL". Tolerance category will be reevaluated when SPPL is received.<br>Buyer Comment (2025-07-02): See docs provided<br>Buyer Comment (2025-07-02): Please see cure docs provided | 07/09/2025 |  |  | 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 B | Non QM | Non QM | Yes |
|  | 20251105 |  |  |  | 34008011 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower at least three business days prior to closing. |  |  |  | Reviewer Comment (2025-07-14): [Redacted] received [Redacted] CD 3 business days prior to consummation.<br>Buyer Comment (2025-07-10): CD uploaded | 07/14/2025 |  |  | 1 C A |  | GA | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
|  | 20251002 |  |  |  | 34008019 |  | 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 Preliminary in file. |  |  |  | Reviewer Comment (2025-07-11): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-09): title uploaded | 07/11/2025 |  |  | 1 B A |  | OR | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 20251002 |  |  |  | 34008022 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please verify appraised value used by lender as 1008 reflects $[Redacted] however actual appraised value is $[Redacted]. |  |  |  | Reviewer Comment (2025-07-17): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-16): disregard insurance doc - it was sent in on wrong borrower.<br>Buyer Comment (2025-07-16): see docs provided<br>Buyer Comment (2025-07-15): Revised 1008 w/corrected appraised value<br>Buyer Comment (2025-07-15): See docs provided | 07/17/2025 |  |  | 1 A |  | OR | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 20251036 |  |  |  | 34008032 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2025-07-15): Received and associated Operating Agreement for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-07-11): See docs provided | 07/15/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 20251381 |  |  |  | 34095359 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-06-11): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-06-09): Business purpose | 06/11/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 20251381 |  |  |  | 34095360 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for a rural property on investment transaction. | 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]%. | Exception is approved with comp factors. | SitusAMC,Originator<br>SitusAMC | Reviewer Comment (2025-06-05): Exception approved with comp factors. |  |  | 06/05/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 20251381 |  |  |  | 34095361 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for First-Time Investor on a refinance. | 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]%. | Exception is approved with comp factors. | SitusAMC,Originator<br>SitusAMC | Reviewer Comment (2025-06-05): Exception approved with comp factors. |  |  | 06/05/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 20251383 |  |  |  | 34095363 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-06-06): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-06-05): See doc provided | 06/06/2025 |  |  | 1 C A |  | AZ | Investment | Purchase | D A |  | N/A | No |
|  | 20251383 |  |  |  | 34095364 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  |  |  |  |  | Reviewer Comment (2025-06-06): Received and associated Business Purpose Certificate with Occupancy Declaration. Exception Cleared.<br>Buyer Comment (2025-06-05): See doc provided | 06/06/2025 |  |  | 1 C A |  | AZ | Investment | Purchase | D A |  | N/A | No |
|  | 20251383 |  |  |  | 34095365 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided |  | The 1-4 Family Rider document is incomplete. Page 3 of document was not provided. |  |  |  | Reviewer Comment (2025-06-14): Received and associated Rider -1-4 Family. Exception Cleared.<br>Buyer Comment (2025-06-12): See docs provided | 06/14/2025 |  |  | 1 C A |  | AZ | Investment | Purchase | D A |  | N/A | No |
|  | 20251383 |  |  |  | 34095366 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing 12 Month Primary Housing History |  |  |  | Reviewer Comment (2025-06-27): Received Credit Supplement and Verification of Rent (VOR) to verify 12 months rental history for [Redacted] property. Exception Cleared.<br>Buyer Comment (2025-06-25): See docs provided<br>Reviewer Comment (2025-06-16): Received Credit Report is showing [Redacted] months housing history, as per Guidelines 12 months primary housing history required. Please provide previous housing history listed in final 1003 "[Redacted]. Exception remains<br>Buyer Comment (2025-06-12): see docs provided | 06/27/2025 |  |  | 1 C A D |  | AZ | Investment | Purchase | D A |  | N/A | No |
|  | 20251394 |  |  |  | 34095367 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Copy of Business Purpose Certificate is not available in file. |  |  |  | Reviewer Comment (2025-06-09): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-06-06): attached<br>Buyer Comment (2025-06-06): Business purpose | 06/09/2025 |  |  | 1 C A |  | VA | Investment | Purchase | C A |  | N/A | No |
|  | 20251394 |  |  |  | 34095369 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Search list on the Fraud report does not include [Redacted]. |  |  |  | Reviewer Comment (2025-07-02): Received and associated Background Check with Search list. Exception cleared.<br>Buyer Comment (2025-07-01): Fraud check | 07/02/2025 |  |  | 1 C A |  | VA | Investment | Purchase | C A |  | N/A | No |
|  | 20251358 |  |  |  | 34095373 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-06-24): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-06-20): Affidavit attached | 06/24/2025 |  |  | 1 C A |  | AZ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20251348 |  |  |  | 34095374 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception is approved for a new condo project with less than [Redacted]% occupancy. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted]months reserves<br>LTV is [Redacted]% below guideline max<br>Fico is [Redacted]points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-18): Lender exception in file. |  |  | 06/18/2025 | 2 B |  | NY | Investment | Purchase | B A |  | N/A | No |
|  | 20251340 |  |  |  | 34095376 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount |  |  |  | Reviewer Comment (2025-07-01): Processor cert provided states policy includes actual cash value.<br>Buyer Comment (2025-06-30): LOE for RCE.<br>Reviewer Comment (2025-06-24): The dwelling coverage of $[Redacted]is insufficient, exception remains.<br>Buyer Comment (2025-06-20): HOI | 07/01/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20251340 |  |  |  | 34095378 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing lease for unit # [Redacted]. |  |  |  | Reviewer Comment (2025-07-08): No lease for unit [Redacted], client information provided.<br>Reviewer Comment (2025-07-08): Sent email to [Redacted] for further explanation.<br>Buyer Comment (2025-07-03): Sorry. What the appraiser calls Unit [Redacted] is the basement unit that is occupied per family. Appraiser Unit [Redacted] = Floor[Redacted] Unit (lease in place). Appraiser Unit [Redacted] = Floor [Redacted] Unit (lease in place). Appraiser Unit [Redacted] = Floor [Redacted] Unit (This is the lease not being renewed). So Appraiser Units [Redacted] = What borrower calls Units [Redacted] or [Redacted].<br>Reviewer Comment (2025-07-03): Please explain which units are leased and which are not leased and no longer will be leased. I did not understand the comments from client in the exceptions. Is unit [Redacted] and [Redacted] leased and [Redacted] and [Redacted] are not leased? If there are unleased units, we need an LOE for borrower as to why each unit is unleased.<br>Buyer Comment (2025-07-01): Correction: Document# [Redacted]: Floor [Redacted] lease. [Redacted]Floor [Redacted] lease.<br>Buyer Comment (2025-07-01): Please see document# [Redacted]: Floor [Redacted] lease. [Redacted]Floor [Redacted] lease.<br>Buyer Comment (2025-07-01): Letter from borrower that Floor [Redacted] tenant will not be renewing least.<br>Buyer Comment (2025-07-01): Floor [Redacted] lease. What appraiser is calling Unit [Redacted].<br>Reviewer Comment (2025-06-25): Is unit [Redacted] leased? 1007 states it is leased. Underwriter used the lower of lease and 1007. If not leased, an LOE from the borrower is required to explain why unit is vacant.<br>Buyer Comment (2025-06-24): See uploaded LOX for Unit [Redacted] Lease. There is no lease for Unit #[Redacted].<br>Reviewer Comment (2025-06-24): Per the comparable rent schedule, unit [Redacted] is rented for $[Redacted]monthly.<br>Buyer Comment (2025-06-20): LOE | 07/08/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20251416 |  |  |  | 34095380 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | Missing credit report to verify score. |  |  |  | Reviewer Comment (2025-06-24): Received and associated Credit Report document. Exception Cleared.<br>Buyer Comment (2025-06-20): See credit report. | 06/24/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 20251416 |  |  |  | 34095381 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  | Reviewer Comment (2025-06-24): Received and associated Credit Report document. Exception Cleared.<br>Buyer Comment (2025-06-20): See credit report. | 06/24/2025 |  |  | 1 D A |  | TN | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 20251416 |  |  |  | 34095382 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing 12 month housing history for primary and subject. |  |  |  | Reviewer Comment (2025-06-24): Received Property report for primary is showing owned free and clear. Exception Cleared.<br>Buyer Comment (2025-06-20): Both subject and primary are owned free and clear - see property report for primary and final cd with no mortgage payoff for subject | 06/24/2025 |  |  | 1 C A D |  | TN | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 20251416 |  |  |  | 34095383 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per the appraisal, the subject is owner occupied. |  |  |  | Reviewer Comment (2025-06-30): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-26): See docs provided | 06/30/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 20251416 |  |  |  | 34095384 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | If subject is not currently leased, provide an LOE from the borrower that states the reason for subject not currently being rented. |  |  |  | Reviewer Comment (2025-06-30): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-30): The document provided references and email from the borrower sent to the appraiser stating he was doing renovations. Please review again<br>Reviewer Comment (2025-06-30): Missing LOE from borrower as to why subject is not rented.<br>Buyer Comment (2025-06-26): See docs provided | 06/30/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 20251341 |  |  |  | 34095386 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Copy of Articles of Organization/Formation is not available. |  |  |  | Reviewer Comment (2025-07-15): Received and associated Articles of Organization/Formation for[Redacted]. Exception Cleared.<br>Buyer Comment (2025-07-11): See Uploaded [Redacted] docs<br>Reviewer Comment (2025-07-08): The operating agreement was in initial file. Missing Articles of Organization/Formation.<br>Buyer Comment (2025-07-03): Please see attached | 07/15/2025 |  |  | 1 C A |  | AL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 20251341 |  |  |  | 34095387 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Copy of Employer Identification Number (EIN) is not available. |  |  |  | Reviewer Comment (2025-07-15): Received and associated Employer Identification Number (EIN) for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-07-11): See Uploaded EIN assignment | 07/15/2025 |  |  | 1 C A |  | AL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 20251341 |  |  |  | 34095389 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing twelve month pay history for primary residence. |  |  |  | Reviewer Comment (2025-07-08): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-03): Please see attached pay history | 07/08/2025 |  |  | 1 C A |  | AL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 20251341 |  |  |  | 34095390 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-07-11): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-09): please see attached cert docs | 07/11/2025 |  |  | 1 C A |  | AL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 20251341 |  |  |  | 34095391 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing 12 month housing history for subject property. |  |  |  | Reviewer Comment (2025-07-11): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-09): Please see uploaded docs | 07/11/2025 |  |  | 1 C A |  | AL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 20251341 |  |  |  | 34095392 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Missing lease agreement for subject. |  |  |  | Reviewer Comment (2025-07-15): Received and associated Lease Agreement for Subject property. Exception Cleared.<br>Buyer Comment (2025-07-11): See Uploaded Lease agreement and payment receipts for subject property | 07/15/2025 |  |  | 1 C A |  | AL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 20251362 |  |  |  | 34095393 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose certificate was not provided in the file. |  |  |  | Reviewer Comment (2025-07-10): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-07-08): please see cert attached | 07/10/2025 |  |  | 1 C A |  | UT | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 20251362 |  |  |  | 34095395 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Website Listing not provided |  |  |  |  |  | Reviewer Comment (2025-07-11): Received and associated Vacation Rental Website Listing . Exception Cleared.<br>Buyer Comment (2025-07-09): rental website attached | 07/11/2025 |  |  | 1 C A |  | UT | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 20251414 |  |  |  | 34095397 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Copy of Fraud Report is not available in file. |  |  |  | Reviewer Comment (2025-07-07): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-07-02): Fraud report | 07/07/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
|  | 20251414 |  |  |  | 34095398 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Copy of Fraud Report is not available in file. |  |  |  | Reviewer Comment (2025-07-07): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-07-02): Fraud report uploaded to [Redacted]. | 07/07/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
|  | 20251356 |  |  |  | 34095400 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception is approved for First time investor with less than 12 months primary housing history. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted]months reserves<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-07): Lender exception in file. |  |  | 07/07/2025 | 2 B |  | PA | Investment | Purchase | B A |  | N/A | No |
|  | 20251351 |  |  |  | 34095403 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-07-22): Received and associated Certificate of Good Standing for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-07-18): See Uploaded Certificate of Good Standing | 07/22/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20251343 |  |  |  | 34095406 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | There is no evidence of landlord insurance (hazard insurance plus liability) and thus casts doubt on the business purpose of the loan. |  | Missing liability coverage as part of hazard policy |  |  |  | Reviewer Comment (2025-07-23): Received and associated Hazard Insurance Policy document. Exception Cleared.<br>Buyer Comment (2025-07-19): please see attached | 07/23/2025 |  |  | 1 C A |  | AZ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 20251406 |  |  |  | 34095425 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-06-06): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-06-05): See docs provided | 06/06/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251406 |  |  |  | 34095427 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2025-06-25): [Redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-06-23): See docs provided<br>Reviewer Comment (2025-06-12): [Redacted] received Fraud report. However, we would require a valid COC for the fee increased on CD dated [Redacted] for $[Redacted]. Kindly provide a valid COC for the fee added or provide cure documents. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-06-11): See docs provided<br>Reviewer Comment (2025-05-21): [Redacted] received COC dated [Redacted] but the reason provided for adding survey fee is not valid as receipt of updated title fees is not a valid reason for change in title fees. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs.<br>Buyer Comment (2025-05-20): See COC provided |  | 06/25/2025 |  | 2 C B |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 20251354 |  |  |  | 34095431 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-05-29): [Redacted] received LE and COC dated [Redacted].<br>Buyer Comment (2025-05-28): See Uploaded Loan Estimate, CoC and Rate Lock | 05/29/2025 |  |  | 1 C A |  | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 20251354 |  |  |  | 34095436 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing third party verification of business dated within 30 days prior to Note date. Doc in file not dated. |  |  |  | Reviewer Comment (2025-05-30): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-27): See uploaded 3rd Party business verification | 05/30/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251354 |  |  |  | 34095437 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing complete12 month housing history. |  |  |  | Reviewer Comment (2025-07-11): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-08): See Uploaded rent payment verification from [Redacted]<br>Reviewer Comment (2025-06-23): If landlord is private, provide cancelled checks or bank statements for the period from [Redacted] thru [Redacted].<br>Reviewer Comment (2025-06-20): Is landlord private? Guidelines require cancelled checks/bank statements for private landlords.<br>Reviewer Comment (2025-06-19): Received VOR is showing [Redacted] months housing history, as per Guidelines 12 months housing history is required. Please provide previous housing history listed in final 1003 for "[Redacted]" to meet 12 months housing history guideline. Exception remains<br>Buyer Comment (2025-06-17): See updated 1003 reflecting borrower renting for [Redacted] months. Prior to that, borrower owned [Redacted] residence on[Redacted] for [Redacted] years<br>Reviewer Comment (2025-06-12): Received VOR is showing [Redacted] months housing history, as per Guidelines 12 months housing history required. Please provide previous housing history for "[Redacted]. Exception remains<br>Buyer Comment (2025-06-10): See Uploaded VOR | 07/11/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251357 |  |  |  | 34095441 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing complete12 month housing history of Primary residence. |  |  |  | Reviewer Comment (2025-06-30): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-27): See updated property transaction report<br>Reviewer Comment (2025-06-05): Received Rental history for [Redacted] months, however 12 months housing history required as per Guidelines. Exception remains<br>Buyer Comment (2025-06-03): Rental history | 06/30/2025 |  |  | 1 C A D |  | CO | Primary | Purchase | D A | Non QM | Non QM | No |
|  | 20251357 |  |  |  | 34095442 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing third party verification of business dated within 30 calendar days prior to the Note date. |  |  |  | Reviewer Comment (2025-06-10): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-06): VOE | 06/10/2025 |  |  | 1 C A |  | CO | Primary | Purchase | D A | Non QM | Non QM | No |
|  | 20251368 |  |  |  | 34095446 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-27): [Redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-06-26): See cure provided<br>Reviewer Comment (2025-06-17): [Redacted] Received Cure Docs for $[Redacted]; however, overall cure required for [Redacted]% fees is $[Redacted]. Provide Cure Docs for $[Redacted]. Cure Docs Consists of PCCD, LOE, Refund Check and Proof of Mailing.<br>Buyer Comment (2025-06-16): See docs provided<br>Reviewer Comment (2025-06-06): [Redacted] received LOE, [Redacted]% tolerance cure is required due to addition of title - abstract fee and title - settlement fee on CD dated [Redacted]. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-06-05): See docs provided |  | 06/27/2025 |  | 2 C B |  | IA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 20251368 |  |  |  | 34095447 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-06): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception."<br>Buyer Comment (2025-06-05): See docs provided | 06/06/2025 |  |  | 1 C A |  | IA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 20251344 |  |  |  | 34095452 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Disclosed Amount Financed $[Redacted]. Calculated Amount Financed $[Redacted], Variance of $[Redacted]. |  |  |  | Reviewer Comment (2025-06-30): [Redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Buyer Comment (2025-06-27): See docs provided<br>Reviewer Comment (2025-06-13): Final CD shows Finance charge amount of $[Redacted]. Provided [Redacted] indicates finance charge of $[Redacted] . Calculations indicate a finance charge amount of $[Redacted]. Current under-disclosure is -$[Redacted]. Calculations include Escrow fee and filing fees. Cure required. |  | 06/30/2025 |  | 2 C B |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
|  | 20251344 |  |  |  | 34095453 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Disclosed Finance Charge of $[Redacted]. Calculated Finance Charge of $[Redacted]. Variance of -$[Redacted]. |  |  |  | Reviewer Comment (2025-06-30): [Redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Buyer Comment (2025-06-27): See docs provided<br>Reviewer Comment (2025-06-13): Final CD shows Finance charge amount of $[Redacted]. Provided [Redacted] indicates finance charge of $[Redacted]. Calculations indicate a finance charge amount of $[Redacted]. Current under-disclosure is -$[Redacted]. Calculations include Escrow fee and filing fees. Cure required.<br>Buyer Comment (2025-06-12): See docs provided |  | 06/30/2025 |  | 2 C B |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
|  | 20251342 |  |  |  | 34095458 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-06-09): Sufficient Cure Provided within [Redacted] Days of Closing |  | 06/09/2025 |  | 1 A |  | NV | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Non QM | Non QM | Yes |
|  | 20251342 |  |  |  | 34095459 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted]). The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $[Redacted] threshold. | Disclosed Total Of Payments $[Redacted]. Calculated Total of Payments $[Redacted]. Variance of -$[Redacted]. |  |  |  | Reviewer Comment (2025-07-03): [Redacted] received Final Settlement Statement confirming lender credits and final for fees on appraisal fee confirming cure at disbursement.<br>Reviewer Comment (2025-07-01): [Redacted] received Final Settlement Statement confirming lender cure. As this is a post close cure, and a material disclosure violation, we should be provided a copy of the LOE that accompanied the [Redacted] Post Close CD explaining the violation and cure for the TOP violation to finalize cure requirements for material disclosure violations. PCCD and proof of receipt of cure on FSS cures portion of documentation.<br>Buyer Comment (2025-06-30): The lender cure $[Redacted] applied was part of the disbursement and borrower did receive the benefit. Attached Final SS with the Lender cure.<br>Reviewer Comment (2025-06-26): Please provide copy of LOE, refund check or signed, stamped closing statement verifying cure amount to complete cure. | 07/03/2025 |  |  | 1 C A |  | NV | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
|  | 20251337 |  |  |  | 34095460 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | File is missing a copy of initial signed 1003 |  |  |  | Reviewer Comment (2025-06-20): Received and associated 1003 Initial - Lender's. Exception cleared.<br>Buyer Comment (2025-06-18): See docs provided | 06/20/2025 |  |  | 1 B A |  | OR | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251337 |  |  |  | 34095461 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | File is missing a copy of Flood Certificate |  |  |  | Reviewer Comment (2025-06-18): Received and associated Flood Certificate. Exception Cleared.<br>Buyer Comment (2025-06-16): See docs provided | 06/18/2025 |  |  | 1 C A |  | OR | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251337 |  |  |  | 34095462 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | File is missing a copy of Verification of Rent (VOR) |  |  |  | Reviewer Comment (2025-06-18): Received and associated Verification of Rent (VOR) document verify 12 months rental history for Primary property. Exception Cleared.<br>Buyer Comment (2025-06-16): See VOR provided | 06/18/2025 |  |  | 1 C A |  | OR | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251337 |  |  |  | 34095464 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-24): [Redacted] received SSPL<br>Buyer Comment (2025-06-23): See docs provided<br>Reviewer Comment (2025-06-19): [Redacted] received LOX. However, unable to determine if borrower shopped for service as SSPL is missing from file. Tolerance category will be reevaluated when SPPL is received.<br>Buyer Comment (2025-06-18): See docs provided | 06/24/2025 |  |  | 1 C A |  | OR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 20251337 |  |  |  | 34095465 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-19): [Redacted] received a valid COC.<br>Buyer Comment (2025-06-18): See docs provided | 06/19/2025 |  |  | 1 C A |  | OR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 20251337 |  |  |  | 34095466 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | File is missing a copy of Service provider list. |  |  |  | Reviewer Comment (2025-06-24): [Redacted] received SSPL | 06/24/2025 |  |  | 1 A |  | OR | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
|  | 20251337 |  |  |  | 34095468 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | File is missing a copy of E-Sign Consent Agreement |  |  |  | Reviewer Comment (2025-06-20): Received and associated E-Sign Consent Agreement. Exception cleared.<br>Buyer Comment (2025-06-18): See docs provided | 06/20/2025 |  |  | 1 C A |  | OR | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251337 |  |  |  | 34095469 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing validation of the license/PTIN for preparer of the CPA letter. |  |  |  | Reviewer Comment (2025-06-20): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-18): See docs provided | 06/20/2025 |  |  | 1 C A |  | OR | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251359 |  |  |  | 34095471 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. |  |  |  | Reviewer Comment (2025-06-17): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-06-16): See docs provided | 06/17/2025 |  |  | 1 C A |  | NH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 20251359 |  |  |  | 34095475 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-06-20): Received and associated Flood Certificate. Exception Cleared.<br>Buyer Comment (2025-06-18): See docs provided | 06/20/2025 |  |  | 1 C A |  | NH | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20251359 |  |  |  | 34095476 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-17): Sufficient Cure Provided At Closing |  | 06/17/2025 |  | 1 A |  | NH | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20251405 |  |  |  | 34095479 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. |  |  |  |  | Reviewer Comment (2025-07-23): Exception cleared based on attorney affidavit confirming error with notary date on Mortgage which should have read [Redacted] instead of [Redacted]. Under [Redacted] date, loan meets rescission timing requirements.<br>Buyer Comment (2025-07-21): please see affidavit uploaded<br>Reviewer Comment (2025-07-07): The consumer may exercise their right to rescind until midnight of the third business day following the latest of three events: (1) consummation, (2) delivery of the Rescission Notice, or (3) delivery of all accurate material disclosures (CD).<br>Consummation is determined as when the consumer becomes contractually obligated on the transaction which, in our discussions with outside counsel, occurs when they sign the Note. As the Note does not typically contain an actual signature date, but is generally signed along with the Mortgage, our default testing for Consummation Date will be when the Mortgage is notarized, under the premise both the Mortgage and Note were signed on the same day. Despite the Closing Statement showing [Redacted] as the Closing Date, the Mortgage is notarized on [Redacted] so there's an obvious discrepancy somewhere.<br>If the Mortgage was notarized with the wrong date in error, these types of issues are typically addressed with a [Redacted] Affidavit identifying the incorrect date that was completed by the notary and the correct date. Depending on the county, these are often recorded to augment the existing security instrument, but the security instrument is not re-recorded. The title company involved in the transaction can probably provide guidance for the specific county.<br> With the [Redacted] Affidavit completed by the Notary, we can alter the date for the compliance testing if signing actually took place on [Redacted].<br>Buyer Comment (2025-07-02): See docs provided | 07/23/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
|  | 20251405 |  |  |  | 34095480 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Loan was disbursed prior to midnight of third business day after consummation. Lender to re-open rescission, provide copy of new right to cancel form, copy of letter of explanation sent to borrower, and proof of delivery. Note: This exception will not be cleared until expiration of new rescission period |  |  |  | Reviewer Comment (2025-07-23): Exception cleared based on attorney affidavit confirming error with notary date on Mortgage which should have read [Redacted] instead of [Redacted]. Under [Redacted] date, loan meets rescission timing requirements.<br>Buyer Comment (2025-07-21): affidavit uploaded<br>Reviewer Comment (2025-07-07): The consumer may exercise their right to rescind until midnight of the third business day following the latest of three events: (1) consummation, (2) delivery of the Rescission Notice, or (3) delivery of all accurate material disclosures (CD).<br>Consummation is determined as when the consumer becomes contractually obligated on the transaction which, in our discussions with outside counsel, occurs when they sign the Note. As the Note does not typically contain an actual signature date, but is generally signed along with the Mortgage, our default testing for Consummation Date will be when the Mortgage is notarized, under the premise both the Mortgage and Note were signed on the same day. Despite the Closing Statement showing [Redacted] as the Closing Date, the Mortgage is notarized on [Redacted] so there's an obvious discrepancy somewhere.<br>If the Mortgage was notarized with the wrong date in error, these types of issues are typically addressed with a [Redacted] Affidavit identifying the incorrect date that was completed by the notary and the correct date. Depending on the county, these are often recorded to augment the existing security instrument, but the security instrument is not re-recorded. The title company involved in the transaction can probably provide guidance for the specific county.<br> With the [Redacted] Affidavit completed by the Notary, we can alter the date for the compliance testing if signing actually took place on [Redacted].<br>Buyer Comment (2025-07-02): See docs provided | 07/23/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
|  | 20251405 |  |  |  | 34095482 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing executed RTC from [Redacted]. |  |  |  | Reviewer Comment (2025-06-25): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-24): Please see attached Right to Rescind | 06/25/2025 |  |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20251345 |  |  |  | 34095485 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing 4506 C for [Redacted], both borrowers. |  |  |  | Reviewer Comment (2025-06-20): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-18): See docs provided | 06/20/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20251345 |  |  |  | 34095486 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing 4506 C for [Redacted], both borrowers. |  |  |  | Reviewer Comment (2025-06-20): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-18): See docs provided | 06/20/2025 |  |  | 1 B A C |  | WA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 20251345 |  |  |  | 34095487 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing 4506 C for [Redacted], both borrowers. |  |  |  | Reviewer Comment (2025-06-20): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-18): See docs provided | 06/20/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20251418 |  |  |  | 34095491 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing 12 month rental history of prior primary residence. If private landlord, a copy of the lease and 12 months cancelled checks/bank statements required. |  |  |  | Reviewer Comment (2025-06-20): Received and associated Verification of Rent (VOR) document verify 12 months rental history for Primary property. Exception Cleared.<br>Buyer Comment (2025-06-18): See docs provided | 06/20/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251379 |  |  |  | 34095493 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-06-24): Received and associated Title Supplemental with title policy amount $[Redacted]. Exception cleared.<br>Buyer Comment (2025-06-20): title uploaded with loan amount | 06/24/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251379 |  |  |  | 34095495 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $118.00 exceeds tolerance of $70.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-16): Sufficient Cure Provided At Closing |  | 06/16/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20251379 |  |  |  | 34095496 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Two months statements required per guidelines. |  |  |  | Reviewer Comment (2025-06-25): Received bank statement account number#[Redacted] is showing borrower account is open on [Redacted]. However, borrower cannot provide two months bank statements. Exception Cleared.<br>Buyer Comment (2025-06-20): statements uploaded | 06/25/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251371 |  |  |  | 34095497 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing verification of Insurance. |  |  |  | Reviewer Comment (2025-07-02): Received and associated updated 1003 Final,1008 and Insurance Verification for REO property "[Redacted]". Exception Cleared.<br>Buyer Comment (2025-06-30): See docs provided<br>Reviewer Comment (2025-06-24): Provided Insurance Verification document reflects [Redacted] loan, Tax Verification$[Redacted]. however, final 1003 listed other payment as $[Redacted]. Please provide supporting document for other payment of $[Redacted]. Exception remains<br>Buyer Comment (2025-06-20): See docs provided | 07/02/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20251371 |  |  |  | 34095500 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing borrower's percentage of business ownership. |  |  |  | Reviewer Comment (2025-07-15): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-12): [Redacted]% owner- please see narrative and license | 07/15/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20251339 |  |  |  | 34095502 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Please accept as is. |  |  |  | Reviewer Comment (2025-06-20): Client accepts as is.<br>Buyer Comment (2025-06-18): Accepted as is: Tax returns in file for [Redacted]. Tax extension was filed timely for [Redacted] and prior to closing." |  |  |  | 2 B |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251339 |  |  |  | 34095503 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). |  |  |  | Reviewer Comment (2025-07-07): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD.<br>Buyer Comment (2025-07-03): Per Lender: <br> [Redacted] ($[Redacted])fee should not be an APR fee, therefore the refund should only be $[Redacted]<br>Reviewer Comment (2025-07-01): PCCD dated [Redacted] received with no additional cure docs. Please provide LOE notifying borrower of finance charge under disclosure, copy of refund check in the amount of $[Redacted] and proof of mailing.<br>Buyer Comment (2025-06-30): See docs provided |  | 07/07/2025 |  | 2 C B |  | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
|  | 20251339 |  |  |  | 34095504 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). |  |  |  | Reviewer Comment (2025-07-07): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD.<br>Buyer Comment (2025-07-03): cure docs attached<br>Buyer Comment (2025-07-03): Per Lender: <br> [Redacted]($[Redacted])fee should not be an APR fee, therefore the refund should only be $[Redacted]<br>Reviewer Comment (2025-07-01): PCCD dated [Redacted] received with no additional cure docs. Please provide LOE notifying borrower of finance charge under disclosure, copy of refund check in the amount of $[Redacted] and proof of mailing.<br>Buyer Comment (2025-06-30): See docs provided |  | 07/07/2025 |  | 2 C B |  | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
|  | 20251339 |  |  |  | 34095506 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-17): Sufficient Cure Provided At Closing |  | 06/17/2025 |  | 1 A |  | IL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 20251339 |  |  |  | 34095507 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing royalty contract, agreement or statement confirming amount, frequency and duration of the income. |  |  |  | Reviewer Comment (2025-07-08): Lender explanation provided, exception cleared.<br>Buyer Comment (2025-07-03): See docs provided<br>Reviewer Comment (2025-06-30): Provide a lender exception to allow documentation provided as opposed to the required documents required per fnma.<br>Buyer Comment (2025-06-26): See response from lender: We are seeing the royalty agreement condition as well, but the letter in file is what we utilized in place of the contracts. The letter does state the income is steady and clearly explains that each royalty has a different payment schedule. The actual income calculation is spelled out within UW comments:<br>[Redacted]\*[Redacted]% (using net calculation per DD) = $[Redacted]/[Redacted] = $[Redacted]/ [Redacted]= $[Redacted]<br>\*Per divorce decree borrower is only entitled to [Redacted]% of marital portfolio and throughout that section the royalties are repeatedly referenced | 07/08/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251401 |  |  |  | 34095511 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please explain borrower's housing history and verify 12 months housing history. 4 months cancelled checks in file for current rent, last activity on credit for prior mtg was from [Redacted]. |  |  |  | Reviewer Comment (2025-07-07): An LOE was provided detailing housing history<br>Buyer Comment (2025-07-03): LOE | 07/07/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251334 |  |  |  | 34095516 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Loan is to be securitized. Secondary valuation is missing |  |  |  | Reviewer Comment (2025-06-24): Received secondary valuation CDA with value $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-06-20): CDA supporting value.<br>Buyer Comment (2025-06-20): attached | 06/24/2025 |  |  | 1 D A |  | CA | Primary | Purchase | D A | Non QM | Non QM | No |
|  | 20251420 |  |  |  | 34095528 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-06-25): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-23): Revised title policy | 06/25/2025 |  |  | 1 B A |  | MI | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251420 |  |  |  | 34095529 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing 12 months housing history. |  |  |  | Reviewer Comment (2025-07-01): Documentation and explanation provided to show borrower owned property prior to renting, exception cleared.<br>Buyer Comment (2025-06-27): I have provided the final cd showing the sale of [Redacted] along with the rent payments. The borrower sold the home in the name of the [Redacted] they own and also attached proof they are the owner of the [Redacted].<br>Buyer Comment (2025-06-27): I have provided the final cd showing the sale of [Redacted] along with the rent payments. The borrower sold the home in the name of the [Redacted] they own and also attached proof they are the owner of the [Redacted] .<br>Reviewer Comment (2025-06-25): No new documentation provided.<br>Buyer Comment (2025-06-23): Please see the attached VOR documentation w/proof of previous residence sold. | 07/01/2025 |  |  | 1 C A |  | MI | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251413 |  |  |  | 34095534 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan is at risk for ATR fail due to insufficient asset documentation. |  |  |  | Reviewer Comment (2025-06-24): Loan is Non-QM.<br>Buyer Comment (2025-06-20): See final CD - loan didn't disburse until [Redacted]. Gift was received prior to disbursement | 06/24/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
|  | 20251413 |  |  |  | 34095535 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. | Asset documentation in file reflects receipt of gift funds after closing. |  |  |  | Buyer Comment (2025-06-25): Gift funds received prior to disbursement<br>Reviewer Comment (2025-06-25): Please accept as is.<br>Reviewer Comment (2025-06-24): Regraded to EV2-B based on comp factors and no expectation of repayment for gift funds.<br>Buyer Comment (2025-06-20): See final CD - loan didn't disburse until [Redacted]. Gift was received prior to disbursement |  |  |  | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251393 |  |  |  | 34095537 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Rider - Other document not provided |  |  |  | Reviewer Comment (2025-06-24): Received and associated Rider-Addendum to Adjustable Rate Rider. Exception Cleared.<br>Buyer Comment (2025-06-20): see other rider provided<br>Buyer Comment (2025-06-20): See other rider | 06/24/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 20251393 |  |  |  | 34095540 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-06-25): [Redacted] received [Redacted] Initial CD, 3 business days prior to the consummation.<br>Buyer Comment (2025-06-24): Please see attached CD dated [Redacted] | 06/25/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure A | Non QM | Non QM | No |
|  | 20251417 |  |  |  | 34095541 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-20): Sufficient Cure Provided At Closing |  | 06/20/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20251417 |  |  |  | 34095542 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM loan program disclosure dated [Redacted] not provided to the borrower within three (3) days of application date of [Redacted]. |  |  |  | Reviewer Comment (2025-06-26): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-24): see docs provided | 06/26/2025 |  |  | 1 C A |  | TX | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
|  | 20251417 |  |  |  | 34095544 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-06-26): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-24): See title provided | 06/26/2025 |  |  | 1 B A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251417 |  |  |  | 34095545 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Insufficient assets verified to meet reserve requirement. Missing evidence of receipt of gift in the amount of $[Redacted], and missing cash flow analysis for use of business funds. |  |  |  | Reviewer Comment (2025-06-27): Documentation provided; exception cleared.<br>Reviewer Comment (2025-06-26): Still slightly short on reserves. Provide evidence of POCs.<br>Reviewer Comment (2025-06-26): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted] .<br>Buyer Comment (2025-06-25): See docs provided<br>Buyer Comment (2025-06-24): See cash flow provided - still pending gift funds | 06/27/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251417 |  |  |  | 34095546 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient assets verified to meet reserve requirement. Missing evidence of receipt of gift in the amount of $[Redacted], and missing cash flow analysis for use of business funds. |  |  |  | Reviewer Comment (2025-06-27): Documentation provided; exception cleared.<br>Reviewer Comment (2025-06-26): Still slightly short on reserves. Provide evidence of POCs.<br>Buyer Comment (2025-06-25): See docs provided | 06/27/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 20251417 |  |  |  | 34095547 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient assets verified to meet reserve requirement. Missing evidence of receipt of gift in the amount of $[Redacted], and missing cash flow analysis for use of business funds. |  |  |  | Reviewer Comment (2025-06-27): Documentation provided; exception cleared.<br>Reviewer Comment (2025-06-26): Still slightly short on reserves. Provide evidence of POCs.<br>Buyer Comment (2025-06-25): See docs provided | 06/27/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251369 |  |  |  | 34095552 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). |  |  |  | Reviewer Comment (2025-06-30): [Redacted] received statement of fee purpose.<br>Buyer Comment (2025-06-27): See docs provided | 06/30/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
|  | 20251369 |  |  |  | 34095553 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). |  |  |  | Reviewer Comment (2025-06-30): [Redacted] received statement of fee purpose.<br>Buyer Comment (2025-06-27): See docs provided | 06/30/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
|  | 20251369 |  |  |  | 34095554 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $[Redacted] may be required. | Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $[Redacted] may be required. |  |  |  | Reviewer Comment (2025-06-30): [Redacted] received LE.<br>Buyer Comment (2025-06-27): See docs provided | 06/30/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
|  | 20251369 |  |  |  | 34095555 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fees added or increased without a valid COC, no cure provided. |  |  |  | Reviewer Comment (2025-06-30): [Redacted] received LE.<br>Buyer Comment (2025-06-27): See docs provided | 06/30/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 20251369 |  |  |  | 34095556 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fees added or increased without a valid COC, no cure provided. |  |  |  | Reviewer Comment (2025-06-30): [Redacted] received LE.<br>Buyer Comment (2025-06-27): See docs provided | 06/30/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 20251369 |  |  |  | 34095558 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted].Provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-07-11): Received and Associated Replacement Cost Estimator document with $[Redacted] . Exception cleared.<br>Buyer Comment (2025-07-09): RCE uploaded<br>Reviewer Comment (2025-06-26): HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. Exception remains.<br>Buyer Comment (2025-06-24): See docs provided | 07/11/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20251367 |  |  |  | 34095569 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Transaction completed as a Rate/Term refinance at [Redacted]% LTV with a buyout agreement, lender exception in file. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | $[Redacted]residual income.<br>DTI is [Redacted]% below guideline max. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-26): Lender exceptions in file. |  |  | 06/26/2025 | 2 B |  | NY | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
|  | 20251367 |  |  |  | 34095570 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Two disputed accounts remaining on credit, lender exception in file. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | $[Redacted]residual income.<br>DTI is [Redacted]% below guideline max. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-26): Lender exceptions in file. |  |  | 06/26/2025 | 2 B |  | NY | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
|  | 20251385 |  |  |  | 34095578 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Business Funds were used for closing. Require CPA or cash flow analysis and Borrower letter stating use of Business funds will not negatively affect the Business. |  |  |  | Reviewer Comment (2025-07-09): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-07): See lenders explanation: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted] . EXCEPTION INFO: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]<br>The Borrower had an additional Business Account: [Redacted] #[Redacted], that was not used because at the time UW felt it was not needed .<br>Investor already has the [Redacted] statement and attached you will find, [Redacted] Statement, updated 1003 and 1008 showing [Redacted] #[Redacted]now being used.<br>With this additional statement borrower will not be short funds for reserves.<br>Business Funds were used for closing. Require CPA or cash flow analysis and Borrower letter stating use of Business funds will not negatively affect the Business.<br>As for needed a CPA because Business funds were used for closing. This is not needed. As stated by the guidelines. <br>This is only required if the borrower is using business funds to cover down payment and closing cost. It does not state it's required if funds are being used for reserves.<br>The Business accounts are only be used to cover reserves requirements; therefore CPA is not required. We have enough Non-Business Liquid funds to cover downpayment and funds to close.<br>$[Redacted] [Redacted]<br>+$[Redacted][Redacted]<br>+$[Redacted] [Redacted]<br>$[Redacted] Non-Business Liquid Funds<br>$[Redacted] Non-Business Liquid Funds<br>-$[Redacted] Funds to close<br>-$[Redacted] [Redacted] account<br>-$[Redacted] POC Haz Ins Premium<br>-$[Redacted] POC Appraisal Fee<br>$[Redacted] Left Over Non Business Liquid Funds + [Redacted] #[Redacted] $[Redacted] + [Redacted] #[Redacted] $[Redacted] = $[Redacted] / PITI $[Redacted] = [Redacted] months in reserves. | 07/09/2025 |  |  | 1 C A |  | NV | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251385 |  |  |  | 34095579 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing Business Narrative document. |  |  |  | Reviewer Comment (2025-07-09): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-07): See docs provided | 07/09/2025 |  |  | 1 C A |  | NV | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251385 |  |  |  | 34095580 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation discrepancy due to missing income and asset documentation. Missing Business Narrative document. Require CPA or Borrower letter stating use of Business funds will not negatively affect the Business. |  |  |  | Reviewer Comment (2025-07-09): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-07): See lenders explanation: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted] . EXCEPTION INFO: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted] <br>The Borrower had an additional Business Account: [Redacted] #[Redacted], that was not used because at the time UW felt it was not needed .<br>Investor already has the [Redacted] statement and attached you will find, [Redacted] Statement, updated 1003 and 1008 showing [Redacted] #[Redacted] now being used.<br>With this additional statement borrower will not be short funds for reserves.<br>Business Funds were used for closing. Require CPA or cash flow analysis and Borrower letter stating use of Business funds will not negatively affect the Business.<br>As for needed a CPA because Business funds were used for closing. This is not needed. As stated by the guidelines. <br>This is only required if the borrower is using business funds to cover down payment and closing cost. It does not state it's required if funds are being used for reserves.<br>The Business accounts are only be used to cover reserves requirements; therefore CPA is not required. We have enough Non-Business Liquid funds to cover downpayment and funds to close.<br>$[Redacted] [Redacted] [Redacted] <br>+$[Redacted] [Redacted] [Redacted] <br>+$[Redacted] [Redacted] [Redacted] <br>$[Redacted] Non-Business Liquid Funds<br>$[Redacted] Non-Business Liquid Funds<br>-$[Redacted] Funds to close<br>-$[Redacted] [Redacted] account<br>-$[Redacted] POC Haz Ins Premium<br>-$[Redacted] POC Appraisal Fee<br>$[Redacted] Left Over Non Business Liquid Funds + [Redacted] #[Redacted] $[Redacted] + [Redacted] #[Redacted] $[Redacted] = $[Redacted] / PITI $[Redacted] = [Redacted] months in reserves.<br>Buyer Comment (2025-07-07): See lenders explanation: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. EXCEPTION INFO: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]<br>The Borrower had an additional Business Account: [Redacted]#[Redacted], that was not used because at the time UW felt it was not needed .<br>Investor already has the [Redacted] statement and attached you will find, [Redacted] Statement, updated 1003 and 1008 showing [Redacted] #[Redacted]now being used.<br>With this additional statement borrower will not be short funds for reserves.<br>Business Funds were used for closing. Require CPA or cash flow analysis and Borrower letter stating use of Business funds will not negatively affect the Business.<br>As for needed a CPA because Business funds were used for closing. This is not needed. As stated by the guidelines. <br>This is only required if the borrower is using business funds to cover down payment and closing cost. It does not state it's required if funds are being used for reserves.<br>The Business accounts are only be used to cover reserves requirements; therefore CPA is not required. We have enough Non-Business Liquid funds to cover downpayment and funds to close.<br>$[Redacted] [Redacted] [Redacted]<br>+$[Redacted] [Redacted] [Redacted]<br>+$[Redacted] [Redacted] [Redacted] <br>$[Redacted] Non-Business Liquid Funds<br>$[Redacted] Non-Business Liquid Funds<br>-$[Redacted] Funds to close<br>-$[Redacted] [Redacted] account<br>-$[Redacted] POC Haz Ins Premium<br>-$[Redacted] POC Appraisal Fee<br>$[Redacted] Left Over Non Business Liquid Funds + [Redacted] #[Redacted] $[Redacted] + [Redacted] #[Redacted] $[Redacted] = $[Redacted] / PITI $[Redacted]= [Redacted] months in reserves.<br>Buyer Comment (2025-07-07): See lenders explanation: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. EXCEPTION INFO: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]<br>The Borrower had an additional Business Account: [Redacted] #[Redacted], that was not used because at the time UW felt it was not needed .<br>Investor already has the [Redacted] statement and attached you will find, [Redacted] Statement, updated 1003 and 1008 showing [Redacted] #[Redacted] now being used.<br>With this additional statement borrower will not be short funds for reserves.<br>Business Funds were used for closing. Require CPA or cash flow analysis and Borrower letter stating use of Business funds will not negatively affect the Business.<br>As for needed a CPA because Business funds were used for closing. This is not needed. As stated by the guidelines. <br>This is only required if the borrower is using business funds to cover down payment and closing cost. It does not state it's required if funds are being used for reserves.<br>The Business accounts are only be used to cover reserves requirements; therefore CPA is not required. We have enough Non-Business Liquid funds to cover downpayment and funds to close.<br>$[Redacted] [Redacted][Redacted]<br>+$[Redacted][Redacted][Redacted]<br>+$[Redacted][Redacted][Redacted]<br>$[Redacted] Non-Business Liquid Funds<br>$[Redacted] Non-Business Liquid Funds<br>-$[Redacted] Funds to close<br>-$[Redacted] [Redacted] account<br>-$[Redacted] POC Haz Ins Premium<br>-$[Redacted] POC Appraisal Fee<br>$[Redacted] Left Over Non Business Liquid Funds + [Redacted] #[Redacted] $[Redacted] + [Redacted]#[Redacted] $[Redacted] = $[Redacted] / PITI $[Redacted] = [Redacted] months in reserves.<br>Buyer Comment (2025-07-07): See lenders explanation: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted] . EXCEPTION INFO: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted] <br>The Borrower had an additional Business Account: [Redacted] #[Redacted], that was not used because at the time UW felt it was not needed .<br>Investor already has the [Redacted]statement and attached you will find, [Redacted] Statement, updated 1003 and 1008 showing [Redacted] #[Redacted]now being used.<br>With this additional statement borrower will not be short funds for reserves.<br>Business Funds were used for closing. Require CPA or cash flow analysis and Borrower letter stating use of Business funds will not negatively affect the Business.<br>As for needed a CPA because Business funds were used for closing. This is not needed. As stated by the guidelines. <br>This is only required if the borrower is using business funds to cover down payment and closing cost. It does not state it's required if funds are being used for reserves.<br>The Business accounts are only be used to cover reserves requirements; therefore CPA is not required. We have enough Non-Business Liquid funds to cover downpayment and funds to close.<br>$[Redacted] [Redacted]<br>+$[Redacted] [Redacted]<br>+$[Redacted] [Redacted]<br>$[Redacted] Non-Business Liquid Funds<br>$[Redacted] Non-Business Liquid Funds<br>-$[Redacted] Funds to close<br>-$[Redacted] [Redacted] account<br>-$[Redacted] POC Haz Ins Premium<br>-$[Redacted] POC Appraisal Fee<br>$[Redacted] Left Over Non Business Liquid Funds + [Redacted] #[Redacted] $[Redacted]+ [Redacted]#[Redacted]$[Redacted]= $[Redacted]/ PITI $[Redacted]= [Redacted]months in reserves. | 07/09/2025 |  |  | 1 B A C |  | NV | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 20251385 |  |  |  | 34095581 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan is at ATR Risk due to missing income and asset documentation. Missing Business Narrative document. Require CPA or Borrower letter stating use of Business funds will not negatively affect the Business. |  |  |  | Reviewer Comment (2025-07-09): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-07): See lenders explanation: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted] . EXCEPTION INFO: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted] <br>The Borrower had an additional Business Account: [Redacted] #[Redacted], that was not used because at the time UW felt it was not needed .<br>Investor already has the [Redacted] statement and attached you will find, [Redacted] Statement, updated 1003 and 1008 showing [Redacted] #[Redacted]now being used.<br>With this additional statement borrower will not be short funds for reserves.<br>Business Funds were used for closing. Require CPA or cash flow analysis and Borrower letter stating use of Business funds will not negatively affect the Business.<br>As for needed a CPA because Business funds were used for closing. This is not needed. As stated by the guidelines. <br>This is only required if the borrower is using business funds to cover down payment and closing cost. It does not state it's required if funds are being used for reserves.<br>The Business accounts are only be used to cover reserves requirements; therefore CPA is not required. We have enough Non-Business Liquid funds to cover downpayment and funds to close.<br>$[Redacted] [Redacted] [Redacted] <br>+$[Redacted] [Redacted] [Redacted]<br>+$[Redacted] [Redacted] [Redacted] <br>$[Redacted] Non-Business Liquid Funds<br>$[Redacted] Non-Business Liquid Funds<br>-$[Redacted] Funds to close<br>-$[Redacted] [Redacted] account<br>-$[Redacted] POC Haz Ins Premium<br>-$[Redacted] POC Appraisal Fee<br>$[Redacted] Left Over Non Business Liquid Funds + [Redacted] #[Redacted] $[Redacted] + [Redacted] #[Redacted] $[Redacted] = $[Redacted] / PITI $[Redacted] = [Redacted] months in reserves.<br>Buyer Comment (2025-07-07): See lenders explanation: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted] . EXCEPTION INFO: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted] <br>The Borrower had an additional Business Account: [Redacted] #[Redacted], that was not used because at the time UW felt it was not needed .<br>Investor already has the [Redacted] statement and attached you will find, [Redacted] Statement, updated 1003 and 1008 showing [Redacted] #[Redacted]now being used.<br>With this additional statement borrower will not be short funds for reserves.<br>Business Funds were used for closing. Require CPA or cash flow analysis and Borrower letter stating use of Business funds will not negatively affect the Business.<br>As for needed a CPA because Business funds were used for closing. This is not needed. As stated by the guidelines. <br>This is only required if the borrower is using business funds to cover down payment and closing cost. It does not state it's required if funds are being used for reserves.<br>The Business accounts are only be used to cover reserves requirements; therefore CPA is not required. We have enough Non-Business Liquid funds to cover downpayment and funds to close.<br>$[Redacted] [Redacted] [Redacted] <br>+$[Redacted] [Redacted] [Redacted] <br>+$[Redacted] [Redacted] [Redacted] <br>$[Redacted] Non-Business Liquid Funds<br>$[Redacted] Non-Business Liquid Funds<br>-$[Redacted] Funds to close<br>-$[Redacted] [Redacted] account<br>-$[Redacted] POC Haz Ins Premium<br>-$[Redacted] POC Appraisal Fee<br>$[Redacted] Left Over Non Business Liquid Funds + [Redacted] #[Redacted] $[Redacted] + [Redacted] #[Redacted] $[Redacted] = $[Redacted] / PITI $[Redacted] = [Redacted] months in reserves.<br>Buyer Comment (2025-07-07): See lenders explanation: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted] . EXCEPTION INFO: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted] <br>The Borrower had an additional Business Account: [Redacted] #[Redacted] , that was not used because at the time UW felt it was not needed .<br>Investor already has the [Redacted] statement and attached you will find, [Redacted] Statement, updated 1003 and 1008 showing [Redacted] # [Redacted]now being used.<br>With this additional statement borrower will not be short funds for reserves.<br>Business Funds were used for closing. Require CPA or cash flow analysis and Borrower letter stating use of Business funds will not negatively affect the Business.<br>As for needed a CPA because Business funds were used for closing. This is not needed. As stated by the guidelines. <br>This is only required if the borrower is using business funds to cover down payment and closing cost. It does not state it's required if funds are being used for reserves.<br>The Business accounts are only be used to cover reserves requirements; therefore CPA is not required. We have enough Non-Business Liquid funds to cover downpayment and funds to close.<br>$[Redacted] [Redacted] [Redacted]<br>+$[Redacted] [Redacted] [Redacted] <br>+$[Redacted] [Redacted] [Redacted] <br>$[Redacted] Non-Business Liquid Funds<br>$[Redacted] Non-Business Liquid Funds<br>-$[Redacted] Funds to close<br>-$[Redacted] [Redacted] account<br>-$[Redacted] POC Haz Ins Premium<br>-$[Redacted] POC Appraisal Fee<br>$[Redacted] Left Over Non Business Liquid Funds + [Redacted] #[Redacted] $[Redacted] + [Redacted] #[Redacted] $[Redacted] = $[Redacted] / PITI $[Redacted] = [Redacted] months in reserves.<br>Buyer Comment (2025-07-07): See lenders explanation: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted] . EXCEPTION INFO: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted] <br>The Borrower had an additional Business Account: [Redacted] #[Redacted], that was not used because at the time UW felt it was not needed .<br>Investor already has the [Redacted] statement and attached you will find, [Redacted] Statement, updated 1003 and 1008 showing [Redacted] #[Redacted]now being used.<br>With this additional statement borrower will not be short funds for reserves.<br>Business Funds were used for closing. Require CPA or cash flow analysis and Borrower letter stating use of Business funds will not negatively affect the Business.<br>As for needed a CPA because Business funds were used for closing. This is not needed. As stated by the guidelines. <br>This is only required if the borrower is using business funds to cover down payment and closing cost. It does not state it's required if funds are being used for reserves.<br>The Business accounts are only be used to cover reserves requirements; therefore CPA is not required. We have enough Non-Business Liquid funds to cover downpayment and funds to close.<br>$[Redacted] [Redacted] [Redacted] <br>+$[Redacted] [Redacted] [Redacted] <br>+$[Redacted] [Redacted] [Redacted] <br>$[Redacted] Non-Business Liquid Funds<br>$[Redacted] Non-Business Liquid Funds<br>-$[Redacted] Funds to close<br>-$[Redacted] [Redacted] account<br>-$[Redacted] POC Haz Ins Premium<br>-$[Redacted] POC Appraisal Fee<br>$[Redacted] Left Over Non Business Liquid Funds + [Redacted] #[Redacted] $[Redacted] + [Redacted] #[Redacted] $[Redacted] = $[Redacted] / PITI $[Redacted] = [Redacted] months in reserves. | 07/09/2025 |  |  | 1 C A |  | NV | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251404 |  |  |  | 34095583 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | Corrected Closing Disclosure provided on or after [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three business days prior to consummation. |  |  |  | Reviewer Comment (2025-07-11): [Redacted] received lender attestation that [Redacted] CD was title company balancing and not issued to borrower which reflected a blank APR. no change in APR<br>Buyer Comment (2025-07-11): See Uploaded Lender LOX and Final CD | 07/11/2025 |  |  | 1 C A |  | FL | Primary | Purchase | TRID timing exception, no remediation available. C A | Non QM | Non QM | No |
|  | 20251404 |  |  |  | 34095585 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-27): Sufficient Cure Provided At Closing |  | 06/27/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20251404 |  |  |  | 34095587 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Homeowner's coverage amount is $[Redacted] Estimated cost new per appraisal report is $[Redacted]. Coverage shortfall of $[Redacted]. Replacement cost statement provided on policy states coverage subject to policy limits and underwriting. Property in [Redacted]. No replacement cost estimate given per law. |  |  |  | Reviewer Comment (2025-07-15): Received and Associated Replacement Cost Estimator document with $[Redacted] . Exception cleared.<br>Buyer Comment (2025-07-11): See uploaded Homeowner report with HOI data | 07/15/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251404 |  |  |  | 34095588 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax and Insurance verification was not provided. |  |  |  | Reviewer Comment (2025-07-18): Received and associated updated final 1003 and Tax Verification with LOE. Exception Cleared.<br>Buyer Comment (2025-07-16): See Uploaded Appraisal Summary, Tax Cert, LOX and Updated 1003<br>Reviewer Comment (2025-07-15): Received mortgage statement shows borrower is not obligated for mortgage payment. However As per final 1003 total other monthly payment of $[Redacted], Please provide supporting documents to verify the payments$[Redacted] or provide corrected 1003 for REO #[Redacted]. Exception Remains.<br>Buyer Comment (2025-07-11): See uploaded mortgage statement<br>Reviewer Comment (2025-07-08): As per final 1003 P&I is free and clear. Please provide Tax and Insurance Verification for REO Property "[Redacted]". Exception remains<br>Buyer Comment (2025-07-03): Please see attached | 07/18/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251353 |  |  |  | 34095593 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower at least three business days prior to closing. |  |  |  | Reviewer Comment (2025-07-03): [Redacted] received [Redacted] initial CD<br>Buyer Comment (2025-07-02): final CD | 07/03/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
|  | 20251365 |  |  |  | 34095599 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing verification of the existence of Borrower's Business within 30 calendar days prior to the note date. |  |  |  | Reviewer Comment (2025-07-09): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-07): VVOE attached | 07/09/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251365 |  |  |  | 34095600 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan is an ATR Risk due to missing income documentation. Missing verification of the existence of Borrower's Business within 30 calendar days prior to the note date. |  |  |  | Reviewer Comment (2025-07-09): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-07): VVOE attached | 07/09/2025 |  |  | 1 B A C |  | NJ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 20251365 |  |  |  | 34095601 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan is an ATR Risk due to missing income documentation. Missing verification of the existence of Borrower's Business within 30 calendar days prior to the note date |  |  |  | Reviewer Comment (2025-07-09): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-07): VVOE attached | 07/09/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251409 |  |  |  | 34095603 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Missing third party verification of business for [Redacted]. |  |  |  | Reviewer Comment (2025-07-08): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-03): uploaded to [Redacted] | 07/08/2025 |  |  | 1 B A C |  | AZ | Second Home | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
|  | 20251409 |  |  |  | 34095604 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - S-Corp Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current S-Corp status due to most recent Tax Return end date is older than 120 days before Closing Date, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. | Missing third party verification of business for [Redacted]. |  |  |  | Reviewer Comment (2025-07-08): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-03): attached<br>Buyer Comment (2025-07-03): Verification of employment | 07/08/2025 |  |  | 1 C A |  | AZ | Second Home | Purchase | C A | Non QM | Non QM | No |
|  | 20251409 |  |  |  | 34095605 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - S-Corp Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current S-Corp status due to most recent Tax Return end date is older than 120 days before Closing Date, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. | Missing third party verification of business for [Redacted]. |  |  |  | Reviewer Comment (2025-07-08): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-03): uploaded to [Redacted]<br>Buyer Comment (2025-07-03): attached | 07/08/2025 |  |  | 1 C A |  | AZ | Second Home | Purchase | C A | Non QM | Non QM | No |
|  | 20251409 |  |  |  | 34095606 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Missing third party verification of business for [Redacted]. |  |  |  | Reviewer Comment (2025-07-08): Documentation provided; exception cleared. | 07/08/2025 |  |  | 1 A |  | AZ | Second Home | Purchase | C A | Non QM | Non QM | No |
|  | 20251395 |  |  |  | 34095610 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-07-11): [Redacted] Received Valid COC dated [Redacted] along with revised CD.<br>Buyer Comment (2025-07-09): please see uploaded docs from client | 07/11/2025 |  |  | 1 C A |  | IA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 20251395 |  |  |  | 34095611 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing [Redacted] YTD information for 1099 income. |  |  |  | Reviewer Comment (2025-07-22): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-18): See docs provided<br>Reviewer Comment (2025-07-14): No new documentation provided for this exception.<br>Buyer Comment (2025-07-10): See docs provided | 07/22/2025 |  |  | 1 C A |  | IA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251395 |  |  |  | 34095612 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing [Redacted] YTD income for 1099 income. |  |  |  | Reviewer Comment (2025-07-22): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-18): See docs provided<br>Reviewer Comment (2025-07-14): No new documentation provided for this exception.<br>Buyer Comment (2025-07-10): See docs provided | 07/22/2025 |  |  | 1 B A C |  | IA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 20251395 |  |  |  | 34095613 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing [Redacted] YTD income for 1099 income. |  |  |  | Reviewer Comment (2025-07-22): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-18): See docs provided<br>Reviewer Comment (2025-07-14): No new documentation provided for this exception.<br>Buyer Comment (2025-07-10): See docs provided<br>Reviewer Comment (2025-07-10): No new documentation provided for this exception.<br>Buyer Comment (2025-07-08): please see attached | 07/22/2025 |  |  | 1 C A |  | IA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251377 |  |  |  | 34095622 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-07-14): Received secondary valuation CDA with value $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-07-11): Sorry about that. Correct CDA supporting value.<br>Reviewer Comment (2025-07-11): Received CDA with incorrect subject property address. As per note subject property address is "[Redacted]", whereas the received CDA reflects "[Redacted]". Please provide CDA with subject property address. Exception remains.<br>Buyer Comment (2025-07-09): Attached<br>Buyer Comment (2025-07-09): CDA supporting value. | 07/14/2025 |  |  | 1 D A |  | GA | Primary | Purchase | D A | Non QM | Non QM | No |
|  | 20251412 |  |  |  | 34095629 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing Rent Free Letter |  |  |  | Reviewer Comment (2025-07-21): Documentation provided; exception cleared.<br>Buyer Comment (2025-07-21): Rent Free Letter uploaded again. Please review.<br>Reviewer Comment (2025-07-17): Please provide Rent Free Letter. Exception Remains.<br>Buyer Comment (2025-07-15): See uploaded Rent Free Letter | 07/21/2025 |  |  | 1 C A D |  | MS | Primary | Purchase | D A | Non QM | Non QM | No |
|  | 20251387 |  |  |  | 34104751 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  | Reviewer Comment (2025-08-06): [Redacted] received disclosures summary for LE sent via [Redacted].<br>Seller Comment (2025-08-04): [Redacted] - Entered comments in [Redacted]. Uploaded LOX to [Redacted]. Conversation Log, Audit History in [Redacted] & Action Log in [Redacted] eSign Console show - Initial Disclosure Package created [Redacted], three (3) business days from date of application - [Redacted] & sent to borrower [Redacted]. Manual Fulfillment completed [Redacted], which is three (3) business days from date of application - [Redacted]. Initial Disclosure Package was printed and sent via [Redacted][Redacted]. There is no timing issue - please review and clear. | 08/06/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 20250901 |  |  |  | 34253522 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the [Redacted], or District of [Redacted]) |  |  |  |  | Buyer Comment (2025-06-09): Seller acknowledges exception, no change to grading.<br>Reviewer Comment (2025-06-09): Title does not list current liens to confirm if correct ROR form was used. Exception remains.<br>Buyer Comment (2025-06-06): Please see attached, title commitment |  |  | 06/09/2025 | 2 B |  | WA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250901 |  |  |  | 34253523 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-06-09): Title commitment received. Exception cleared.<br>Buyer Comment (2025-06-09): Please see attached, title commitment<br>Reviewer Comment (2025-06-06): Received Title commitment with incomplete pages, however we would require Schedule B Part I- Requirements: and Schedule B Part-II-Exceptions: and a counter-signature by the company or its issuing agent that may be in electronic form. Exception remains.<br>Buyer Comment (2025-06-06): Please see attached, title commitment | 06/09/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250900 |  |  |  | 34253526 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | [Redacted]% fee violation due to an increase in the $[Redacted] fee(s). No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-06-11): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check.<br>Buyer Comment (2025-06-10): Please see the attachment. |  | 06/11/2025 |  | 2 C B |  | ME | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250898 |  |  |  | 34253528 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-01): CDA provided. | 07/01/2025 |  |  | 1 D A |  | CA | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250898 |  |  |  | 34253530 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  | Buyer Comment (2025-06-06): Seller acknowledges. No change to grading. |  |  | 06/06/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250898 |  |  |  | 34253531 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-07-01): CDA provided.<br>Reviewer Comment (2025-07-01): Valuation Received - [Redacted] | 07/01/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250897 |  |  |  | 34253533 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Buyer Comment (2025-06-10): seller accepts; no change to grading.<br>Reviewer Comment (2025-06-09): Exception was regraded to an EV2 at the client's request.<br>Reviewer Comment (2025-06-09): Final LE received timely, interim LE not received timely exception to EV2.<br>Buyer Comment (2025-06-06): Please regrade to Ev2/B as per [Redacted] compliance "Under 12 CFR 1026.19(e)(4)(ii) states: The creditor shall not provide a revised version of the disclosures required under paragraph (e)(1) of this section on or after the date on which the creditor provides the disclosures required under paragraph (f)(1) of this section. The consumer must receive any revised version of the disclosures required under paragraph (e)(1) of this section not later than four business days prior to consummation. Under SFA TRID GRID 4.0 Interim LE can be regraded to EV2 if Final LE delivered within timing requirements.<br> We will regrade non-final LE's to EV2's if the Final LE meets the 4 day timing requirements.<br> Management concurs and stated: as noted in the Scope of Work, [Redacted] reviews in accordance with the SFA TRID Grid which provides as follows with respect to revised LE timing. (Row 11)<br> Row 11 of TRID GRID 4.0 states: EV2-B Exception cited if: 1. Multiple revised LE's are provided and an interim revised LE (not the final LE) receipt date is received less than 4 business days prior to consummation "BUT" the final revised LE is received at least 4 business days prior to consummation." We have since provided proof that the Final LE was provided within required timing, and interim LE can be regraded once provided. |  |  | 06/10/2025 | 2 C B |  | AK | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250897 |  |  |  | 34253534 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Buyer Comment (2025-06-10): seller accepts; no change to grading.<br>Reviewer Comment (2025-06-09): Exception was regraded to an EV2 at the client's request.<br>Reviewer Comment (2025-06-09): Final LE received timely, interim LE not received timely exception to EV2.<br>Buyer Comment (2025-06-06): [Redacted]: please see the attachment. |  |  | 06/10/2025 | 2 C B |  | AK | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250895 |  |  |  | 34253542 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender credit was last disclosed as -$[Redacted] on the Loan Estimate, but was disclosed as -$[Redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-06-11): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2025-06-10): Please see the attached screen shots of our LOS pricing history from [Redacted]. Significant increase in loan on [Redacted] updated pricing per an increase in the LTV.<br>Reviewer Comment (2025-06-10): [Redacted] received rebuttal that change reason for loan amount. However, the lender credit did not change proportionately with the loan amount change and is not a valid reason for the lender credit decrease. Provide additional information to support a pricing change for the lender credit decrease or cure would be due.<br>Buyer Comment (2025-06-09): The loan amount increased from the $[Redacted] initially disclosed to the final loan amount of $[Redacted] on [Redacted] as disclosed. This resulted in a pricing change which updated the lender credits. | 06/11/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250894 |  |  |  | 34253549 |  | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  |  |  | Reviewer Comment (2025-06-11): Received IL Certificate of Compliance. Exception cleared.<br>Buyer Comment (2025-06-10): Please see attached anti-predatory lending cert. | 06/11/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250892 |  |  |  | 34253553 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-06-09): Seller acknowledges exception, no change in grading |  |  | 06/09/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | Good Faith Redisclosure C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250892 |  |  |  | 34253554 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-06-10): [Redacted] received proof of earlier electronic receipt.<br>Buyer Comment (2025-06-09): Please see the two screen shots attached of tracking items from our internal UW system. The first confirms the borrower received the [Redacted] on [Redacted]. That tracking item was then cancelled once the [Redacted] LE was issued. The second screen shot confirms receipt of the [Redacted] LE on [Redacted]. | 06/10/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250892 |  |  |  | 34253555 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-06-10): [Redacted] received proof of earlier electronic receipt.<br>Buyer Comment (2025-06-09): Please see the two screen shots attached of tracking items from our internal UW system. The first confirms the borrower received the [Redacted] on [Redacted]. That tracking item was then cancelled once the [Redacted]LE was issued. The second screen shot confirms receipt of the [Redacted] LE on [Redacted]. | 06/10/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250892 |  |  |  | 34253556 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Subject is in a Condominium Project and the Master Policy was not found. Please provide for review. |  |  |  | Reviewer Comment (2025-06-10): Provided Condo Master policy, Exception Cleared.<br>Buyer Comment (2025-06-09): Please see master policy active at closing attached<br>Buyer Comment (2025-06-09): Please see the two screen shots attached of tracking items from our internal UW system. The first confirms the borrower received the [Redacted] on [Redacted]. That tracking item was then cancelled once the [Redacted] LE was issued. The second screen shot confirms receipt of the [Redacted] LE on [Redacted].<br>Buyer Comment (2025-06-09): Please see the two screen shots attached of tracking items from our internal UW system. The first confirms the borrower received the [Redacted] on [Redacted]. That tracking item was then cancelled once the [Redacted]LE was issued. The second screen shot confirms receipt of the [Redacted] LE on [Redacted]. | 06/10/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250892 |  |  |  | 34253557 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject is in a Condominium Project. Please provide evidence of project approval. CPM printout does not indicate FNMA or Lender Approval has been obtained. |  |  |  | Reviewer Comment (2025-06-13): Per condo questionnaire, project passes FNMA limited condo review. Exception cleared.<br>Buyer Comment (2025-06-12): Please see the HOA Questionnaire attached. It was completed earlier in the year as it for for another transaction in the project, however, the information and details are the exact same as these are completed for the project and are not for a specific unit. Please use this to resolve the exception<br>Reviewer Comment (2025-06-11): Please provide evidence of client approval of the project. There was no HOA Questionnaire or Condo Documentation in file.<br>Buyer Comment (2025-06-11): [Redacted] only certifies loans on CPM for Type B Full Reviews. This specific loan was Type A and did not require us to obtain all the information that would be required in order to certify it on CPM | 06/13/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250891 |  |  |  | 34253558 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-07-02): final title received. | 07/02/2025 |  |  | 1 A |  | CA | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250891 |  |  |  | 34253559 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-06-06): Final Title policy received with coverage amount. Exception cleared.<br>Buyer Comment (2025-06-06): Please see the attached final title policy. | 06/06/2025 |  |  | 1 B A |  | CA | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250891 |  |  |  | 34253560 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-02): CDA received | 07/02/2025 |  |  | 1 D A |  | CA | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250891 |  |  |  | 34253562 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-06-06): Seller acknowledges the exception, no change to grading. |  |  | 06/06/2025 | 2 B |  | CA | Primary | Purchase | Good Faith Redisclosure D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250891 |  |  |  | 34253563 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-07-02): CDA received.<br>Reviewer Comment (2025-07-02): Valuation Received - [Redacted] | 07/02/2025 |  |  | 1 A |  | CA | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250890 |  |  |  | 34253565 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | The file was missing the third party verification for the co-borrower's Schedule C Personal Trainer business. Please provide for review. |  |  |  | Reviewer Comment (2025-06-11): Received documentation dated post close verifying borrower's Schedule C business is opened. This is acceptable per guidelines. Exception cleared.<br>Buyer Comment (2025-06-09): Please see attached, post close third party verification of self-employment. [Redacted] shows the business as 'open'. | 06/11/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250890 |  |  |  | 34253566 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. |  |  |  | Reviewer Comment (2025-06-11): Loan is SHQM(APOR).<br>Buyer Comment (2025-06-09): Please see attached, post close third party verification of self-employment. [Redacted] shows the business as 'open'. | 06/11/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250889 |  |  |  | 34253568 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-07): Received AVM | 07/07/2025 |  |  | 1 D A |  | TN | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250889 |  |  |  | 34253569 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | The file is missing the signed and dated Notice of Right to Cancel, please provide for review. |  |  |  | Reviewer Comment (2025-06-23): LOE, proof of delivery, and H-8 RTC provided. New rescission period has passed, exception cured.<br>Buyer Comment (2025-06-23): The rescission period has now closed on the ror forms provided on [Redacted]. Please clear. |  | 06/23/2025 |  | 2 C B |  | TN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250889 |  |  |  | 34253571 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure disclosed an amount financed of $[Redacted]; calculated amount financed is $[Redacted]. Variance of $[Redacted]. |  |  |  | Reviewer Comment (2025-06-23): Received PC CD, LOE, copy of the refund check, proof of delivery and rescission documentation. Exception cleared.<br>Buyer Comment (2025-06-23): The rescission period has now closed on the ror forms provided on [Redacted]. Please clear.<br>Reviewer Comment (2025-06-12): Received PCCD, LOE to the borrower, new RTC, shipping label, and copy of the check. Unable to review for a cure until we can determine [Redacted] has delivered the package to the borrowers (currently showing unsent by lender), and the new rescission period has ended.<br>Buyer Comment (2025-06-12): Please see the attached PCCD, cure check and shipping labels. |  | 06/23/2025 |  | 2 C B |  | TN | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250889 |  |  |  | 34253572 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure reflected a finance charge of $[Redacted]; calculated finance charge is $[Redacted]. Variance of $[Redacted]. |  |  |  | Reviewer Comment (2025-06-23): Received PC CD, LOE, copy of the refund check, proof of delivery and rescission documentation. Exception cleared.<br>Buyer Comment (2025-06-23): The rescission period has now closed on the ror forms provided on [Redacted]. Please clear.<br>Reviewer Comment (2025-06-12): Received PCCD, LOE to the borrower, new RTC, shipping label, and copy of the check. Unable to review for a cure until we can determine [Redacted] has delivered the package to the borrowers (currently showing unsent by lender), and the new rescission period has ended.<br>Buyer Comment (2025-06-12): Please see the attached PCCD, cure check and shipping labels. |  | 06/23/2025 |  | 2 C B |  | TN | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250889 |  |  |  | 34253573 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Drive-by BPO - Standard Form - 3 Days |  |  |  | Reviewer Comment (2025-07-07): Order Cancelled. | 07/07/2025 |  |  | 1 A |  | TN | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250889 |  |  |  | 34253574 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM does not support the value used to qualify. Vendor/FSD do not meet Fitch criteria. Sec ID: 11 |  | AVM Value is $[Redacted] |  |  |  | Reviewer Comment (2025-07-17): Received CDA | 07/17/2025 |  |  | 1 A |  | TN | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250889 |  |  |  | 34253575 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM does not support the value used to qualify. Vendor/FSD do not meet Fitch criteria. Sec ID: 91 |  | AVM Value is $[Redacted] |  |  |  | Reviewer Comment (2025-07-17): Received CDA | 07/17/2025 |  |  | 1 A |  | TN | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250889 |  |  |  | 34253576 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-07-17): Received CDA<br>Reviewer Comment (2025-07-17): Valuation Received - [Redacted] | 07/17/2025 |  |  | 1 A |  | TN | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250889 |  |  |  | 34253577 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 A B |  | TN | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250885 |  |  |  | 34253586 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-01): CDA provided. | 07/01/2025 |  |  | 1 D A |  | FL | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250885 |  |  |  | 34253588 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-07-01): CDA provided.<br>Reviewer Comment (2025-06-28): Valuation Received - [Redacted] | 07/01/2025 |  |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250883 |  |  |  | 34253592 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-06-06): Seller acknowledges exception, no change to grading. |  |  | 06/06/2025 | 2 B |  | NC | Primary | Refinance - Cash-out - Other | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250882 |  |  |  | 34253596 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-05-29): Seller acknowledges exception, with no change in grading |  |  | 05/29/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250881 |  |  |  | 34253597 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-01): CDA provided. | 07/01/2025 |  |  | 1 D A |  | NY | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250881 |  |  |  | 34253599 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-07-01): CDA provided.<br>Reviewer Comment (2025-06-30): Valuation Received - [Redacted] | 07/01/2025 |  |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250880 |  |  |  | 34253601 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Buyer Comment (2025-06-06): Seller acknowledges exception, with no change in grading |  |  | 06/06/2025 | 2 B |  | MO | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250880 |  |  |  | 34253603 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure disclosed a finance charge of $[Redacted]; calculated finance charge is $[Redacted]. Variance of $[Redacted]. Note - exception was cured with the post-close CD, however, not all cure documentation was provided in the file. |  |  |  | Reviewer Comment (2025-06-16): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-06-16): Please see the redisclosure pkg attached containing corrected TOP, Amount Financed and Finance Charge. it contains the check to cure along with new rescission forms. Please review and confirm everything looks correct, this should be ok to be cleared and approved once the new rescission period ends on [Redacted]<br>Reviewer Comment (2025-06-09): [Redacted] has reviewed the [Redacted] PCCD. Though the finance charge was updated, the issue is that at closing on the Final CD issued [Redacted], Doc ID [Redacted]), the lender disclosed an underdisclosed Finance Charge that was under tolerance threshold for which a cure is due to borrower. [Redacted] Final CD disclosed Finance Charge of $[Redacted] but calculated finance charge was $[Redacted] and was underdisclosed $[Redacted]. Cure documents would be a Corrected CD, LOE to borrower explaining the violation, copy of cure refund for total underdisclosure of $[Redacted] , proof of mailing and proof of reopening of rescission to all consumers as this is a material disclosure violation on a rescindable transaction.<br>Buyer Comment (2025-06-06): Please review page [Redacted]/[Redacted]which contains a PCCD which accurate Finance Charge, Amount Financed and TOP |  | 06/16/2025 |  | 2 C B |  | MO | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250880 |  |  |  | 34253604 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted]). The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $[Redacted] threshold. | Final Closing Disclosure disclosed a TOP of $[Redacted]; calculated TOP is $[Redacted]. Variance of $[Redacted]. Note - exception was cured with the post-close CD, however, not all cure documentation was provided in the file. |  |  |  | Reviewer Comment (2025-06-16): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Reviewer Comment (2025-06-09): [Redacted] has reviewed the [Redacted] PCCD. Though the finance charge was updated, the issue is that at closing on the Final CD issued [Redacted], Doc ID [Redacted]), the lender disclosed an underdisclosed Finance Charge that was under tolerance threshold for which a cure is due to borrower. [Redacted] Final CD disclosed Finance Charge of $[Redacted] but calculated finance charge was $[Redacted] and was underdisclosed $[Redacted] . Cure documents would be a Corrected CD, LOE to borrower explaining the violation, copy of cure refund for total underdisclosure of $[Redacted], proof of mailing and proof of reopening of rescission to all consumers as this is a material disclosure violation on a rescindable transaction.<br>Buyer Comment (2025-06-06): Please review page [Redacted]/[Redacted]which contains a PCCD which accurate Finance Charge, Amount Financed and TOP |  | 06/16/2025 |  | 2 C B |  | MO | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250880 |  |  |  | 34253605 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure disclosed an amount financed of $[Redacted]; calculated amount financed is $[Redacted]. Variance is $[Redacted]. Note - exception was cured with the post-close CD, however, not all cure documentation was provided in the file. |  |  |  | Reviewer Comment (2025-06-16): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-06-16): Please see the redisclosure pkg attached containing corrected TOP, Amount Financed and Finance Charge. it contains the check to cure along with new rescission forms. Please review and confirm everything looks correct, this should be ok to be cleared and approved once the new rescission period ends on [Redacted]<br>Reviewer Comment (2025-06-09): [Redacted] has reviewed the [Redacted] PCCD. Though the finance charge was updated, the issue is that at closing on the Final CD issued [Redacted], Doc ID [Redacted]), the lender disclosed an underdisclosed Finance Charge that was under tolerance threshold for which a cure is due to borrower. [Redacted] Final CD disclosed Finance Charge of $[Redacted] but calculated finance charge was $[Redacted] and was underdisclosed $[Redacted]. Cure documents would be a Corrected CD, LOE to borrower explaining the violation, copy of cure refund for total underdisclosure of $[Redacted] , proof of mailing and proof of reopening of rescission to all consumers as this is a material disclosure violation on a rescindable transaction.<br>Buyer Comment (2025-06-06): Please review page [Redacted]/[Redacted] which contains a PCCD which accurate Finance Charge, Amount Financed and TOP |  | 06/16/2025 |  | 2 C B |  | MO | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250879 |  |  |  | 34253608 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-06-09): [Redacted] received proof of receipt.<br>Buyer Comment (2025-06-06): Please see the attached from our LOS online documents portal, this confirms the client viewed the LE from [Redacted] on [Redacted]. | 06/09/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250878 |  |  |  | 34253611 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | [Redacted]% fee violation due to an increase to the recording fee on [Redacted]. No valid COC was provided for this change, nor evidence of cure. Provide a post-close CD reflecting the tolerance cure of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-06-18): Received post close CD reflecting required cure, LOE, refund check and evidence [Redacted] has picked up the package. Exception cured.<br>Buyer Comment (2025-06-18): Please see attached curing the issue. |  | 06/18/2025 |  | 2 C B |  | TN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250875 |  |  |  | 34253616 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-06-10): [Redacted] received proof of receipt.<br>Buyer Comment (2025-06-09): Please see attached, internal time stamp confirmation that the LE was viewed on [Redacted]<br>Reviewer Comment (2025-06-09): Provided proof of receipt appears to be for a different transaction as the borrower names are different. Please provide proof of receipt for this transaction currently under review.<br>Buyer Comment (2025-06-06): Please see attached, internal time stamp confirmation that the LE was viewed on [Redacted] | 06/10/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250871 |  |  |  | 34253621 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-01): [Redacted]nd value provided | 07/01/2025 |  |  | 1 D A |  | GA | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250871 |  |  |  | 34253623 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Drive-by BPO - Standard Form - 3 Days |  |  |  | Reviewer Comment (2025-07-01): BPO provided, exception cleared.<br>Reviewer Comment (2025-06-29): Valuation Received - [Redacted] | 07/01/2025 |  |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250871 |  |  |  | 34253624 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 6 |  | BPO value of $[Redacted] does not support origination value of $[Redacted]. |  |  |  | Reviewer Comment (2025-07-24): Received CDA | 07/24/2025 |  |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250871 |  |  |  | 34253625 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - 1 Day |  |  |  | Reviewer Comment (2025-07-24): Received CDA<br>Reviewer Comment (2025-07-24): Valuation Received - [Redacted] | 07/24/2025 |  |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250871 |  |  |  | 34253626 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 A B |  | GA | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250867 |  |  |  | 34253633 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-07-01): BPO provided. | 07/01/2025 |  |  | 1 D A |  | NC | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250867 |  |  |  | 34253635 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Drive-by BPO - Standard Form - 3 Days |  |  |  | Reviewer Comment (2025-07-01): BPO provided.<br>Reviewer Comment (2025-06-30): Valuation Received - [Redacted] | 07/01/2025 |  |  | 1 A |  | NC | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250867 |  |  |  | 34253636 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 6 |  | BPO of $[Redacted] does not support appraisal value of $[Redacted]. |  |  |  | Reviewer Comment (2025-07-24): Received cda. | 07/24/2025 |  |  | 1 A |  | NC | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250867 |  |  |  | 34253637 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - 1 Day |  |  |  | Reviewer Comment (2025-07-24): Received cda.<br>Reviewer Comment (2025-07-24): Valuation Received - [Redacted] | 07/24/2025 |  |  | 1 A |  | NC | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250867 |  |  |  | 34253638 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 A B |  | NC | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250866 |  |  |  | 34253640 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-06-12): Received documentation verifying receipt of the LE on [Redacted]. Exception cleared.<br>Buyer Comment (2025-06-11): Please see evidence the [Redacted] LE was received on [Redacted] attached. | 06/12/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250865 |  |  |  | 34253647 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-21): Sufficient Cure Provided At Closing |  | 05/21/2025 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250865 |  |  |  | 34253648 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-21): Sufficient Cure Provided At Closing |  | 05/21/2025 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250865 |  |  |  | 34253650 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Application was taken on [Redacted] |  |  |  | Reviewer Comment (2025-06-13): [Redacted] received earliest e-consent dated [Redacted].<br>Buyer Comment (2025-06-12): Additionally, the attached documentation confirms the borrowers consented to receive e - disclosures in [Redacted]. The subject property was a new build and the borrowers were engaged with the lender well before the application date. The e-consent has no expiration date, therefore the e-consent from [Redacted]is applicable to the [Redacted] disclosures.<br>Buyer Comment (2025-06-12): Please see the attached screenshot from the lenders LOS confirming the borrower received the "package consent form" on [Redacted].<br>Reviewer Comment (2025-06-11): [Redacted] received attestation for [Redacted] as not working day, however the consumer went through the eConsent process on [Redacted], the consumer acknowledged the receipt of the LE on [Redacted]. But the loan application date was [Redacted]. In the event the consumer had not provided eConsent by [Redacted], then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment 19(e)(1)(iv)-2. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over 3 business days and acknowledged over 3 business days. The LE would not have been provided electronically if borrower had not e-consented with the 3 business days after application.<br>Buyer Comment (2025-06-10): Please see the attached email attestation from the lender confirming their business hours.<br>Reviewer Comment (2025-06-10): [Redacted] received rebuittal comment. However, we also required attestation letter from the seller is needed. The attestation/letter should confirm that the lender is not open for business on [Redacted]. This attestation would allow us to test the disclosures within that timing category.<br>Buyer Comment (2025-06-09): The lender [Redacted] , is not open for business on [Redacted]. Therefore, the third business day after application is [Redacted]. | 06/13/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250864 |  |  |  | 34253651 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-07-01): BPO provided, exception cleared. | 07/01/2025 |  |  | 1 D A |  | CO | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250864 |  |  |  | 34253652 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-06-06): Received Title Commitment. Exception cleared.<br>Buyer Comment (2025-06-06): [Redacted]: provided final title commitment. | 06/06/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250864 |  |  |  | 34253654 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Drive-by BPO - Standard Form - 3 Days |  |  |  | Reviewer Comment (2025-07-01): BPO provided, exception cleared.<br>Reviewer Comment (2025-06-30): Valuation Received - [Redacted] | 07/01/2025 |  |  | 1 A |  | CO | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250863 |  |  |  | 34253657 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Buyer Comment (2025-06-09): Seller acknowledges the exception, no change to grading. |  |  | 06/09/2025 | 2 B |  | UT | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250863 |  |  |  | 34253658 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide the [Redacted] W-2 for the borrower. |  |  |  | Reviewer Comment (2025-06-10): [Redacted] W2 provided, exception cleared.<br>Buyer Comment (2025-06-09): Please see the attached W2. | 06/10/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250860 |  |  |  | 34253664 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-06-09): [Redacted] received proof of earlier electronic receipt<br>Buyer Comment (2025-06-06): Please see screen shot attached confirming the borrower received the [Redacted] LE on [Redacted] | 06/09/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250858 |  |  |  | 34253667 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Signed) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not signed by borrower(s). |  |  |  |  | Buyer Comment (2025-06-06): Seller acknowledges the exception, no change to grading. |  |  | 06/06/2025 | 2 B |  | OH | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250857 |  |  |  | 34253671 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-06-09): [Redacted] received proof of earlier electronic receipt.<br>Buyer Comment (2025-06-06): Please see the attached screenshot from the LOS confirming the [Redacted] LE was viewed by the borrower on [Redacted]. | 06/09/2025 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250854 |  |  |  | 34253675 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-06-09): Title provided. Exception no longer valid. | 06/09/2025 |  |  | 1 A |  | MI | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250854 |  |  |  | 34253676 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-06-06): Final Title policy received with coverage amount. Exception cleared.<br>Buyer Comment (2025-06-06): Please see the attached final title policy. | 06/06/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250854 |  |  |  | 34253677 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The third party verification of employment for 1120S business was not time stamped. |  |  |  | Reviewer Comment (2025-06-06): Received Third party verification with timestamped. Exception Cleared.<br>Buyer Comment (2025-06-06): Please see the attached screen shot from our LOS documents portal confirming the 3rd party verification was obtained on [Redacted] and meets guidelines. | 06/06/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250853 |  |  |  | 34253685 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender credit was last disclosed as -$-[Redacted] on the Loan Estimate, but was disclosed as $[Redacted]on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes |  |  |  | Reviewer Comment (2025-06-09): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2025-06-06): Please see attached, on [Redacted] the broker informed us the borrower had requested a decrease in the interest rate from [Redacted] to [Redacted] . This changed the points charged on the loan and eliminated the lender credit which was disclosed on the LE. | 06/09/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250853 |  |  |  | 34253686 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | [Redacted]% fee violation due to an increase in the [Redacted] fee(s). No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-06-09): [Redacted] received VCC. | 06/09/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250853 |  |  |  | 34253687 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $[Redacted] on the Loan Estimate, but was disclosed as $[Redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-06-09): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2025-06-06): Please see attached, on [Redacted] the broker informed us the borrower had requested a decrease in the interest rate from [Redacted] to [Redacted] . This changed the points charged on the loan and eliminated the lender credit which was disclosed on the LE. | 06/09/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250852 |  |  |  | 34253693 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-07-01): BPO provided, exception cleared. | 07/01/2025 |  |  | 1 D A |  | DE | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250852 |  |  |  | 34253694 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Drive-by BPO - Standard Form - 3 Days |  |  |  | Reviewer Comment (2025-07-01): BPO provided, exception cleared.<br>Reviewer Comment (2025-06-29): Valuation Received - [Redacted] | 07/01/2025 |  |  | 1 A |  | DE | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250851 |  |  |  | 34253696 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-01): CDA provided, exception cleared. | 07/01/2025 |  |  | 1 D A |  | CA | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250851 |  |  |  | 34253697 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to missing income documentation. |  |  |  | Reviewer Comment (2025-06-12): W-2 was provided to satisfy QM exception. Exception cleared.<br>Buyer Comment (2025-06-12): Please clear now that Income exception is complete. | 06/12/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250851 |  |  |  | 34253698 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2025-06-12): W-2 was provided to satisfy QM exception. Exception cleared.<br>Buyer Comment (2025-06-12): Please clear now that Income exception is complete. | 06/12/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250851 |  |  |  | 34253699 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | [Redacted] W2's for both [Redacted] and [Redacted]. Please provide for review. |  |  |  | Reviewer Comment (2025-06-06): Received W-2 of both the company for the year [Redacted]. Exception cleared.<br>Buyer Comment (2025-06-06): The [Redacted] W2 from [Redacted] can be found on page [Redacted]/[Redacted] of the loan images and the [Redacted] [Redacted] w2 is attached. | 06/06/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250851 |  |  |  | 34253700 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-07-01): CDA provided, exception cleared.<br>Reviewer Comment (2025-06-30): Valuation Received - [Redacted] | 07/01/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250850 |  |  |  | 34253702 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The third party verification of employment that was provided for the partnership income was not time stamped within 120 days of the note. Please provide evidence of when the lender obtained the verification for review. |  |  |  | Reviewer Comment (2025-06-06): Received the date the verification was obtained. Exception cleared.<br>Buyer Comment (2025-06-06): Please see the attachment. | 06/06/2025 |  |  | 1 C A |  | NH | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250849 |  |  |  | 34253704 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The third-party verification of employment for the borrower's business [Redacted] was not time stamped. |  |  |  | Reviewer Comment (2025-06-06): Received documentation verifying the date the verification was obtained.<br>Buyer Comment (2025-06-06): Please see the attached confirmation the self employment verification was completed within the required timeframe prior to closing. | 06/06/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250848 |  |  |  | 34253706 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-06-09): [Redacted] received proof of earlier electronic receipt.<br>Buyer Comment (2025-06-06): Please see the attached from our LOS online documents portal confirming the client viewed the LE from [Redacted] on [Redacted]. | 06/09/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250846 |  |  |  | 34253708 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-06-09): [Redacted] received proof of receipt.<br>Buyer Comment (2025-06-06): Please see attached, confirmation the LE was viewed on [Redacted]. | 06/09/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250846 |  |  |  | 34253710 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Loan to value discrepancy. |  | AUS reflects loan amount of $[Redacted]. Note has $[Redacted]. |  |  |  | Reviewer Comment (2025-06-09): Revised AUS provided to confirm correct LTV. Exception cleared.<br>Buyer Comment (2025-06-06): Please see attached, AUS findings with loan amount corrected. | 06/09/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250846 |  |  |  | 34253711 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender credit was last disclosed as -[Redacted] on the Loan Estimate, but was disclosed as -$[Redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-06-10): [Redacted] received rate lock snips for change in pricing.<br>Buyer Comment (2025-06-09): Please see attached, before and after pricing screens confirming the changes caused by the loan amount change.<br>Reviewer Comment (2025-06-09): [Redacted] received rebuttal, however lender credit change was not proportionate to the loan amount change. Though an LTV may change, the information did not state that there was a pricing/product/program change. Please provide additional sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-06-06): Please see page [Redacted] of the loan file. The loan amount changed which changed the points and pricing. | 06/10/2025 |  |  | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250845 |  |  |  | 34253712 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  |  |  |  | Reviewer Comment (2025-06-05): Property outside zip codes with fire damage and does not require PDI. Exception cleared. | 06/05/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250843 |  |  |  | 34253716 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-07-01): CDA provided, exception cleared. | 07/01/2025 |  |  | 1 D A |  | CA | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250843 |  |  |  | 34253719 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-07-01): CDA provided, exception cleared.<br>Reviewer Comment (2025-07-01): Valuation Received - [Redacted] | 07/01/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250841 |  |  |  | 34253723 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  | Buyer Comment (2025-06-06): seller accepts; no change to grading. |  |  | 06/06/2025 | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250840 |  |  |  | 34253725 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-06-09): [Redacted] received proof of earlier electronic receipt.<br>Buyer Comment (2025-06-06): Please see attached confirmation borrower received the loan estimate within the required timeframe. | 06/09/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250839 |  |  |  | 34253727 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-06-10): Title commitment was provided to satisfy exception. Exception cleared.<br>Buyer Comment (2025-06-10): Please see attached confirming it is the same property. The title commitment provided is for the subject property. Please review to clear this condition.<br>Reviewer Comment (2025-06-09): Received preliminary title report in the file with the subject property address of "[Redacted]", so kindly provide preliminary title report with the subject property address of "[Redacted]".Exception remains.<br>Buyer Comment (2025-06-09): Please see attached, title information as requested. | 06/10/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250839 |  |  |  | 34253728 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. |  |  |  | Reviewer Comment (2025-06-10): K-1 and business returns were provided to satisfy QM exception. Exception cleared.<br>Reviewer Comment (2025-06-10): Please provide K-1 document for [Redacted]. Exception Remains.<br>Buyer Comment (2025-06-09): Please see attachments; tax documents as requested. | 06/10/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250839 |  |  |  | 34253730 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | File is missing [Redacted] business returns and K-1s for borrower. [Redacted] 1040s for coborrower |  |  |  | Reviewer Comment (2025-06-10): K-1 and business returns were provided to satisfy exception. Exception cleared.<br>Buyer Comment (2025-06-10): Please see attached K-1.<br>Reviewer Comment (2025-06-10): Please provide K-1 document for [Redacted]. Exception Remains.<br>Buyer Comment (2025-06-09): Please see attached, business tax returns as requested.<br>Buyer Comment (2025-06-09): Please see attached, B2 1040s as requested | 06/10/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250839 |  |  |  | 34253733 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2025-06-10): K-1 and business returns were provided to satisfy QM exception. Exception cleared.<br>Reviewer Comment (2025-06-10): Please provide K-1 document for [Redacted]. Exception Remains.<br>Buyer Comment (2025-06-09): Please see attachments; tax documents as requested. | 06/10/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250839 |  |  |  | 34253735 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-06-11): Seller acknowledges exception, no change to grading. |  |  | 06/11/2025 | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250838 |  |  |  | 34253738 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-06-06): Seller acknowledges exception, no change in grading |  |  | 06/06/2025 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | Good Faith Redisclosure C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250838 |  |  |  | 34253739 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2025-06-09): Provided Hazard Insurance Policy, Exception Cleared.<br>Buyer Comment (2025-06-06): dec page attached | 06/09/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250838 |  |  |  | 34253742 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Mortgage Broker Fee was disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure, No evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted]. a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-06-10): [Redacted] received COC dated [Redacted] for loan amount change.<br>Buyer Comment (2025-06-09): Please see the screen shot attached reflecting the loan amount change from $[Redacted] to $[Redacted] on [Redacted]. This is the valid CIC for both the increase to the Mortgage Broker fee and Transfer Taxes<br>Reviewer Comment (2025-06-09): [Redacted] received insurance document. Kindly provide a valid COC as stated on comment for the fee increased on CD dated [Redacted] in order to clear the exception.<br>Buyer Comment (2025-06-06): The see the screen shot attached from our internal UW system. It confirms the loan amount change from $[Redacted]to $[Redacted]on [Redacted] which is a valid CIC for the increase in the Mortgage Broker fee | 06/10/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250838 |  |  |  | 34253743 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure, No evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted]. a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-06-10): [Redacted] received COC dated [Redacted] for loan amount change.<br>Buyer Comment (2025-06-09): Please see the screen shot attached reflecting the loan amount change from $[Redacted] to $[Redacted] on [Redacted]. This is the valid CIC for both the increase to the Mortgage Broker fee and Transfer Taxes<br>Reviewer Comment (2025-06-09): [Redacted] received insurance document. Kindly provide a valid COC as stated on comment for the fee increased on CD dated [Redacted] in order to clear the exception.<br>Buyer Comment (2025-06-06): The see the screen shot attached from our internal UW system. It confirms the loan amount change from $[Redacted] to $[Redacted] on [Redacted] which is a valid CIC for the increase in the Transfer Taxes | 06/10/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250837 |  |  |  | 34253744 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-06-06): Seller acknowledges the exception, no change to grading. |  |  | 06/06/2025 | 2 B |  | CA | Primary | Purchase | Good Faith Redisclosure C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250837 |  |  |  | 34253745 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-06-09): [Redacted] received proof of earlier electronic receipt.<br>Buyer Comment (2025-06-06): Please see the attached from our LOS online documents portal confirming the client viewed the LE from [Redacted] on [Redacted]. | 06/09/2025 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250836 |  |  |  | 34253748 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-06-09): [Redacted] received proof of receipt.<br>Buyer Comment (2025-06-06): Please see attached, internal confirmation [Redacted] viewed the Loan estimate on [Redacted] | 06/09/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250835 |  |  |  | 34253750 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Buyer Comment (2025-06-06): Seller acknowledges. No change to grading. |  |  | 06/06/2025 | 2 B |  | MD | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250835 |  |  |  | 34253752 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the secondary valuation required for securitization purposes |  |  |  | Reviewer Comment (2025-07-02): Received CDA | 07/02/2025 |  |  | 1 D A |  | MD | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250835 |  |  |  | 34253754 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-07-02): Received cda.<br>Reviewer Comment (2025-07-01): Valuation Received - [Redacted] | 07/02/2025 |  |  | 1 A |  | MD | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250834 |  |  |  | 34253756 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Buyer Comment (2025-06-06): seller accepts; no change to grading. |  |  | 06/06/2025 | 2 B |  | NH | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250834 |  |  |  | 34253758 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-06-06): seller accepts; no change to grading. |  |  | 06/06/2025 | 2 B |  | NH | Primary | Refinance - Cash-out - Other | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250830 |  |  |  | 34253764 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | The T-42 and T-42.1 endorsements were not included on the final title policy. |  |  |  | Buyer Comment (2025-06-09): Seller acknowledges the exception, no change to grading. |  |  | 06/09/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250830 |  |  |  | 34253765 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Buyer Comment (2025-06-11): Seller acknowledges the exception, no change to grading.<br>Reviewer Comment (2025-06-11): [Redacted] received proof of final LE issued [Redacted] electronically received on [Redacted] and within 4 business days of consummation. This interim LE did not receive proof of earlier receipt and mailbox rule in effect, but final LE received within timing, Regrade Exception to EV2-B.<br>Buyer Comment (2025-06-10): Our Redisclosure history verifies this LE was sent via online/electronic delivery and is considered received 3 business days after being sent per regulations which would be [Redacted] and [Redacted] |  |  | 06/11/2025 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250830 |  |  |  | 34253766 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Buyer Comment (2025-06-11): Seller acknowledges the exception, no change to grading.<br>Reviewer Comment (2025-06-11): [Redacted] received proof of final LE issued [Redacted] electronically received on [Redacted] and within 4 business days of consummation. This interim LE did not receive proof of earlier receipt and mailbox rule in effect, but final LE received within timing, Regrade Exception to EV2-B.<br>Buyer Comment (2025-06-10): Our Redisclosure history verifies this LE was sent via online/electronic delivery and is considered received 3 business days after being sent per regulations which would be [Redacted] and [Redacted] |  |  | 06/11/2025 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250830 |  |  |  | 34253767 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-06-11): [Redacted] received proof of earlier electronic receipt.<br>Buyer Comment (2025-06-10): Please see the attached screen shot from our LOS LE tracking item, this confirms the client acknowledged the [Redacted] LE on [Redacted]. | 06/11/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250830 |  |  |  | 34253768 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. |  |  |  | Reviewer Comment (2025-06-13): Post-close [Redacted] report provided showing the borrower's business is active. Post-close verification is acceptable per Fannie Mae. Exception cleared.<br>Reviewer Comment (2025-06-13): Per B3-3.1-07 - the lender must verify the existence of the business within 120 days of the Note. Acceptable verification includes a third-party verification (CPA, regulatory agency, state licensing bureau), or, by verifying a phone listing and address using a telephone book, internet, or directory assistance for the borrower's business. Additionally, the lender's alternative methods would be sufficient (current business bank statements showing activity, current commercial policy, etc.). Establishment of the business reinstatement in [Redacted] does not meet either guideline. Exception remains.<br>Buyer Comment (2025-06-11): This is official documentation from the [Redacted] Secretary of State and is effectively a legal/business document approving the clients qualifying business on a state level. The 3rd party verification guidelines does not speak to the date of this DBA/licensing information ONLY to the date which we (the lender) verified the existence of the clients business. Please review to clear this issue.<br>Reviewer Comment (2025-06-11): Certificate of Filing from the reinstatement of the borrower's business in [Redacted] and the original formation documents from [Redacted] are not an acceptable verification that the business is operational within 120 days of the Note date. Please provide a standard or alternative third-party verification that the business is open. (Post-close third-party verification would additionally be acceptable per Fannie Mae guidelines). Exception remains.<br>Buyer Comment (2025-06-09): Please see the attached screen shots from our LOS documents portal confirming the 3rd party verification was obtained on [Redacted] and meets guidelines. | 06/13/2025 |  |  | 1 B A C |  | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250830 |  |  |  | 34253769 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - S-Corp | General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. | The file was missing the third-party verification for the borrower's business. Please provide for review. |  |  |  | Reviewer Comment (2025-06-13): Post-close [Redacted] report provided showing the borrower's business is active. Post-close verification is acceptable per Fannie Mae. Exception cleared.<br>Reviewer Comment (2025-06-13): Per B3-3.1-07 - the lender must verify the existence of the business within 120 days of the Note. Acceptable verification includes a third-party verification (CPA, regulatory agency, state licensing bureau), or, by verifying a phone listing and address using a telephone book, internet, or directory assistance for the borrower's business. Additionally, the lender's alternative methods would be sufficient (current business bank statements showing activity, current commercial policy, etc.). Establishment of the business reinstatement in [Redacted] does not meet either guideline. Exception remains.<br>Buyer Comment (2025-06-11): This is official documentation from the [Redacted] Secretary of State and is effectively a legal/business document approving the clients qualifying business on a state level. The 3rd party verification guidelines does not speak to the date of this DBA/licensing information ONLY to the date which we (the lender) verified the existence of the clients business. Please review to clear this issue.<br>Reviewer Comment (2025-06-11): Certificate of Filing from the reinstatement of the borrower's business in [Redacted] and the original formation documents from [Redacted] are not an acceptable verification that the business is operational within 120 days of the Note date. Please provide a standard or alternative third-party verification that the business is open. (Post-close third-party verification would additionally be acceptable per Fannie Mae guidelines). Exception remains.<br>Buyer Comment (2025-06-09): Please see the attached screen shots from our LOS documents portal confirming the 3rd party verification was obtained on [Redacted] and meets guidelines. | 06/13/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250829 |  |  |  | 34253773 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The third party verification for the business provided did not obtained a timestamp to confirm receipt within 120 calendar days of the Note. |  |  |  | Reviewer Comment (2025-06-09): Screenshot from clients LOS confirms document was obtained within 120 days of note date. Exception cleared.<br>Buyer Comment (2025-06-06): Please see the attached screen shot from out LOS documents portal confirming the 3rd party verification was obtained on [Redacted] and meets guidelines. | 06/09/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250826 |  |  |  | 34253779 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Buyer Comment (2025-06-06): Seller acknowledges exception, no change to grading. |  |  | 06/06/2025 | 2 B |  | TN | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250825 |  |  |  | 34253783 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-06-05): Seller acknowledges exception, no change to grading. |  |  | 06/05/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250825 |  |  |  | 34253785 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax was not disclosed on the Loan Estimate, but was disclosed as $[Redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-06-11): Per LOE from client, the initial recording fee of $[Redacted]included the transfer tax ($[Redacted]) and recording fee ($[Redacted]). The transfer tax did not change from the initial LE to the final CD. The split occurred on the[Redacted] LE and equaled the previously disclosed total fee amount of $[Redacted]. The recording fee was subsequently reduced to $[Redacted] on the initial CD. Exception cleared.<br>Reviewer Comment (2025-06-11): [Redacted] received LOE from [Redacted] however, the LOE is required from lender and the explanation provided on LOE shows the total of bifurcated fee is $[Redacted]+$[Redacted]= $[Redacted]while the total of fees on LE is $[Redacted]. From this explanation it is not clear which fee is reduced and the exact portion of recording fee and transfer tax fee disclosed on LE. Please provide LOE from lender with correct explanation.<br>Buyer Comment (2025-06-10): Please see attached attestation letter.<br>Reviewer Comment (2025-06-10): [Redacted] received rebuttal, however we require LOE with bifurcation of amounts disclosed on LE for recording fee and transfer tax fee to re-evaluate the exception.<br>Buyer Comment (2025-06-09): Please be advised that the total recording fees were disclosed as $[Redacted] on the initial loan estimate, the [Redacted] LE broke out the fee but the cost to borrower did not increase. The $[Redacted] was always accounted for and there was no harm to the borrower. | 06/11/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250824 |  |  |  | 34253786 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Mortgage Broker Fee was last disclosed as $[Redacted] on the Loan Estimate, but was disclosed as $[Redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-06-12): [Redacted] received valid COC dated [Redacted]<br>Buyer Comment (2025-06-11): Please see the attached screenshot of the CIC in the LOS. The increase in loan amount occurred on [Redacted] and disclosed on [Redacted].<br>Reviewer Comment (2025-06-11): [Redacted] received rebuttal comment and the COC in file ([Redacted]/[Redacted]) does not have date of change mentioned on it. Please provide COC with all the information for remediations.<br>Buyer Comment (2025-06-10): The appraisal was received on[Redacted] with an appraised value of $[Redacted] . The next day, the borrower requested the loan be restructured as documented with CIC on page [Redacted]/[Redacted] of the loan images.<br>Reviewer Comment (2025-06-09): [Redacted] received comment. However, we would require a valid COC for the fee increased on CD dated [Redacted] or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-06-06): The Brokers Comp is directly correlated ot loan amount. The loan amount increased from [Redacted] to $[Redacted] causing the increase in brokers comp. | 06/12/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250822 |  |  |  | 34253792 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file |  |  |  | Reviewer Comment (2025-06-09): [Redacted] received proof of earlier electronic receipt.<br>Buyer Comment (2025-06-06): Please see attached confirmation borrower viewed the LE on the same day. | 06/09/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250818 |  |  |  | 34253799 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-07-01): CDA provided, exception cleared. | 07/01/2025 |  |  | 1 D A |  | MI | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250818 |  |  |  | 34253801 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Buyer Comment (2025-06-06): Seller acknowledges the exception, no change to grading. |  |  | 06/06/2025 | 2 B |  | MI | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250818 |  |  |  | 34253802 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-07-01): CDA provided, exception cleared.<br>Reviewer Comment (2025-07-01): Valuation Received - [Redacted] | 07/01/2025 |  |  | 1 A |  | MI | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250817 |  |  |  | 34253804 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-06-06): Seller acknowledges exception, no change to grading. |  |  | 06/06/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250816 |  |  |  | 34253805 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-01): BPO provided, exception cleared. | 07/01/2025 |  |  | 1 D A |  | CA | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250816 |  |  |  | 34253807 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Drive-by BPO - Standard Form - 3 Days |  |  |  | Reviewer Comment (2025-07-01): BPO provided, exception cleared.<br>Reviewer Comment (2025-06-29): Valuation Received - [Redacted] | 07/01/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250816 |  |  |  | 34253808 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 6 |  | Added [Redacted] BPO value of $[Redacted] does not support $[Redacted] appraisal value used for LTV. |  |  |  | Reviewer Comment (2025-07-28): A CDA was provided with the value matching the appraised value. | 07/28/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250816 |  |  |  | 34253809 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - 1 Day |  |  |  | Reviewer Comment (2025-07-28): CDA was received<br>Reviewer Comment (2025-07-25): Valuation Received - [Redacted] | 07/28/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250816 |  |  |  | 34253810 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 A B |  | CA | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250815 |  |  |  | 34253811 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-01): BPO provided, exception cleared. | 07/01/2025 |  |  | 1 D A |  | AZ | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250815 |  |  |  | 34253813 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-06-09): [Redacted] received proof of earlier electronic receipt.<br>Buyer Comment (2025-06-06): Please see the attached screenshot from the LOS confirming the [Redacted] LE was viewed by the borrower on [Redacted]. | 06/09/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250815 |  |  |  | 34253814 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Drive-by BPO - Standard Form - 3 Days |  |  |  | Reviewer Comment (2025-07-01): BPO provided, exception cleared.<br>Reviewer Comment (2025-06-30): Valuation Received - [Redacted] | 07/01/2025 |  |  | 1 A |  | AZ | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250814 |  |  |  | 34253816 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-06-06): Seller acknowledges exception, no change to grading. |  |  | 06/06/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | Good Faith Redisclosure D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250814 |  |  |  | 34253818 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-01): CDA provided, exception cleared. | 07/01/2025 |  |  | 1 D A |  | CA | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250814 |  |  |  | 34253819 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Subject is in a Condominium Project and the Master Policy was not found. Please provide for review. |  |  |  | Reviewer Comment (2025-06-09): HOA master policy was provided to satisfy exception. Exception cleared.<br>Buyer Comment (2025-06-06): Please see attached condo insurance policy. | 06/09/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250814 |  |  |  | 34253820 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXX / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-07-01): CDA provided, exception cleared.<br>Reviewer Comment (2025-07-01): Valuation Received - [Redacted] | 07/01/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250813 |  |  |  | 34253822 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-01): BPO provided, exception cleared. | 07/01/2025 |  |  | 1 D A |  | GA | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250813 |  |  |  | 34253824 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Buyer Comment (2025-06-06): Seller acknowledges exception, no change in grading |  |  | 06/06/2025 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250813 |  |  |  | 34253826 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXX / Drive-by BPO - Standard Form - 3 Days |  |  |  | Reviewer Comment (2025-07-01): BPO provided, exception cleared.<br>Reviewer Comment (2025-06-30): Valuation Received - [Redacted] | 07/01/2025 |  |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250812 |  |  |  | 34253828 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-18): Received CDA | 07/18/2025 |  |  | 1 D A |  | KS | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250812 |  |  |  | 34253830 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXX / Drive-by BPO - Standard Form - 3 Days |  |  |  | Reviewer Comment (2025-07-18): Received CDA | 07/18/2025 |  |  | 1 A |  | KS | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250812 |  |  |  | 34253831 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM does not support the value used to qualify. Vendor/FSD do not meet Fitch criteria. Sec ID: 11 |  | AVM Value is $[Redacted] |  |  |  | Reviewer Comment (2025-07-18): Received CDA | 07/18/2025 |  |  | 1 A |  | KS | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250812 |  |  |  | 34253832 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM does not support the value used to qualify. Vendor/FSD do not meet Fitch criteria. Sec ID: 91 |  | AVM Value is $[Redacted] |  |  |  | Reviewer Comment (2025-07-18): Received CDA | 07/18/2025 |  |  | 1 A |  | KS | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250812 |  |  |  | 34253833 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXX / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-07-18): Received CDA<br>Reviewer Comment (2025-07-18): Valuation Received - [Redacted] | 07/18/2025 |  |  | 1 A |  | KS | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250812 |  |  |  | 34253834 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 A B |  | KS | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250811 |  |  |  | 34253836 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Buyer Comment (2025-06-06): Seller acknowledges exception, no change to grading. |  |  | 06/06/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250810 |  |  |  | 34253839 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. |  |  |  |  | Buyer Comment (2025-06-09): Seller acknowledges exception, no change to grading. |  |  | 06/09/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250810 |  |  |  | 34253840 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide acceptable Third Party Verification of the borrower's Schedule C [Redacted] business. The borrower has three separate businesses. A CPA Letter was found, prepared by a family member, stating the borrower is self employed. However, this letter does not specifically indicate the business. An internet search was found for the S-Corp, but no additional documentation was found for the Schedule C business. Please provide for review. |  |  |  | Reviewer Comment (2025-06-10): The CPA letter is sufficient evidence of the borrower's historic and current self-employment. Exception cleared.<br>Buyer Comment (2025-06-09): Please be advised the loan file contains the E-Secretary of State filings for[Redacted] and [Redacted], the CPA letter is to verify the Schedule C income as consultant. This is sufficient confirmation for the self-employment. | 06/10/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250809 |  |  |  | 34253842 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-06-10): Final title policy provided, exception cleared. | 06/10/2025 |  |  | 1 A |  | UT | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250809 |  |  |  | 34253843 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-06-10): Final title policy provided, exception cleared.<br>Buyer Comment (2025-06-09): Please see the final title policy with coverage matching the loan amount attached<br>Reviewer Comment (2025-06-09): Re opening at client request.<br>Buyer Comment (2025-06-09): Seller acknowledges exception, no change in grading | 06/10/2025 |  |  | 1 B A |  | UT | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250809 |  |  |  | 34253844 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-01): Valuation provided, exception cleared. | 07/01/2025 |  |  | 1 D A |  | UT | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250809 |  |  |  | 34253845 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXX / Drive-by BPO - Standard Form - 3 Days |  |  |  | Reviewer Comment (2025-07-01): Valuation provided, Exception cleared.<br>Reviewer Comment (2025-06-28): Valuation Received - [Redacted] | 07/01/2025 |  |  | 1 A |  | UT | Primary | Refinance - Cash-out - Other | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250808 |  |  |  | 34253848 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Buyer Comment (2025-06-06): seller accepts; no change to grading. |  |  | 06/06/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250808 |  |  |  | 34253849 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-07-01): BPO provided, exception cleared. | 07/01/2025 |  |  | 1 D A |  | FL | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250808 |  |  |  | 34253851 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | AUS Findings: Property type discrepancy. |  | AUS reflects the property as single family; loan was closed as a PUD which the 1004 supports. Please provide revised DU Findings which reflect the correct property type. |  |  |  | Reviewer Comment (2025-06-06): Updated AUS received with property type as PUD. Exception cleared.<br>Buyer Comment (2025-06-06): Please see the attachment. | 06/06/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250808 |  |  |  | 34253852 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXX / Drive-by BPO - Standard Form - 3 Days |  |  |  | Reviewer Comment (2025-07-01): BPO provided, exception cleared.<br>Reviewer Comment (2025-06-30): Valuation Received - [Redacted] | 07/01/2025 |  |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250808 |  |  |  | 34253853 |  | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Square feet on the Appraisal does not match the square feet on the BPO. |  | Added [Redacted] - Appraisal reported [Redacted] square feet of gross living area however BPO reported [Redacted]. |  |  |  | Reviewer Comment (2025-07-22): Received updated BPO<br>Reviewer Comment (2025-07-22): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Valuation Type: BPO / Valuation Report Date: [Redacted] | 07/22/2025 |  |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250807 |  |  |  | 34253856 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  |  |  |  |  | Reviewer Comment (2025-07-07): Received AVM | 07/07/2025 |  |  | 1 D A B C |  | WV | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250807 |  |  |  | 34253857 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXX / Drive-by BPO - Standard Form - 3 Days |  |  |  | Reviewer Comment (2025-07-07): Received AVM | 07/07/2025 |  |  | 1 A |  | WV | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250807 |  |  |  | 34253858 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. AVM supports value. Sec ID: 26 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 B |  | WV | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250806 |  |  |  | 34253860 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-06-06): Seller acknowledges exception, no change in grading |  |  | 06/06/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250805 |  |  |  | 34253862 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Buyer Comment (2025-06-06): Seller acknowledges the exception, no change to grading. |  |  | 06/06/2025 | 2 B |  | WA | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250803 |  |  |  | 34253866 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-01): CDA provided, exception cleared. | 07/01/2025 |  |  | 1 D A |  | GA | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250803 |  |  |  | 34253868 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | [Redacted]% fee violation due to the addition of the [Redacted] Residential Mortgage Act Fee. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-06-11): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-06-11): Please see attached, PCCD, Cure check, LOE, Shipping label |  | 06/11/2025 |  | 2 C B |  | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250803 |  |  |  | 34253869 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. |  |  |  |  | Buyer Comment (2025-06-09): Seller acknowledges exception, no change to grading. |  |  | 06/09/2025 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250803 |  |  |  | 34253870 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. |  |  |  |  | Buyer Comment (2025-06-09): Seller acknowledges exception, no change to grading. |  |  | 06/09/2025 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250803 |  |  |  | 34253871 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXX / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-07-01): CDA provided, exception cleared.<br>Reviewer Comment (2025-06-30): Valuation Received - [Redacted] | 07/01/2025 |  |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250802 |  |  |  | 34253880 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-06-06): Seller acknowledges exception, no change in grading |  |  | 06/06/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250801 |  |  |  | 34253885 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-06-11): [Redacted] received proof of receipt.<br>Buyer Comment (2025-06-10): Both Loan estimate packages from [Redacted] reflect as "Viewed" by the client on the LOS online documents page provided. The document clearly shows the LE issued on [Redacted] at [Redacted] was viewed on [Redacted] at [Redacted] and the LE issued on [Redacted] at [Redacted] was viewed at [Redacted]. Nothing further is required, proof of receipt has been established for each LE in question<br>Reviewer Comment (2025-06-09): There are two [Redacted] LEs in the loan file. On barcode ends in [Redacted] and has a cash to close amount of $[Redacted]. The other [Redacted] LE has a barcode ending in [Redacted] and a cash to close amount of $[Redacted]. Provided proof of receipt is unclear. Disclosure summary indicates both LE packages received but does not differentiate which package was received when. Please document which LE was received at [Redacted] and which was received at [Redacted].<br>Buyer Comment (2025-06-06): Please see the attached from our LOS online documents portal confirming the client viewed the LE from [Redacted] on [Redacted]. | 06/11/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250801 |  |  |  | 34253886 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-06-11): [Redacted] received proof of receipt.<br>Buyer Comment (2025-06-10): Both Loan estimate packages from [Redacted] reflect as "Viewed" by the client on the LOS online documents page provided. The document clearly shows the LE issued on [Redacted] at [Redacted] was viewed on [Redacted] at [Redacted] and the LE issued on [Redacted] at [Redacted] was viewed at [Redacted]. Nothing further is required, proof of receipt has been established for each LE in question<br>Reviewer Comment (2025-06-09): There are two [Redacted] LEs in the loan file. On barcode ends in [Redacted] and has a cash to close amount of $[Redacted] . The other [Redacted] LE has a barcode ending in [Redacted] and a cash to close amount of $[Redacted]. Provided proof of receipt is unclear. Disclosure summary indicates both LE packages received but does not differentiate which package was received when. Please document which LE was received at [Redacted] and which was received at [Redacted].<br>Buyer Comment (2025-06-06): Please see the attached from our LOS online documents portal confirming the client viewed the LE from [Redacted] on [Redacted]. | 06/11/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250804 |  |  |  | 34253890 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The internet business entity search did not contain a timestamp. Please provide evidence of the date the verification was obtained. |  |  |  | Reviewer Comment (2025-06-02): Screenshot from LOS confirms document was obtained [Redacted]. Exception cleared.<br>Buyer Comment (2025-05-29): Please see attached including the timestamp | 06/02/2025 |  |  | 1 C A |  | MT | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

---

## Exhibit 99.4

[GCAT Depositor vi llcabs-15g](gcat2025-abs15g.htm)

**Exhibit 99.4**

**Valuation Report**

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| **SitusAMC Loan ID** | **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
|  | 20250910 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | 20250917 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | 20250919 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | 20250920 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20250921 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | 20250918 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | 20250922 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20250904 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.60 |
|  | 20250943 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250909 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.80 |
|  | 20250924 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20250939 |  |  |  |  |  |  |  |  |  | 6.530% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250949 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | 20250978 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250973 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20250989 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251240 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251241 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250975 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250950 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
|  | 20251014 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251013 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -14.480% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251004 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250967 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250953 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251024 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250954 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 20250974 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
|  | 20251025 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250934 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251003 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | 20251044 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20250948 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250929 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.330% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | 20250969 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 20250951 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250962 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251018 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
|  | 20250932 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250979 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251041 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 20250992 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 20251005 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
|  | 20250987 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20250994 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251033 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251048 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
|  | 20250941 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250944 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
|  | 20250991 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250972 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250946 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 20250985 |  |  |  |  |  |  |  |  |  | 10.260% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251059 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
|  | 20250911 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250916 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250957 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250945 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250926 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250933 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251060 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251062 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250993 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
|  | 20251032 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251000 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250930 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 20250990 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 20251049 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251084 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250988 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250963 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250931 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251070 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250959 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251089 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | 20250982 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 20250995 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251080 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 20251068 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 20250937 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250997 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251064 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250947 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250998 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
|  | 20251046 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 20251111 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 15.140% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250996 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251057 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250999 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251051 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20251103 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 20251012 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 20251249 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251254 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | 20251247 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251259 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.770% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251280 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 20251275 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251312 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 20251283 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251257 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 20251242 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.340% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | -17.530% |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
|  | 20251260 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251287 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
|  | 20251321 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251272 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 20251244 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | 20251303 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251304 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | 20251261 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 20251251 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251266 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | 20251250 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 20251243 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251318 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251317 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | 20251314 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251264 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20251326 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251327 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 20251274 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 20250927 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251253 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20251295 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251267 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251322 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 20251296 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251245 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251285 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251291 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 20251302 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | 20251281 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251289 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 20251308 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 20251319 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251306 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
|  | 20251252 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
|  | 20251299 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
|  | 20251330 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20251300 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
|  | 20251294 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251273 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 20251286 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251332 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 20251320 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251270 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251279 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251311 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 20251329 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251309 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251293 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | 20251265 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251262 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.380% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | 20251277 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | 20251307 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250914 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 20251256 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251246 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 20251315 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251255 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251248 |  |  |  |  |  |  |  |  |  | 3.680% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251271 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251290 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 20251301 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20251313 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 20251316 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251268 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251292 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251258 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251288 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 20251269 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251297 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251324 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251282 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251325 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
|  | 20251284 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 20251263 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | 20251323 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 20251278 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251276 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251298 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251310 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251331 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251305 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251328 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251045 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
|  | 20251110 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | 20251112 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251081 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250955 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | 20251066 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
|  | 20251090 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.290% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
|  | 20251075 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250971 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
|  | 20251211 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20251204 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251093 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 20251071 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
|  | 20250986 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251196 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 20251087 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20251108 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 20251199 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20251083 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251109 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 20251205 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251217 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251042 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251206 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251076 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251201 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251106 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251095 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 20251073 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251202 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251197 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 20251194 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251082 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250964 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 20251079 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251099 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251096 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 20251210 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251207 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251209 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251016 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 20251098 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
|  | 20251421 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | 20251088 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 20251091 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 20250913 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 20250925 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 20250942 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | 20250940 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251001 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20250966 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 20250961 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251026 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 20250984 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 20251006 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250976 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
|  | 20251054 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250938 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251009 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 20250928 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.90 |
|  | 20250956 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | 20251007 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 20251077 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251022 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 20251058 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251092 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251115 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
|  | 20251104 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 20251028 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
|  | 20251203 |  |  |  |  |  |  |  |  |  | 1.040% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 20251029 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 20251402 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251055 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
|  | 20251047 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 20250958 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.90 |
|  | 20250923 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
|  | 20250970 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251040 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
|  | 20250980 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250965 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250981 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251010 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251069 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
|  | 20250977 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20251034 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 20251008 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251053 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251015 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 20251085 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 20251392 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251361 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 20251350 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251019 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | 20251052 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251074 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 20251208 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250952 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251114 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 20251373 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251218 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250983 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
|  | 20251198 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 20251374 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251215 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251349 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251390 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 20251195 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251378 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
|  | 20251389 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
|  | 20251220 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251347 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251364 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251382 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251216 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
|  | 20251078 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251017 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251037 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 20251027 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251212 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | 20251030 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251021 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251067 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20251107 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251094 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 20251023 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 20250915 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
|  | 20251011 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251065 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 20250935 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251043 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251038 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251113 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251384 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251408 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251363 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251372 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251333 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251419 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 20251380 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | 20251388 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251396 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251221 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251063 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | 20251056 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | 20250936 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251200 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
|  | 20251213 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 20251086 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251407 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251400 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251050 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251336 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 20251411 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250968 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251020 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.970% |  |  | Appraisal |  |  | Moderate |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | 20250960 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 20251219 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251031 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 8.040% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251039 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251105 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | 20251061 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251035 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251002 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 20251102 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.50 |
|  | 20251214 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 20251097 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 20251036 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251410 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251360 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251381 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.70 |
|  | 20251383 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251394 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251335 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
|  | 20251358 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251348 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251340 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251416 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251352 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 20251341 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251362 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | 20251414 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 20251356 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251399 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251351 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251343 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251406 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
|  | 20251354 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251357 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251368 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.370% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 20251344 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
|  | 20251342 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251337 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 20251359 |  |  |  |  |  |  |  |  |  | 7.690% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
|  | 20251405 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251345 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251418 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 20251379 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.780% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
|  | 20251371 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251339 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251401 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
|  | 20251334 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
|  | 20251355 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 20251420 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251413 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251393 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
|  | 20251417 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 20251369 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | 20251346 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251367 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 20251375 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251385 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
|  | 20251404 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251353 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251365 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | 20251409 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 20251395 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 20251415 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | 20251403 |  |  |  |  |  |  |  |  |  | 7.350% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
|  | 20251377 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
|  | 20251366 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251412 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251338 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251370 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | 20251376 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251387 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20250901 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250900 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 20250899 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250898 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.060% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250897 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250895 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
|  | 20250894 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250893 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250892 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 20250891 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
|  | 20250890 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250889 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | -21.970% |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -21.970% |  |  |  |  |  |  |  |  | No | 4.50 | 3.60 |
|  | 20250887 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.50 |
|  | 20250886 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250885 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
|  | 20250884 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | 20250883 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20250882 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | 20250881 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
|  | 20250880 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.70 |
|  | 20250879 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | 20250878 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20250877 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.40 |
|  | 20250876 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 20250875 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20250874 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250873 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | 20250872 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 20250871 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -13.180% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -13.180% |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | 20250870 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250869 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250867 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.550% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -18.340% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -18.340% |  |  |  |  |  |  |  |  | N/A |  | 4.70 |
|  | 20250866 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 20250865 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | 20250864 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.510% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.510% |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
|  | 20250863 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 20250862 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 20250861 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | 20250860 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250859 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250858 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250857 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250856 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250855 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 20250854 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250853 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250852 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.590% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.590% |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
|  | 20250851 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
|  | 20250850 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 20250849 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250848 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250847 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250846 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250845 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 20250844 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250843 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.090% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20250842 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250841 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250840 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250839 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 20250838 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250837 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250836 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 20250835 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20250834 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250833 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.00 |
|  | 20250832 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 20250831 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 20250830 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250829 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250828 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | 20250827 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250826 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250825 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | 20250824 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 20250823 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.50 |
|  | 20250822 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 20250821 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250820 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 20250819 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250818 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
|  | 20250817 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250816 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -11.590% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -11.590% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250815 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.860% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -5.860% |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | 20250814 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.80 |
|  | 20250813 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 8.220% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.220% |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
|  | 20250812 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -14.480% |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -14.480% |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | 20250811 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | 20250810 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 20250809 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.340% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.340% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250808 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.680% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.680% |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 20250807 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 3.350% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.350% |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250806 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250805 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20250803 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.30 |
|  | 20250802 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 20250801 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 20250804 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |

---

## Exhibit 99.5

[GCAT Depositor vi llcabs-15g](gcat2025-abs15g.htm)

**Exhibit 99.5**

**Supplemental Data**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 |
| **SitusAMC Loan ID** | **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** |
|  | 20250910 |  |  |  | Non QM |  |  |  | Yes | No | $21035.00 | $13422.84 |  | 8.020% | [Redacted] | [Redacted] | 7.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $94345.79 | 1 | [Redacted] | $3087.00 | [Redacted] | $257.25 |  |  |  |  |  | 9.874% | 9.874% | 9.874% | 10/08/2024 | 620 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $21035.00 |  | 6.630% | $0.00 | 5 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 51.56 |  |  | No |  | $52341.17 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250917 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1725.96 | [Redacted] | $143.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/06/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.8 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.91 |  |  |  |  |  |  | 240 | 03/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 34.64 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250919 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1725.96 | [Redacted] | $143.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/06/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.9 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | 03/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 31.98 | Retail |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250920 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1644.84 | [Redacted] | $137.07 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/06/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  | 240 | 03/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 33.09 | Retail |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250921 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $2952.00 | [Redacted] | $246.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/06/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.9 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  | 240 | 03/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 33.64 | Retail |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250918 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1725.96 | [Redacted] | $143.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/06/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.9 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.91 |  |  |  |  |  |  | 240 | 03/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 34.42 | Retail |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250922 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1644.84 | [Redacted] | $137.07 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/06/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  | 240 | 03/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 34.5 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250904 |  |  |  | Non QM |  |  |  | Yes | No | $9395.99 | $16646.66 |  | 10.619% | [Redacted] | [Redacted] | 10.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $37463.22 | 1 | [Redacted] | $1785.00 | [Redacted] | $148.75 |  |  |  |  |  | 28.747% | 28.747% | 28.747% | 12/23/2024 | 650 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | 1 |  |  | [Redacted] | $9395.99 |  | 7.070% | $10000.00 | 1.6 |  |  |  | Yes | No | 10.500% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2065 | $665918.71 | 51.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.02 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250943 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12978.70 | $2503.35 |  | 7.432% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20191.81 | 1 | [Redacted] | $0.00 | [Redacted] | $0.00 |  |  |  |  |  | 31.888% | 31.888% | 31.888% | 01/28/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $12978.70 |  | 6.700% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $30856.42 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.19 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250909 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $2184.12 | [Redacted] | $182.01 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/27/2024 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 3.8 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.93 |  |  |  |  |  |  |  | 03/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 100.04 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250924 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $746.04 | [Redacted] | $62.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/12/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.91 |  |  |  |  |  |  |  | 06/01/2055 | $674800.30 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 118.11 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250939 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $49948.93 | $19433.11 |  | 7.388% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $92844.06 | 1 | [Redacted] | $1612.08 | [Redacted] | $134.34 |  |  |  |  |  | 33.621% | 33.621% | 33.621% | 04/14/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $49948.93 |  | 6.700% | $170000.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 06/01/2055 | $1676660.21 | 34.570% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 50.39 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250949 |  |  |  | Non QM |  |  |  | Yes | No | $11055.80 | $13659.19 |  | 7.237% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $56231.09 | 1 | [Redacted] | $0.00 | [Redacted] | $0.00 |  |  |  |  |  | 8.417% | 8.417% | 8.417% |  | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $11055.80 |  | 6.810% | $0.00 | 999 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $281157.54 | 66.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 53.37 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250978 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1570.68 | [Redacted] | $130.89 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/26/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | 06/01/2055 | $360743.44 | 53.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250973 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $686.04 | [Redacted] | $57.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/07/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | 06/01/2055 | $454937.97 | 52.590% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.97 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250989 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1094.52 | [Redacted] | $91.21 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/25/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | 06/01/2055 | $368075.89 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 119.18 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251240 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.750% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redacted] | $735.96 | [Redacted] | $61.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/21/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | 06/01/2055 | $102617.60 | 35.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 15.76 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251241 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.750% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redacted] | $735.96 | [Redacted] | $61.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/21/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | 06/01/2055 | $341117.65 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 140.19 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250975 |  |  |  | Non QM |  |  |  | Yes | No | $15423.52 | $10094.56 |  | 7.663% | [Redacted] | [Redacted] | 7.500% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2871.36 | 1 | [Redacted] | $5753.04 | [Redacted] | $479.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/31/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $15423.52 |  | 6.880% | $27000.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 06/01/2055 | $1228625.16 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 254.63 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250950 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7526.20 | $11780.70 |  | 7.234% | [Redacted] | [Redacted] | 6.990% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6512.21 | 1 | [Redacted] | $974.04 | [Redacted] | $81.17 |  |  |  |  |  | 37.959% | 37.959% | 37.959% | 03/12/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Employer Letter - 2025<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Employer Letter - 2025<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Other - 2025<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Other - 2025<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7526.20 |  | 6.810% | $4000.00 | 3.2 |  |  |  | N/A | No | 6.990% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 06/01/2055 | $276731.99 | 44.630% | No |  | 28 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.89 |  |  | No |  | $0.00 | $3413.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251014 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.000% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redacted] | $3537.96 | [Redacted] | $294.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/15/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.66 |  |  |  |  |  |  |  | 06/01/2055 | $306865.66 | 43.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 22.57 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | No | No | No | No |
|  | 20251013 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7486.00 | $9268.80 |  | 7.034% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10356.97 | 1 | [Redacted] | $3863.04 | [Redacted] | $321.92 |  |  |  |  |  | 29.671% | 29.671% | 29.671% | 04/14/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7486.00 |  | 6.740% | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | No |  |  |  | 06/01/2055 | $1293.18 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 119.3 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251004 |  |  |  | Non QM |  |  |  | Yes | No | $8033.04 | $9400.70 |  | 6.841% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9722.82 | 1 | [Redacted] | $1362.96 | [Redacted] | $113.58 |  |  |  |  |  | 33.861% | 33.861% | 33.861% | 03/27/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $8033.04 |  | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 16.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $346534.49 | 48.800% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 77.24 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250967 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 2 | [Redacted] | $2091.96 | [Redacted] | $174.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/02/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  |  | 06/01/2055 | $189900.00 | 10.080% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 12.18 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250953 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1104.00 | [Redacted] | $92.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/17/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  |  | 06/01/2055 | $286398.96 | 50.240% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.8 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251024 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | [Redacted] | $4532.04 | [Redacted] | $377.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/03/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | 06/01/2055 | $236743.52 | 47.340% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 5.11 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250954 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $2028.00 | [Redacted] | $169.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/28/2025 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 102.98 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250974 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $570.00 | [Redacted] | $47.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/26/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 3.6 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  | 240 | 06/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 35.98 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251025 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redacted] | $2291.04 | [Redacted] | $190.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/05/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1.01 |  |  |  |  |  |  |  | 06/01/2055 | $311719.92 | 40.320% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.58 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250934 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $29715.40 | $2539.83 |  | 7.359% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $36774.26 | 1 | [Redacted] | $6506.28 | [Redacted] | $542.19 |  |  |  |  |  | 25.454% | 25.454% | 25.454% | 03/02/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 51.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $29715.40 |  | 6.620% | $51755.47 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 06/01/2055 | $482210.33 | 28.780% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.68 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251003 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $2120.04 | [Redacted] | $176.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/15/2025 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.8 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | 06/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 93.98 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251044 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1514.52 | [Redacted] | $126.21 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/23/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 06/01/2055 | $243355.20 | 79.010% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 62.45 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250948 |  |  |  | Non QM |  |  |  | Yes | No | $19699.86 | $9338.65 |  | 8.018% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18027.77 | 1 | [Redacted] | $3167.04 | [Redacted] | $263.92 |  |  |  |  |  | 28.218% | 28.218% | 28.218% | 05/05/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $19699.86 |  | 6.700% | $2000.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $193268.85 | 27.410% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.79 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250929 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $17569.20 | $20835.44 |  | 8.059% | [Redacted] | [Redacted] | 7.750% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16728.30 | 1 | [Redacted] | $5059.92 | [Redacted] | $421.66 |  |  |  |  |  | 35.846% | 35.846% | 35.846% | 02/14/2025 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2017 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $17569.20 |  | 6.620% | $25000.00 | 2.9 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 06/01/2055 | $184433.23 | 20.600% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.5 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250969 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.000% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1401.36 | [Redacted] | $116.78 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/27/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 111.07 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250951 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1133.64 | [Redacted] | $94.47 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/18/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | 06/01/2055 | $133985.77 | 37.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.36 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250962 |  |  |  | Non QM |  |  |  | Yes | No | $14119.12 | $11144.60 |  | 8.027% | [Redacted] | [Redacted] | 7.750% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14227.45 | 1 | [Redacted] | $2109.96 | [Redacted] | $175.83 |  |  |  |  |  | 26.212% | 26.212% | 26.212% | 04/09/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 80.000% |  | 100.000% |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $14119.12 |  | 6.810% | $13000.00 | 2.6 |  |  |  | N/A | No | 7.750% | 1 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.05 |  |  | No |  | $15514.05 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251018 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $13815.00 | $16958.77 |  | 7.745% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $38481.33 | 1 | [Redacted] | $3447.00 | [Redacted] | $287.25 |  |  |  |  |  | 16.567% | 16.567% | 16.567% | 04/29/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $13815.00 |  | 6.740% | $5000.00 | 3.6 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 06/01/2055 | $15123.90 | 1.960% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.99 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250932 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7428.20 | $9707.68 |  | 7.697% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6101.87 | 1 | [Redacted] | $1712.04 | [Redacted] | $142.67 |  |  |  |  |  | 32.088% | 32.088% | 32.088% | 04/09/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7428.20 |  | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 06/01/2055 | $294430.35 | 53.530% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.39 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250979 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7445.00 | $9401.36 |  | 8.173% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4004.21 | 1 | [Redacted] | $3051.96 | [Redacted] | $254.33 |  |  |  |  |  | 42.668% | 42.668% | 42.668% | 04/26/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7445.00 |  | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  | No |  |  |  | 06/01/2055 | $182846.24 | 52.240% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 41.1 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251041 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $17491.40 | $20573.68 |  | 7.152% | [Redacted] | [Redacted] | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24413.54 | 1 | [Redacted] | $1581.96 | [Redacted] | $131.83 |  |  |  |  |  | 30.920% | 30.920% | 30.920% | 05/01/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $17491.40 |  | 6.740% | $0.00 | 1.7 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 06/01/2055 | $172700.97 | 11.910% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.6 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250992 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1167.96 | [Redacted] | $97.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/30/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.8 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 111.42 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251005 |  |  |  | Non QM |  |  |  | Yes | No | $74795.50 | $35963.64 |  | 7.468% | [Redacted] | [Redacted] | 7.375% | No | No | Employed | Not Employed | Self-Employed |  | 25.17 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $85893.47 | 1 | [Redacted] | $1410.00 | [Redacted] | $117.50 |  |  |  |  |  | 33.617% | 29.471% | 33.617% | 03/20/2025 | 743 | 743 | 752 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 36 | Business | 80.000% |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $74795.50 |  | 6.740% | $0.00 | 4 |  |  |  | N/A | No | 7.375% | 2 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 06/01/2055 | $5691248.61 | 100.000% | No | 28 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | Individual | Individual |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 173.5 |  | No | No |  | $108557.01 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250987 |  |  |  | Non QM |  |  |  | Yes | No | $17467.00 | $0.00 |  | 8.096% | [Redacted] | [Redacted] | 8.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $32807.68 | 1 | [Redacted] | $873.00 | [Redacted] | $72.75 |  |  |  |  |  | 24.917% | 24.917% | 24.917% | 05/02/2025 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $17467.00 |  | 6.880% | $30000.00 | 2.6 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $41250.00 | 5.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.8 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250994 |  |  |  | Non QM |  |  |  | Yes | No | $9565.48 | $3874.73 |  | 8.128% | [Redacted] | [Redacted] | 8.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10005.51 | 1 | [Redacted] | $1191.72 | [Redacted] | $99.31 |  |  |  |  |  | 44.512% | 44.512% | 44.512% | 04/14/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $9565.48 |  | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 32.47 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251033 |  |  |  | Non QM |  |  |  | Yes | No | $10102.50 | $4131.94 |  | 7.898% | [Redacted] | [Redacted] | 7.750% | No | No | Non-Employment Income | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13561.33 | 1 | [Redacted] | $5693.04 | [Redacted] | $474.42 |  |  |  |  |  | 42.249% | 42.249% | 42.249% |  | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $10102.50 |  | 6.740% | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 06/01/2055 | $753470.14 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta |  |  |  |  |  |  |  |  |  |  |  | No | 321.04 |  | No | No |  | $2279.42 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251048 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1923.00 | [Redacted] | $160.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/18/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 3.8 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.73 |  |  |  |  |  |  |  | 06/01/2055 | $373258.42 | 55.710% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.41 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250941 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redacted] | $1635.00 | [Redacted] | $136.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/16/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | 06/01/2055 | $219833.60 | 34.610% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.78 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250944 |  |  |  | Non QM |  |  |  | Yes | No | $18273.52 | $5587.70 |  | 8.543% | [Redacted] | [Redacted] | 8.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12171.86 | 1 | [Redacted] | $1730.88 | [Redacted] | $144.24 |  |  |  |  |  | 43.951% | 43.951% | 43.951% | 02/03/2025 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $18273.52 |  | 6.800% | $14925.00 | 3.3 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $143363.32 | 12.850% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.67 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250991 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $608.64 | [Redacted] | $50.72 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/25/2025 | 819 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | 06/01/2055 | $131956.35 | 41.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 14.91 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250972 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redacted] | $1707.00 | [Redacted] | $142.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/21/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | 06/01/2055 | $693167.83 | 35.360% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.99 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250946 |  |  |  | Non QM |  |  |  | Yes | No | $12401.66 | $11230.45 |  | 7.778% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13819.07 | 1 | [Redacted] | $6341.40 | [Redacted] | $528.45 |  |  |  |  |  | 41.483% | 41.483% | 41.483% | 03/10/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $12401.66 |  | 6.700% | $14000.00 | 2.1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $152982.29 | 31.280% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.25 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250985 |  |  |  | Non QM |  |  |  | Yes | No | $59995.00 | $51786.74 |  | 7.399% | [Redacted] | [Redacted] | 7.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $65207.67 | 1 | [Redacted] | $4839.96 | [Redacted] | $403.33 |  |  |  |  |  | 45.890% | 41.370% | 45.890% | 04/29/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $59995.00 |  | 6.880% | $1275000.00 | 1 |  |  |  | N/A | No | 7.250% | 3 |  | 0 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 06/01/2055 | $385738.14 | 9.890% | No | 29 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.35 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251059 |  |  |  | Non QM |  |  |  | Yes | No | $5165.09 | $1436.50 |  | 7.277% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13854.90 | 1 | [Redacted] | $1967.28 | [Redacted] | $163.94 |  |  |  |  |  | 41.332% | 41.332% | 41.332% | 03/10/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $5165.09 |  | 6.700% | $10818.06 | 3.9 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $69858.02 | 12.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 57.18 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250911 |  |  |  | Non QM |  |  |  | Yes | No | $7040.00 | $8285.96 |  | 7.239% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24594.89 | 1 | [Redacted] | $1536.00 | [Redacted] | $128.00 |  |  |  |  |  | 22.575% | 22.575% | 22.575% | 01/15/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7040.00 |  | 6.870% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.21 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250916 |  |  |  | Non QM |  |  |  | Yes | No | $2090.00 | $12226.55 |  | 7.532% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13940.02 | 1 | [Redacted] | $2716.68 | [Redacted] | $226.39 |  |  |  |  |  | 46.721% | 46.721% | 46.721% | 11/12/2024 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2090.00 |  | 6.850% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 2 | 0 | 2 | 2 |  |  | 13.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $14632.94 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.96 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250957 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $2846.40 |  | 7.845% | [Redacted] | [Redacted] | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6531.37 | 1 | [Redacted] | $4095.00 | [Redacted] | $341.25 |  |  |  |  |  | 41.716% | 41.716% | 41.716% | 04/02/2025 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1640.00 |  | 6.810% | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 05/01/2055 | $125620.63 | 29.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.65 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250945 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $809.76 | [Redacted] | $67.48 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/21/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 140.54 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 20250926 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | [Redacted] | $1838.40 | [Redacted] | $153.20 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/13/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.54 | 0.65 |  |  |  |  |  |  |  | 05/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 70.26 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250933 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $482.04 | [Redacted] | $40.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/07/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | 06/01/2055 | $169692.85 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 45.46 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251060 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7195.00 | $9315.00 |  | 7.569% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $30271.36 | 1 | [Redacted] | $7374.96 | [Redacted] | $614.58 |  |  |  |  |  | 31.286% | 31.286% | 31.286% | 04/21/2025 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | 24 | Business | 52.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7195.00 |  | 6.800% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  | 60 | No |  |  |  | 06/01/2055 | $1345895.09 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 140.85 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251062 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7401.25 | $8204.55 |  | 7.579% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11565.43 | 1 | [Redacted] | $771.96 | [Redacted] | $64.33 |  |  |  |  |  | 31.737% | 31.737% | 31.737% | 03/11/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7401.25 |  | 6.800% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | No |  |  |  | 06/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 116.79 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250993 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9895.00 | $2791.90 |  | 7.307% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $53355.58 | 1 | [Redacted] | $8091.96 | [Redacted] | $674.33 |  |  |  |  |  | 15.394% | 15.394% | 15.394% | 04/29/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $9895.00 |  | 6.880% | $0.00 | 4.1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | No |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 93.46 |  | No | No |  | $31531.93 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251032 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $7120.00 | $7949.70 |  | 8.468% | [Redacted] | [Redacted] | 8.250% | No | Yes | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16174.75 | 1 | [Redacted] | $813.00 | [Redacted] | $67.75 |  |  |  |  |  | 44.387% | 44.387% | 44.387% | 03/12/2025 | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7120.00 |  | 6.740% | $0.00 | 1 |  |  |  | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | No |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 108.11 |  | No | No |  | $14542.12 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251000 |  |  |  | Non QM |  |  |  | Yes | No | $11081.50 | $13528.73 |  | 8.005% | [Redacted] | [Redacted] | 7.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11513.79 | 1 | [Redacted] | $1155.00 | [Redacted] | $96.25 |  |  |  |  |  | 46.133% | 43.476% | 46.133% | 04/25/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $11081.50 |  | 6.800% | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 2 | 1 | 1 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 360 | 06/01/2065 | $157604.70 |  | No | 28 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 18.59 |  | No | No |  | $0.00 | $5508.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250930 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $13729.20 | [Redacted] | $1144.10 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/07/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | 06/01/2055 | $52368.43 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 14.89 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20250990 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $3460.56 | [Redacted] | $288.38 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/30/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.18 |  |  |  |  |  |  |  | 06/01/2055 | $101833.40 | 13.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.12 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251049 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1283.04 | [Redacted] | $106.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/29/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.2 |  |  |  |  |  |  |  | 06/01/2055 | $186658.14 | 41.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.52 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251084 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  | 0 |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | 2 | [Redacted] | $1358.04 | [Redacted] | $113.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/22/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  |  |  |  |  | 06/01/2055 | $164869.91 | 42.280% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  | 14.17 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250988 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redacted] | $1391.04 | [Redacted] | $115.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/22/2025 | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | 06/01/2055 | $659771.79 | 44.330% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.72 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250963 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8375.00 | $10952.76 |  | 7.188% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7903.46 | 1 | [Redacted] | $1053.96 | [Redacted] | $87.83 |  |  |  |  |  | 36.139% | 36.139% | 36.139% | 04/09/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $8375.00 |  | 6.810% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 12.2 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250931 |  |  |  | Non QM |  |  |  | Yes | No | $27859.80 | $29139.21 |  | 8.124% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $48837.62 | 1 | [Redacted] | $3870.00 | [Redacted] | $322.50 |  |  |  |  |  | 18.393% | 18.393% | 18.393% | 04/09/2025 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $27859.80 |  | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.76 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251070 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $25334.20 | $27637.69 |  | 7.033% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12314.94 | 1 | [Redacted] | $3336.96 | [Redacted] | $278.08 |  |  |  |  |  | 49.612% | 49.612% | 49.612% | 03/03/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | [Redacted] | $25334.20 |  | 6.800% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | 06/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 21.33 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250959 |  |  |  | Non QM |  |  |  | Yes | No | $9647.15 | $10631.67 |  | 7.328% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3571.26 | 1 | [Redacted] | $1511.52 | [Redacted] | $125.96 |  |  |  |  |  | 42.669% | 42.669% | 42.669% | 04/23/2025 | 649 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $9647.15 |  | 6.870% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 16.11 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251089 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $3539.64 | [Redacted] | $294.97 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/05/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.4 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.66 |  |  |  |  |  |  |  | 06/01/2055 | $843056.99 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 101.62 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250982 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $2990.04 | [Redacted] | $249.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/24/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.9 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.2 |  |  |  |  |  |  |  | 06/01/2055 | $163384.44 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 50.5 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250995 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.500% | No | No |  |  |  |  |  |  | US Citizen | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | [Redacted] | $852.96 | [Redacted] | $71.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/27/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | 06/01/2055 | $441926.75 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Employment Authorization |  |  |  | 158.65 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251080 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $3147.00 | [Redacted] | $262.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/02/2025 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.9 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | 06/01/2055 | $636200.52 | 46.160% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.76 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251068 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1975.20 | [Redacted] | $164.60 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/31/2025 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 123.78 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250937 |  |  |  | Non QM |  |  |  | Yes | No | $7222.00 | $8712.65 |  | 7.334% | [Redacted] | [Redacted] | 6.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7734.98 | 1 | [Redacted] | $789.12 | [Redacted] | $65.76 |  |  |  |  |  | 35.504% | 35.504% | 35.504% | 04/09/2024 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7222.00 |  | 6.700% | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $419873.00 | 84.820% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.47 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250997 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $995.16 | [Redacted] | $82.93 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/28/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 06/01/2055 | $810144.63 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 258.92 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251064 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.000% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $909.96 | [Redacted] | $75.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/26/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.96 | 1.05 |  |  |  |  |  |  |  | 06/01/2055 | $362006.85 | 44.410% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 19.78 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250947 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1598.04 | [Redacted] | $133.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/20/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 50.08 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250998 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $2859.96 | [Redacted] | $238.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/08/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 4 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | 06/01/2055 | $1483385.03 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 190 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251046 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.750% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1262.04 | [Redacted] | $105.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/07/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.09 |  |  |  |  |  |  |  | 06/01/2055 | $949346.74 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 177.57 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251111 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $26335.00 | $26374.59 |  | 6.838% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $284150.91 | 1 | [Redacted] | $19536.00 | [Redacted] | $1628.00 |  |  |  |  |  | 10.656% | 10.656% | 10.656% |  | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 60 | Business | 100.000% | 95.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $26335.00 |  | 6.810% | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | No |  |  |  | 06/01/2055 | $60778.17 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 31.12 |  | No | No |  | $70186.44 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250996 |  |  |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $8115.00 | $8560.30 |  | 8.408% | [Redacted] | [Redacted] | 8.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5039.49 | 1 | [Redacted] | $855.96 | [Redacted] | $71.33 |  |  |  |  |  | 41.560% | 41.560% | 41.560% | 05/15/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $8115.00 |  | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 06/01/2055 | $22908.43 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.67 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251057 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1422.00 | [Redacted] | $118.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/08/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.91 |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 111.84 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20250999 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $6318.00 | [Redacted] | $526.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/30/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 06/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 22.14 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251051 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1995.60 | [Redacted] | $166.30 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/07/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.55 | 0.64 |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 115.27 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251103 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $13056.09 | $6083.76 |  | 7.441% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $29084.47 | 1 | [Redacted] | $1574.04 | [Redacted] | $131.17 |  |  |  |  |  | 14.041% | 14.041% | 14.041% | 04/28/2025 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $13056.09 |  | 6.870% | $400.00 | 1.4 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 07/01/2055 | $186982.79 | 26.520% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 19.47 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251012 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14387.50 | $18825.14 |  | 6.947% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $47969.95 | 1 | [Redacted] | $11536.08 | [Redacted] | $961.34 |  |  |  |  |  | 19.678% | 19.678% | 19.678% | 04/18/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2020 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $14387.50 |  | 6.740% | $0.00 | 1.2 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 07/01/2055 | $403754.00 | 34.360% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 17.42 |  | No | No |  | $29860.96 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251249 |  |  |  | Non QM |  |  |  | Yes | No | $20126.28 | $22220.03 |  | 7.669% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $28419.77 | 1 | [Redacted] | $1893.00 | [Redacted] | $157.75 |  |  |  |  |  | 19.582% | 19.582% | 19.582% | 02/18/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $20126.28 |  | 6.650% | $18000.00 | 2.6 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $28588.28 | 3.400% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.88 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251254 |  |  |  | Non QM |  |  |  | Yes | No | $10005.63 | $5412.39 |  | 7.038% | [Redacted] | [Redacted] | 6.875% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8724.78 | 1 | [Redacted] | $1187.04 | [Redacted] | $98.92 |  |  |  |  |  | 41.433% | 41.433% | 41.433% |  | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 62.000% |  | 100.000% |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $10005.63 |  | 6.620% | $8500.00 | 2.4 |  |  |  | N/A | No | 6.875% | 1 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $563140.06 | 100.000% | No | 10 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 195.21 | Retail | No | No |  | $9263.68 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251247 |  |  |  | Non QM |  |  |  | Yes | No | $1695.00 | $7328.00 |  | 7.327% | [Redacted] | [Redacted] | 7.250% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6742.49 | 1 | [Redacted] | $1848.00 | [Redacted] | $154.00 |  |  |  |  |  | 44.009% | 44.009% | 44.009% | 02/25/2025 | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1695.00 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $750404.73 | 87.760% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 83.15 | Retail | Yes | No |  | $1660.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251259 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $23731.81 |  | 7.506% | [Redacted] | [Redacted] | 7.500% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $293043.62 | 1 | [Redacted] | $6366.96 | [Redacted] | $530.58 |  |  |  |  |  | 12.087% | 12.087% | 12.087% |  | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1640.00 |  | 6.660% | $0.00 | 2.6 |  |  |  | N/A | No | 7.500% | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $1642097.19 | 35.500% | No | 1 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 20.41 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251280 |  |  |  | Non QM |  |  |  | Yes | No | $14939.72 | $19104.50 |  | 8.894% | [Redacted] | [Redacted] | 8.500% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $9435.95 | 1 | [Redacted] | $5266.08 | [Redacted] | $438.84 |  |  |  |  |  | 36.817% | 36.817% | 36.817% | 02/26/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $14939.72 |  | 6.650% | $2180.00 | 2.5 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 05/01/2055 | $65040.55 | 12.040% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 7.27 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251275 |  |  |  | Non QM |  |  |  | Yes | No | $1928.25 | $4032.51 |  | 7.115% | [Redacted] | [Redacted] | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5279.89 | 1 | [Redacted] | $883.20 | [Redacted] | $73.60 |  |  |  |  |  | 31.379% | 31.379% | 31.379% | 12/11/2024 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1928.25 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 2 | 0 |  |  | 2.67 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $319490.74 | 65.870% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 42.9 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251312 |  |  |  | Non QM |  |  |  | Yes | No | $12948.75 | $15574.37 |  | 8.851% | [Redacted] | [Redacted] | 8.490% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5448.60 | 1 | [Redacted] | $11379.00 | [Redacted] | $948.25 |  |  |  |  |  | 46.223% | 46.223% | 46.223% | 02/18/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $12948.75 |  | 6.620% | $62795.71 | 1.6 |  |  |  | N/A | No | 8.490% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 05/01/2055 | $66300.00 | 13.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.95 | Broker |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251283 |  |  |  | Non QM |  |  |  | Yes | No | $4880.25 | $7411.33 |  | 7.119% | [Redacted] | [Redacted] | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11452.44 | 1 | [Redacted] | $2462.04 | [Redacted] | $205.17 |  |  |  |  |  | 44.856% | 44.856% | 44.856% | 03/03/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $4880.25 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $215236.38 | 33.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.77 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251257 |  |  |  | Non QM |  |  |  | Yes | No | $2193.52 | $5197.47 |  | 7.312% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $57519.92 | 1 | [Redacted] | $1177.56 | [Redacted] | $98.13 |  |  |  |  |  | 23.312% | 23.312% | 23.312% | 03/10/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2193.52 |  | 6.660% | $0.00 | 1.4 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $166720.50 | 26.500% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 102.45 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251242 |  |  |  | Non QM |  |  |  | Yes | No | $7876.52 | $10626.15 |  | 8.743% | [Redacted] | [Redacted] | 8.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14519.45 | 1 | [Redacted] | $1593.00 | [Redacted] | $132.75 |  |  |  |  |  | 23.830% | 23.830% | 23.830% | 03/12/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7876.52 |  | 6.650% | $0.00 | 4 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 109.16 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251260 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $3977.78 |  | 7.298% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17237.54 | 1 | [Redacted] | $2700.96 | [Redacted] | $225.08 |  |  |  |  |  | 23.015% | 23.015% | 23.015% | 03/21/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1640.00 |  | 6.660% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $32375.37 | 3.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.77 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251287 |  |  |  | Non QM |  |  |  | Yes | No | $2025.25 | $4653.65 |  | 7.558% | [Redacted] | [Redacted] | 7.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10295.79 | 1 | [Redacted] | $861.36 | [Redacted] | $71.78 |  |  |  |  |  | 33.036% | 33.036% | 33.036% | 03/21/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2025.25 |  | 6.650% | $0.00 | 3.3 |  |  |  | N/A | No | 7.500% | 2 |  | 0 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $218175.77 | 36.660% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.07 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251321 |  |  |  | Non QM |  |  |  | Yes | No | $1620.00 | $9151.13 |  | 7.311% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $29155.78 | 1 | [Redacted] | $3065.04 | [Redacted] | $255.42 |  |  |  |  |  | 33.698% | 33.698% | 33.698% | 03/14/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1620.00 |  | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 05/01/2055 | $601249.07 | 49.480% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 56.65 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251272 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $5166.56 |  | 7.407% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10024.65 | 1 | [Redacted] | $4002.84 | [Redacted] | $333.57 |  |  |  |  |  | 43.773% | 43.773% | 43.773% | 03/16/2025 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | 12 | Personal, Business | 52.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1640.00 |  | 6.650% | $0.00 | 1.3 |  |  |  | N/A | No | 7.375% | 0 | 0 | 2 | 0 | 3 | 2 | 12 | 12 | 0.00 | Yes |  |  |  |  | Other |  |  |  |  | 05/01/2055 | $905548.06 | 84.230% | Yes |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 113.78 | Retail | No | No |  | $8579.69 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251244 |  |  |  | Non QM |  |  |  | Yes | No | $7640.00 | $10337.60 |  | 6.768% | [Redacted] | [Redacted] | 6.625% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20264.20 | 1 | [Redacted] | $18958.08 | [Redacted] | $1579.84 |  |  |  |  |  | 42.191% | 42.191% | 42.191% | 03/13/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7640.00 |  | 6.650% | $0.00 | 2.9 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $123349.26 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 16.22 | Retail | No | No |  | $35053.86 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251303 |  |  |  | Non QM |  |  |  | Yes | No | $17815.00 | $19779.30 |  | 7.162% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7236.35 | 2 | [Redacted] | $2343.00 | [Redacted] | $195.25 |  |  |  |  |  | 47.249% | 47.249% | 47.249% | 03/13/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $17815.00 |  | 6.620% | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 2.80 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $29433.50 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.56 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251304 |  |  |  | Non QM |  |  |  | Yes | No | $1745.00 | $2976.28 |  | 7.291% | [Redacted] | [Redacted] | 7.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4380.17 | 1 | [Redacted] | $1385.04 | [Redacted] | $115.42 |  |  |  |  |  | 38.581% | 38.581% | 38.581% | 03/04/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1745.00 |  | 6.620% | $2103.68 | 2.8 |  |  |  | N/A | No | 7.125% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $78332.01 | 41.220% | No | 27 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.19 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251261 |  |  |  | Non QM |  |  |  | Yes | No | $23795.68 | $25893.03 |  | 9.816% | [Redacted] | [Redacted] | 9.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $39579.27 | 1 | [Redacted] | $8061.96 | [Redacted] | $671.83 |  |  |  |  |  | 23.943% | 23.943% | 23.943% | 03/11/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $23795.68 |  | 6.660% | $0.00 | 1.3 |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $112707.85 | 15.540% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.28 | Broker | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251251 |  |  |  | Non QM |  |  |  | Yes | No | $1909.00 | $3354.00 |  | 7.473% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14094.32 | 1 | [Redacted] | $1643.40 | [Redacted] | $136.95 |  |  |  |  |  | 37.630% | 37.630% | 37.630% | 03/31/2025 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1909.00 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 52.59 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251266 |  |  |  | Non QM |  |  |  | Yes | No | $1790.00 | $2836.45 |  | 7.867% | [Redacted] | [Redacted] | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5339.03 | 1 | [Redacted] | $599.04 | [Redacted] | $49.92 |  |  |  |  |  | 35.993% | 35.993% | 35.993% | 03/19/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1790.00 |  | 6.660% | $0.00 | 2.9 |  |  |  | N/A | No | 7.750% | 1 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $80108.10 | 29.130% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.5 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251250 |  |  |  | Non QM |  |  |  | Yes | No | $4893.45 | $10213.98 |  | 7.532% | [Redacted] | [Redacted] | 7.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16904.85 | 1 | [Redacted] | $1214.04 | [Redacted] | $101.17 |  |  |  |  |  | 49.778% | 49.778% | 49.778% |  | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $4893.45 |  | 6.660% | $0.00 | 1.8 |  |  |  | N/A | No | 7.500% | 0 | 0 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $329320.02 | 11.560% | No | 13 | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 27.48 | Retail |  | No |  | $9474.83 | $12185.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251243 |  |  |  | Non QM |  |  |  | Yes | No | $5375.92 | $6505.74 |  | 8.106% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $27932.49 | 1 | [Redacted] | $2696.04 | [Redacted] | $224.67 |  |  |  |  |  | 20.135% | 20.135% | 20.135% | 03/26/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $5375.92 |  | 6.650% | $0.00 | 2.6 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 90.4 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251318 |  |  |  | Non QM |  |  |  | Yes | No | $13898.75 | $1252.81 |  | 6.637% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5425.48 | 1 | [Redacted] | $699.00 | [Redacted] | $58.25 |  |  |  |  |  | 43.045% | 43.045% | 43.045% | 03/10/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  | Borrower Prepared | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Borrower-prepared P&L - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $13898.75 |  | 6.620% | $22699.40 | 1 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $122014.17 | 22.380% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.7 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251317 |  |  |  | Non QM |  |  |  | Yes | No | $21308.00 | $24809.20 |  | 7.123% | [Redacted] | [Redacted] | 7.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $49086.31 | 1 | [Redacted] | $1489.08 | [Redacted] | $124.09 |  |  |  |  |  | 26.913% | 26.913% | 26.913% |  | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $21308.00 |  | 6.650% | $0.00 | 2.9 |  |  |  | N/A | No | 7.000% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $206689.75 |  | No |  | 28 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 16.45 | Retail | No | No |  | $0.00 | $46328.53 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251314 |  |  |  | Non QM |  |  |  | Yes | No | $4896.00 | $19099.23 |  | 7.914% | [Redacted] | [Redacted] | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $35480.94 | 2 | [Redacted] | $2769.96 | [Redacted] | $230.83 |  |  |  |  |  | 30.200% | 30.200% | 30.200% | 03/03/2025 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 |  |  | [Redacted] | $4896.00 |  | 6.620% | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 57.11 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251264 |  |  |  | Non QM |  |  |  | Yes | No | $2473.16 | $3953.66 |  | 7.163% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $142747.74 | 1 | [Redacted] | $10463.04 | [Redacted] | $871.92 |  |  |  |  |  | 6.765% | 6.765% | 6.765% | 03/26/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2014<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2014 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2473.16 |  | 6.620% | $10000.00 | 1.1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $317876.07 | 36.960% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.75 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251326 |  |  |  | Non QM |  |  |  | Yes | No | $1740.00 | $5650.64 |  | 8.855% | [Redacted] | [Redacted] | 8.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18084.89 | 1 | [Redacted] | $1200.00 | [Redacted] | $100.00 |  |  |  |  |  | 37.374% | 37.374% | 37.374% | 04/16/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1740.00 |  | 6.700% | $0.00 | 1 |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $104896.62 | 16.180% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.13 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251327 |  |  |  | Non QM |  |  |  | Yes | No | $13908.60 | $0.00 |  | 8.360% | [Redacted] | [Redacted] | 8.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16960.44 | 1 | [Redacted] | $9333.00 | [Redacted] | $777.75 |  |  |  |  |  | 45.480% | 45.480% | 45.480% |  | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $13908.60 |  | 6.700% | $54551.18 | 2.2 |  |  |  | N/A | No | 8.375% | 1 | 1 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $302383.12 | 24.360% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 27.87 | Retail | No | No |  | $5704.67 | $12977.47 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251274 |  |  |  | Non QM |  |  |  | Yes | No | $5369.00 | $6853.98 |  | 7.341% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $41528.02 | 1 | [Redacted] | $1612.44 | [Redacted] | $134.37 |  |  |  |  |  | 11.417% | 11.417% | 11.417% | 03/19/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2009<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2006 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $5369.00 |  | 6.650% | $0.00 | 2.1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 62.81 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250927 |  |  |  | Non QM |  |  |  | Yes | No | $8360.00 | $10265.40 |  | 7.721% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8844.08 | 1 | [Redacted] | $1407.00 | [Redacted] | $117.25 |  |  |  |  |  | 31.623% | 31.623% | 31.623% | 03/06/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $8360.00 |  | 6.660% | $0.00 | 2.6 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 05/01/2055 | $120075.26 | 20.700% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.85 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251253 |  |  |  | Non QM |  |  |  | Yes | No | $5675.00 | $8165.14 |  | 6.733% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5980.84 | 1 | [Redacted] | $1652.04 | [Redacted] | $137.67 |  |  |  |  |  | 47.678% | 47.678% | 47.678% | 03/19/2025 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $5675.00 |  | 6.650% | $0.00 | 1.1 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 05/01/2055 | $37081.72 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.44 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251295 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $3555.08 |  | 7.834% | [Redacted] | [Redacted] | 7.750% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $6038.48 | 1 | [Redacted] | $3753.96 | [Redacted] | $312.83 |  |  |  |  |  | 41.814% | 41.814% | 41.814% | 03/19/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1640.00 |  | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $11896.83 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 6.55 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251267 |  |  |  | Non QM |  |  |  | Yes | No | $1445.00 | $437.52 |  | 8.114% | [Redacted] | [Redacted] | 8.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $32461.09 | 1 | [Redacted] | $1283.04 | [Redacted] | $106.92 |  |  |  |  |  | 19.578% | 19.578% | 19.578% | 03/26/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1445.00 |  | 6.660% | $18968.93 | 1 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $14000.00 | 3.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.09 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251322 |  |  |  | Non QM |  |  |  | Yes | No | $21195.00 | $23060.29 |  | 7.197% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15021.64 | 1 | [Redacted] | $1376.04 | [Redacted] | $114.67 |  |  |  |  |  | 29.139% | 23.163% | 29.139% | 02/06/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Personal - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $21195.00 |  | 6.700% | $0.00 | 1.7 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 05/01/2055 | $327334.91 | 32.730% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 37.99 | Retail |  | No |  | $10599.39 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251296 |  |  |  | Non QM |  |  |  | Yes | No | $1590.00 | $3117.43 |  | 7.573% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15979.77 | 1 | [Redacted] | $3185.04 | [Redacted] | $265.42 |  |  |  |  |  | 26.825% | 26.825% | 26.825% | 03/06/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1590.00 |  | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 43.27 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251245 |  |  |  | Non QM |  |  |  | Yes | No | $5719.50 | $6951.97 |  | 7.286% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25175.79 | 1 | [Redacted] | $1398.96 | [Redacted] | $116.58 |  |  |  |  |  | 19.589% | 19.589% | 19.589% | 03/18/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $5719.50 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 31.79 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251285 |  |  |  | Non QM |  |  |  | Yes | No | $2274.00 | $6939.97 |  | 7.200% | [Redacted] | [Redacted] | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3698.27 | 1 | [Redacted] | $1511.04 | [Redacted] | $125.92 |  |  |  |  |  | 48.822% | 48.822% | 48.822% | 03/15/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2009 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2274.00 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $155267.50 | 34.500% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.81 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251291 |  |  |  | Non QM |  |  |  | Yes | No | $6045.00 | $6766.91 |  | 7.224% | [Redacted] | [Redacted] | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7012.27 | 1 | [Redacted] | $1560.00 | [Redacted] | $130.00 |  |  |  |  |  | 24.508% | 24.508% | 24.508% | 01/30/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal, Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $6045.00 |  | 6.620% | $0.00 | 2 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 32.18 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251302 |  |  |  | Non QM |  |  |  | Yes | No | $1125.00 | $3734.36 |  | 7.144% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $54299.66 | 1 | [Redacted] | $4844.04 | [Redacted] | $403.67 |  |  |  |  |  | 32.125% | 32.125% | 32.125% | 02/27/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1125.00 |  | 6.620% | $0.00 | 2.4 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.35 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251281 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $2774.50 |  | 7.549% | [Redacted] | [Redacted] | 7.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9936.08 | 1 | [Redacted] | $2679.96 | [Redacted] | $223.33 |  |  |  |  |  | 49.002% | 49.002% | 49.002% |  | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1640.00 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $41818.86 |  | No | 15 | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 8.02 | Retail |  | No |  | $0.00 | $7344.64 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251289 |  |  |  | Non QM |  |  |  | Yes | No | $3595.33 | $3837.68 |  | 7.844% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2200.48 | 1 | [Redacted] | $3659.04 | [Redacted] | $304.92 |  |  |  |  |  | 40.953% | 40.953% | 40.953% | 04/04/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $3595.33 |  | 6.650% | $0.00 | 1.4 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $183023.41 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.69 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251308 |  |  |  | Non QM |  |  |  | Yes | No | $1295.00 | $2586.75 |  | 7.942% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9035.13 | 1 | [Redacted] | $2118.96 | [Redacted] | $176.58 |  |  |  |  |  | 46.911% | 46.911% | 46.911% | 02/11/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1295.00 |  | 6.620% | $0.00 | 1.8 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 40.64 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251319 |  |  |  | Non QM |  |  |  | Yes | No | $18259.16 | $20765.45 |  | 9.248% | [Redacted] | [Redacted] | 8.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23664.69 | 1 | [Redacted] | $5674.56 | [Redacted] | $472.88 |  |  |  |  |  | 24.474% | 24.474% | 24.474% | 03/26/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $18259.16 |  | 6.700% | $0.00 | 1 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 15.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $765462.20 | 98.130% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 99.89 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251306 |  |  |  | Non QM |  |  |  | Yes | No | $2203.20 | $4666.93 |  | 7.731% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $28455.10 | 1 | [Redacted] | $1080.00 | [Redacted] | $90.00 |  |  |  |  |  | 8.695% | 8.695% | 8.695% | 04/07/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2203.20 |  | 6.620% | $7500.00 | 3 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $310976.21 | 88.340% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 122.1 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251252 |  |  |  | Non QM |  |  |  | Yes | No | $23359.60 | $31785.94 |  | 8.060% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26688.80 | 1 | [Redacted] | $6329.88 | [Redacted] | $527.49 |  |  |  |  |  | 39.286% | 39.286% | 39.286% | 03/18/2025 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $23359.60 |  | 6.650% | $0.00 | 3.2 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 06/01/2055 | $956565.62 | 56.260% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 46.9 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251299 |  |  |  | Non QM |  |  |  | Yes | No | $12631.42 | $18758.72 |  | 7.965% | [Redacted] | [Redacted] | 7.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $42626.41 | 1 | [Redacted] | $9456.96 | [Redacted] | $788.08 |  |  |  |  |  | 26.463% | 26.463% | 26.463% | 04/14/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 25.000% | 25.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $12631.42 |  | 6.620% | $0.00 | 4.3 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $216359.84 | 24.750% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.62 | Retail | Yes | No |  | $28983.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251330 |  |  |  | Non QM |  |  |  | Yes | No | $22195.00 | $28301.56 |  | 7.601% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $166249.41 | 1 | [Redacted] | $3285.96 | [Redacted] | $273.83 |  |  |  |  |  | 6.686% | 6.686% | 6.686% | 03/18/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $22195.00 |  | 6.810% | $0.00 | 1.1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.73 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251300 |  |  |  | Non QM |  |  |  | Yes | No | $25395.00 | $25475.50 |  | 7.583% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $67726.33 | 1 | [Redacted] | $7335.00 | [Redacted] | $611.25 |  |  |  |  |  | 30.295% | 30.295% | 30.295% | 04/07/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $25395.00 |  | 6.620% | $0.00 | 3 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $70387.89 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.2 | Broker |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251294 |  |  |  | Non QM |  |  |  | Yes | No | $1419.00 | $4197.95 |  | 7.310% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19441.68 | 1 | [Redacted] | $3677.04 | [Redacted] | $306.42 |  |  |  |  |  | 41.607% | 41.607% | 41.607% | 03/31/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1419.00 |  | 6.620% | $8748.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $227769.23 | 27.600% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.2 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251273 |  |  |  | Non QM |  |  |  | Yes | No | $3618.13 | $5511.48 |  | 7.954% | [Redacted] | [Redacted] | 7.875% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $131744.21 | 1 | [Redacted] | $4556.64 | [Redacted] | $379.72 |  |  |  |  |  | 9.443% | 9.443% | 9.443% | 03/31/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $3618.13 |  | 6.650% | $0.00 | 1.8 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 10.73 | Retail | No | No |  | $145482.29 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251286 |  |  |  | Non QM |  |  |  | Yes | No | $7647.04 | $13150.29 |  | 7.495% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14013.67 | 1 | [Redacted] | $1062.00 | [Redacted] | $88.50 |  |  |  |  |  | 18.132% | 18.132% | 18.132% | 04/03/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7647.04 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 25.69 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251332 |  |  |  | Non QM |  |  |  | Yes | No | $1980.20 | $8265.30 |  | 7.801% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $53891.41 | 1 | [Redacted] | $2969.76 | [Redacted] | $247.48 |  |  |  |  |  | 10.806% | 10.806% | 10.806% |  | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 49.000% | 51.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1980.20 |  | 6.880% | $1000.00 | 1.6 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $154542.45 | 31.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.99 | Retail |  | No |  | $30814.41 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251320 |  |  |  | Non QM |  |  |  | Yes | No | $7183.88 | $14326.38 |  | 8.901% | [Redacted] | [Redacted] | 8.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $41008.43 | 1 | [Redacted] | $3210.00 | [Redacted] | $267.50 |  |  |  |  |  | 31.998% | 31.998% | 31.998% |  | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7183.88 |  | 6.700% | $0.00 | 1 |  |  |  | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $244106.39 | 25.030% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 26.86 | Retail | No | No |  | $17841.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251270 |  |  |  | Non QM |  |  |  | Yes | No | $3495.20 | $10984.30 |  | 7.709% | [Redacted] | [Redacted] | 7.625% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17985.34 | 1 | [Redacted] | $4380.96 | [Redacted] | $365.08 |  |  |  |  |  | 43.769% | 43.769% | 43.769% | 03/24/2025 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 57.000% |  | 100.000% |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $3495.20 |  | 6.650% | $5000.00 | 1 |  |  |  | N/A | No | 7.625% | 2 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $381990.58 | 40.200% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 24.33 | Retail | No | No |  | $18246.56 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251279 |  |  |  | Non QM |  |  |  | Yes | No | $14714.80 | $17247.42 |  | 7.173% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $28784.06 | 1 | [Redacted] | $2409.00 | [Redacted] | $200.75 |  |  |  |  |  | 13.254% | 13.254% | 13.254% | 02/10/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $14714.80 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 36.4 | Broker |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251311 |  |  |  | Non QM |  |  |  | Yes | No | $9048.60 | $13972.18 |  | 8.055% | [Redacted] | [Redacted] | 7.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13207.15 | 1 | [Redacted] | $1069.68 | [Redacted] | $89.14 |  |  |  |  |  | 41.862% | 41.862% | 41.862% |  | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $9048.60 |  | 6.810% | $2250.00 | 1.2 |  |  |  | N/A | No | 7.875% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 06/01/2055 | $1146250.31 | 100.000% | No | 27 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 185.56 | Retail | Yes | No |  | $0.00 | $4333.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251329 |  |  |  | Non QM |  |  |  | Yes | No | $9873.65 | $19112.17 |  | 7.961% | [Redacted] | [Redacted] | 7.875% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $61597.08 | 1 | [Redacted] | $6459.00 | [Redacted] | $538.25 |  |  |  |  |  | 23.795% | 23.795% | 23.795% | 04/10/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $9873.65 |  | 6.810% | $0.00 | 2.6 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 06/01/2055 | $5330423.90 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 440.5 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251309 |  |  |  | Non QM |  |  |  | Yes | No | $4709.15 | $6344.15 |  | 8.391% | [Redacted] | [Redacted] | 8.125% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $6556.80 | 1 | [Redacted] | $1053.00 | [Redacted] | $87.75 |  |  |  |  |  | 41.419% | 41.419% | 41.419% | 04/11/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $4709.15 |  | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 9.79 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251293 |  |  |  | Non QM |  |  |  | Yes | No | $8835.00 | $12444.49 |  | 7.464% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $28395.29 | 1 | [Redacted] | $2174.04 | [Redacted] | $181.17 |  |  |  |  |  | 26.542% | 26.542% | 26.542% | 04/07/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $8835.00 |  | 6.620% | $6200.00 | 2.4 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $343662.85 | 27.490% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.2 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251265 |  |  |  | Non QM |  |  |  | Yes | No | $2763.68 | $3874.34 |  | 6.853% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5320.85 | 1 | [Redacted] | $3303.96 | [Redacted] | $275.33 |  |  |  |  |  | 38.919% | 38.919% | 38.919% | 03/10/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 15 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 3]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 3]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 3]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 3]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 3]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 3]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 3]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2763.68 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 2 | 0 |  | 3 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $121194.10 | 33.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.91 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251262 |  |  |  | N/A |  |  |  | No | No | $4410.00 |  |  | 7.450% | [Redacted] | [Redacted] | 7.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3369.63 | 1 | [Redacted] | $2394.96 | [Redacted] | $199.58 |  |  |  |  |  | 37.876% | 37.876% | 37.876% | 02/27/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $4410.00 |  | 6.660% | $0.00 | 2.9 |  |  |  | N/A | No | 7.500% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $121057.74 |  | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 63.37 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251277 |  |  |  | N/A |  |  |  | No | No | $0.00 |  |  | 7.743% | [Redacted] | [Redacted] | 7.750% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $53231.28 | 1 | [Redacted] | $2900.04 | [Redacted] | $241.67 |  |  |  |  |  | 33.461% | 33.461% | 33.461% | 02/27/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] |  |  | 6.650% | $0.00 | 3.1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 66.21 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251307 |  |  |  | N/A |  |  |  | No | No | $0.00 |  |  | 7.443% | [Redacted] | [Redacted] | 7.500% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7834.54 | 1 | [Redacted] | $1551.96 | [Redacted] | $129.33 |  |  |  |  |  | 49.766% | 49.766% | 49.766% | 03/25/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] |  |  | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $0.00 |  | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 111.86 | Retail | No | No |  | $6753.86 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250914 |  |  |  | N/A |  |  |  | No | No | $7500.00 |  |  | 8.994% | [Redacted] | [Redacted] | 9.000% | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $5292.25 | 1 | [Redacted] | $1974.00 | [Redacted] | $164.50 |  |  |  |  |  | 45.105% | 45.105% | 45.105% | 02/26/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7500.00 |  | 6.810% | $0.00 | 1.8 |  |  |  | N/A | No | 9.000% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 80.75 | Retail | Yes | No |  | $9640.63 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251256 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1619.04 | [Redacted] | $134.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/05/2024 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.14 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251246 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1791.60 | [Redacted] | $149.30 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/25/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.71 |  |  |  |  |  |  |  | 05/01/2055 | $3000.00 | 1.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.64 | Broker |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251315 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $660.00 | [Redacted] | $55.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/09/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 |  |  |  |  |  |  |  | 05/01/2055 | $383975.00 | 57.540% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.71 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251255 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 8.250% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $777.96 | [Redacted] | $64.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/11/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.97 |  |  |  |  |  |  |  | 05/01/2055 | $136025.61 | 38.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.78 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20251248 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.990% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $533.04 | [Redacted] | $44.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/31/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | Yes | 142.98 | Retail |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251271 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $648.00 | [Redacted] | $54.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/10/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.12 |  |  |  |  |  |  |  | 05/01/2055 | $347350.65 | 66.730% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 61.29 | Broker |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251290 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1206.00 | [Redacted] | $100.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/20/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 05/01/2055 | $115474.16 | 38.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 24.71 | Broker |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20251301 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1887.00 | [Redacted] | $157.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/11/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 88.81 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251313 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.500% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $805.20 | [Redacted] | $67.10 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/25/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | 05/01/2055 | $288641.39 | 57.780% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 30.38 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20251316 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $5418.00 | [Redacted] | $451.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/17/2025 | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 05/01/2055 | $66670.46 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.11 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251268 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.500% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 2 | [Redacted] | $1446.96 | [Redacted] | $120.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/18/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.75 |  |  |  |  |  |  | 240 | 05/01/2055 | $458456.32 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 148.51 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251292 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redacted] | $2379.96 | [Redacted] | $198.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/07/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | 05/01/2055 | $32284.46 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.43 | Retail |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251258 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.875% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | [Redacted] | $1764.96 | [Redacted] | $147.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/20/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 22.25 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251288 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1090.92 | [Redacted] | $90.91 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/14/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.9 |  |  |  | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 05/01/2055 | $665595.56 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 100.57 | Broker |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251269 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1305.84 | [Redacted] | $108.82 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/20/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 58.66 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251297 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.625% | No | No |  |  |  |  | 0 | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | 2 | [Redacted] | $1841.52 | [Redacted] | $153.46 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/26/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | No | 20.25 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251324 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redacted] | $2154.00 | [Redacted] | $179.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/07/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | 05/01/2055 | $259290.73 | 62.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 59.77 | Retail |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251282 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $2113.20 | [Redacted] | $176.10 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/25/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | 05/01/2055 | $173388.39 | 49.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.28 | Broker |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251325 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $653.04 | [Redacted] | $54.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/14/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 3.8 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  | 240 | 05/01/2055 | $299857.12 | 44.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.41 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 20251284 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.500% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1728.96 | [Redacted] | $144.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/07/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | 05/01/2055 | $1168054.57 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 456.28 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251263 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 8.000% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1811.04 | [Redacted] | $150.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/07/2025 | 818 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.3 |  |  |  | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 83.03 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251323 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1566.00 | [Redacted] | $130.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/23/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | 05/01/2055 | $138597.36 | 58.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.83 | Retail |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251278 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 8.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1122.00 | [Redacted] | $93.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/26/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 05/01/2055 | $100558.22 | 26.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.76 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251276 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $684.96 | [Redacted] | $57.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/20/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 119.3 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251298 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.875% | No | No |  |  |  |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  |  | 3 | [Redacted] | $3234.00 | [Redacted] | $269.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/13/2025 | 761 | 771 | 744 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | 06/01/2055 | $542490.09 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 144.55 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251310 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.625% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $3093.00 | [Redacted] | $257.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/08/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.16 |  |  |  |  |  |  |  | 06/01/2055 | $706778.07 | 66.670% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 37.91 | Retail |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251331 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $374.04 | [Redacted] | $31.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/10/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  |  |  |  |  | 06/01/2055 | $429887.01 | 40.940% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.98 | Retail |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251305 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $2178.96 | [Redacted] | $181.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/11/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | 06/01/2055 | $378678.38 | 62.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 65.59 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20251328 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.000% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $4070.04 | [Redacted] | $339.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/07/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.17 |  |  |  |  |  |  |  | 06/01/2055 | $550071.57 | 71.530% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 53.67 | Broker |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251045 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.000% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $5460.96 | [Redacted] | $455.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/11/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 3.6 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.66 | 0.6 |  |  |  |  |  |  |  | 07/01/2055 | $20387.22 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 119.03 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 20251110 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.000% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1509.00 | [Redacted] | $125.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/07/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.8 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 07/01/2055 | $230594.63 | 38.430% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 4.51 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251112 |  |  |  | Non QM |  |  |  | Yes | No | $17305.00 | $25147.02 |  | 8.822% | [Redacted] | [Redacted] | 8.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $90140.16 | 1 | [Redacted] | $1259.04 | [Redacted] | $104.92 |  |  |  |  |  | 10.774% | 10.774% | 10.774% | 05/05/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $17305.00 |  | 6.930% | $0.00 | 2.6 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $31355.29 | 2.550% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.26 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251081 |  |  |  | Non QM |  |  |  | Yes | No | $11316.95 | $6731.39 |  | 7.338% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $8763.50 | 1 | [Redacted] | $1281.00 | [Redacted] | $106.75 |  |  |  |  |  | 32.812% | 32.812% | 32.812% | 03/02/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $11316.95 |  | 6.800% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $223407.33 | 37.990% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 29.68 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250955 |  |  |  | Non QM |  |  |  | Yes | No | $8643.33 | $10462.47 |  | 7.015% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2811.70 | 1 | [Redacted] | $1347.84 | [Redacted] | $112.32 |  |  |  |  |  | 49.575% | 49.575% | 49.575% | 04/09/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 1998 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $8643.33 |  | 6.810% | $1000.00 | 3.1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $208057.50 | 60.300% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.65 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251066 |  |  |  | Non QM |  |  |  | Yes | No | $12295.00 | $20792.50 |  | 8.018% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16016.11 | 1 | [Redacted] | $3429.00 | [Redacted] | $285.75 |  |  |  |  |  | 43.858% | 43.858% | 43.858% | 04/18/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 70.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $12295.00 |  | 6.800% | $0.00 | 3.7 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 16.23 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251090 |  |  |  | Non QM |  |  |  | Yes | No | $33119.32 | $45544.44 |  | 7.410% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $41685.00 | 1 | [Redacted] | $15096.48 | [Redacted] | $1258.04 |  |  |  |  |  | 34.363% | 34.363% | 34.363% |  | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% | 49.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2007<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $33119.32 |  | 6.800% | $0.00 | 3.7 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $867052.74 | 31.930% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 19.5 |  |  | No |  | $5961.92 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251075 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $31667.60 | $38193.60 |  | 7.531% | [Redacted] | [Redacted] | 7.250% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9834.07 | 1 | [Redacted] | $8815.08 | [Redacted] | $734.59 |  |  |  |  |  | 49.915% | 49.915% | 49.915% | 02/10/2025 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $31667.60 |  | 6.800% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | 07/01/2055 |  |  | No |  | 4 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 9.5 |  |  | No |  | $0.00 | $7560.83 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250971 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $2826.00 | [Redacted] | $235.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/31/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 3.5 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | 07/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 98.61 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251211 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1319.04 | [Redacted] | $109.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/30/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.94 | 1.07 |  |  |  |  |  |  |  | 07/01/2055 | $163053.17 | 36.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.49 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 20251204 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 3 | [Redacted] | $1418.40 | [Redacted] | $118.20 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/27/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.55 | 0.65 |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 91.87 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251093 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $41235.00 | $52011.50 |  | 7.464% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $424579.14 | 1 | [Redacted] | $5256.96 | [Redacted] | $438.08 |  |  |  |  |  | 5.037% | 5.037% | 5.037% | 05/08/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $41235.00 |  | 6.870% | $250000.00 | 2 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | No |  |  |  | 07/01/2055 | $25000.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 38.33 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251071 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $21134.20 | $8393.20 |  | 7.674% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $39159.96 | 1 | [Redacted] | $3287.04 | [Redacted] | $273.92 |  |  |  |  |  | 21.362% | 21.362% | 21.362% | 05/05/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $21134.20 |  | 6.800% | $10000.00 | 3.2 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 07/01/2055 | $120498.78 | 11.470% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.86 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250986 |  |  |  | Non QM |  |  |  | Yes | No | $19237.40 | $4660.86 |  | 7.414% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23164.92 | 1 | [Redacted] | $1574.04 | [Redacted] | $131.17 |  |  |  |  |  | 29.209% | 29.209% | 29.209% | 04/21/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $19237.40 |  | 6.920% | $145247.03 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $3000.00 | 0.460% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.66 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251196 |  |  |  | Non QM |  |  |  | Yes | No | $19781.59 | $26047.81 |  | 7.569% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $55683.66 | 1 | [Redacted] | $3648.96 | [Redacted] | $304.08 |  |  |  |  |  | 22.761% | 22.761% | 22.761% | 04/16/2025 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 80.000% | 20.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $19781.59 |  | 6.930% | $0.00 | 1.6 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 87.96 |  | No | No |  | $14418.44 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251087 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15252.96 | $19488.78 |  | 7.495% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21407.21 | 1 | [Redacted] | $2655.96 | [Redacted] | $221.33 |  |  |  |  |  | 23.574% | 23.574% | 23.574% | 03/20/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $15252.96 |  | 6.800% | $0.00 | 1.1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | No |  |  |  | 07/01/2055 | $106910.81 | 12.430% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.82 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251108 |  |  |  | Non QM |  |  |  | Yes | No | $4932.50 | $7278.25 |  | 7.423% | [Redacted] | [Redacted] | 6.875% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6165.17 | 1 | [Redacted] | $1220.64 | [Redacted] | $101.72 |  |  |  |  |  | 49.030% | 49.030% | 49.030% | 03/21/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Other - 2025<br> [Borrower - \| Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Primary Income - Pension]; 1099-R - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Other - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $4932.50 |  | 6.870% | $0.00 | 2.5 |  |  |  | N/A | No | 6.875% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $0.00 |  | No |  | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 34.77 |  | No | No |  | $0.00 | $7337.24 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251199 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $3513.60 | [Redacted] | $292.80 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/23/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.18 | 0.46 |  |  |  |  |  |  |  | 07/01/2055 | $23055.81 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.01 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251083 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | [Redacted] | $2523.60 | [Redacted] | $210.30 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/10/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.45 | 0.69 |  |  |  |  |  |  |  | 07/01/2055 | $3641492.44 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 662.46 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20251109 |  |  |  | Non QM |  |  |  | Yes | No | $7278.41 | $6001.88 |  | 9.265% | [Redacted] | [Redacted] | 8.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9032.13 | 1 | [Redacted] | $2618.04 | [Redacted] | $218.17 |  |  |  |  |  | 41.230% | 41.230% | 41.230% | 04/23/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 80.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7278.41 |  | 6.870% | $9000.00 | 1.7 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $167331.81 | 95.610% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.13 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251205 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11295.00 | $15026.58 |  | 7.395% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $846222.31 | 1 | [Redacted] | $6167.04 | [Redacted] | $513.92 |  |  |  |  |  | 3.636% | 3.636% | 3.636% | 04/21/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $11295.00 |  | 6.930% | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 07/01/2055 | $191645.73 | 17.420% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 679.91 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251217 |  |  |  | Non QM |  |  |  | Yes | No | $8019.14 | $12471.90 |  | 9.398% | [Redacted] | [Redacted] | 9.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9819.28 | 1 | [Redacted] | $1248.12 | [Redacted] | $104.01 |  |  |  |  |  | 49.107% | 49.107% | 49.107% | 04/30/2025 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | [Redacted] | $8019.14 |  | 6.920% | $0.00 | 1 |  |  |  | N/A | No | 9.250% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $139324.14 | 18.610% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.09 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251042 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 3 | [Redacted] | $1650.00 | [Redacted] | $137.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/06/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.69 | 0.59 |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 104.65 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251206 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $3110.04 | [Redacted] | $259.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/19/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | 07/01/2055 | $269052.14 | 44.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.73 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251076 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.000% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $2005.92 | [Redacted] | $167.16 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/13/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 07/01/2055 | $22418.62 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 6.25 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251201 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redacted] | $1410.96 | [Redacted] | $117.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/18/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | 07/01/2055 | $536353.86 | 47.250% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.33 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251106 |  |  |  | Non QM |  |  |  | Yes | No | $17647.27 | $9964.71 |  | 7.548% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4526.48 | 1 | [Redacted] | $1649.04 | [Redacted] | $137.42 |  |  |  |  |  | 46.843% | 46.843% | 46.843% | 05/15/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Child Support]; Cancelled Checks - 2025<br> [Borrower - \| Non-Primary Income - Child Support]; Other - 2025<br> [Borrower - \| Non-Primary Income - Child Support]; Divorce Decree - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $17647.27 |  | 6.870% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 1 |  | 0 | 0 | 2 | 0 |  |  | 3.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 31.55 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251095 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7338.75 | $3096.80 |  | 7.448% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8354.29 | 1 | [Redacted] | $3725.88 | [Redacted] | $310.49 |  |  |  |  |  | 28.742% | 28.742% | 28.742% | 05/15/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7338.75 |  | 6.870% | $0.00 | 1.8 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 23.95 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251073 |  |  |  | Non QM |  |  |  | Yes | No | $8572.00 | $6101.60 |  | 7.885% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3938.13 | 1 | [Redacted] | $3615.00 | [Redacted] | $301.25 |  |  |  |  |  | 45.789% | 45.789% | 45.789% | 05/12/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $8572.00 |  | 6.800% | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 79.34 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251202 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redacted] | $1757.04 | [Redacted] | $146.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/29/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 07/01/2055 | $79000.00 | 9.870% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.75 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20251197 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1212.00 | [Redacted] | $101.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/09/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | 07/01/2055 | $344936.60 | 63.870% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 86.06 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251194 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.750% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $0.00 | [Redacted] | $0.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/07/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  |  | 07/01/2055 | $136234.32 | 46.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.27 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20251082 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.750% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | [Redacted] | $356.04 | [Redacted] | $29.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/28/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 07/01/2055 | $312899.40 | 41.880% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 10.42 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250964 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $5973.96 | [Redacted] | $497.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/23/2025 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | 07/01/2055 | $104851.91 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 105.03 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251079 |  |  |  | Non QM |  |  |  | Yes | No | $4860.36 | $7630.52 |  | 6.989% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16314.03 | 1 | [Redacted] | $2249.04 | [Redacted] | $187.42 |  |  |  |  |  | 22.370% | 17.993% | 22.370% | 04/21/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $4860.36 |  | 6.800% | $5900.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 07/01/2055 | $39604.33 | 6.710% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.87 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251099 |  |  |  | Non QM |  |  |  | Yes | No | $10395.00 | $11909.23 |  | 7.808% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5850.41 | 1 | [Redacted] | $1685.04 | [Redacted] | $140.42 |  |  |  |  |  | 39.034% | 39.034% | 39.034% | 05/07/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $10395.00 |  | 6.870% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $81742.59 | 18.360% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251096 |  |  |  | Non QM |  |  |  | Yes | No | $13375.00 | $3485.25 |  | 7.800% | [Redacted] | [Redacted] | 7.750% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7048.10 | 1 | [Redacted] | $2265.00 | [Redacted] | $188.75 |  |  |  |  |  | 33.950% | 33.950% | 33.950% |  | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $13375.00 |  | 6.870% | $0.00 | 1.6 |  |  |  | N/A | No | 7.750% | 0 | 2 | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $286084.51 | 52.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 46.81 |  |  | No |  | $0.00 | $4333.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251210 |  |  |  | Non QM |  |  |  | Yes | No | $20157.20 | $9862.06 |  | 7.566% | [Redacted] | [Redacted] | 7.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7909.79 | 1 | [Redacted] | $3025.92 | [Redacted] | $252.16 |  |  |  |  |  | 41.409% | 41.409% | 41.409% | 04/15/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $20157.20 |  | 6.930% | $5000.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $162851.43 | 28.320% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.09 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251207 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $497.04 | [Redacted] | $41.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/28/2025 | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 07/01/2055 | $247531.47 | 48.530% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.23 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251209 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1314.00 | [Redacted] | $109.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/03/2025 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | 07/01/2055 | $28663.67 | 6.740% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 24.82 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251016 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.750% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1431.96 | [Redacted] | $119.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/10/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.16 |  |  |  |  |  |  |  | 07/01/2055 | $382276.33 | 34.750% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 6.78 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251098 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $2993.04 | [Redacted] | $249.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/05/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 3 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  |  |  |  |  | 07/01/2055 | $307022.84 | 36.120% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.2 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251421 |  |  |  | Non QM |  |  |  | Yes | No | $24045.00 | $28642.45 |  | 7.833% | [Redacted] | [Redacted] | 7.500% | No | No | Non-Employment Income | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16780.45 | 1 | [Redacted] | $1633.56 | [Redacted] | $136.13 |  |  |  |  |  | 37.487% | 37.487% | 37.487% |  | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | 24 | Business | 73.000% |  | 100.000% |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $24045.00 |  | 6.920% | $0.00 | 3.1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 07/01/2055 | $674041.21 | 65.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 64.85 |  |  | No |  | $19629.45 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251088 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5415.00 | $7020.05 |  | 7.795% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5424.89 | 1 | [Redacted] | $1440.00 | [Redacted] | $120.00 |  |  |  |  |  | 38.157% | 38.157% | 38.157% | 04/23/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 34.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 34.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 34.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 34.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 34.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 34.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $5415.00 |  | 6.800% | $1646.00 | 1.3 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 07/01/2055 | $98076.24 | 35.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.71 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251091 |  |  |  | Non QM |  |  |  | Yes | No | $20245.00 | $4250.15 |  | 7.410% | [Redacted] | [Redacted] | 7.375% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10939.59 | 1 | [Redacted] | $3090.84 | [Redacted] | $257.57 |  |  |  |  |  | 45.330% | 45.330% | 45.330% | 06/16/2025 | 820 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $20245.00 |  | 6.800% | $0.00 | 1.9 |  |  |  | N/A | No | 7.375% | 2 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 |  |  | No | 29 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 109.06 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250913 |  |  |  | Non QM |  |  |  | Yes | No | $1990.00 | $2371.28 |  | 7.897% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $45730.08 | 1 | [Redacted] | $2228.04 | [Redacted] | $185.67 |  |  |  |  |  | 27.748% | 27.748% | 27.748% | 01/30/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal, Business | 100.000% | 90.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1990.00 |  | 6.880% | $0.00 | 1.2 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $92418.33 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.78 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250925 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $3371.44 |  | 7.263% | [Redacted] | [Redacted] | 7.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14106.20 | 1 | [Redacted] | $8205.60 | [Redacted] | $683.80 |  |  |  |  |  | 44.632% | 44.632% | 44.632% | 03/19/2025 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Account Transcripts - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1640.00 |  | 6.620% | $0.00 | 1.3 |  |  |  | N/A | No | 7.250% | 1 |  | 2 | 0 | 3 | 4 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $488078.01 | 32.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.93 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250942 |  |  |  | Non QM |  |  |  | Yes | No | $10090.00 | $13374.84 |  | 7.534% | [Redacted] | [Redacted] | 7.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14382.72 | 1 | [Redacted] | $0.00 | [Redacted] | $0.00 |  |  |  |  |  | 42.883% | 42.883% | 42.883% | 03/06/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $10090.00 |  | 6.650% | $2500.00 | 999 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $1394906.32 | 79.940% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 58.82 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250940 |  |  |  | Non QM |  |  |  | Yes | No | $10175.00 | $12098.78 |  | 7.844% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $37187.07 | 1 | [Redacted] | $1652.04 | [Redacted] | $137.67 |  |  |  |  |  | 22.934% | 22.934% | 22.934% | 04/07/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $10175.00 |  | 6.700% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $480083.07 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 175.65 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251001 |  |  |  | Non QM |  |  |  | Yes | No | $22989.00 | $30399.57 |  | 7.561% | [Redacted] | [Redacted] | 7.375% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23246.80 | 1 | [Redacted] | $9582.48 | [Redacted] | $798.54 |  |  |  |  |  | 42.681% | 42.681% | 42.681% | 03/24/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $22989.00 |  | 6.880% | $0.00 | 2.6 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $1280291.48 | 78.160% | No | 27 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 82.62 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250966 |  |  |  | Non QM |  |  |  | Yes | No | $11494.10 | $17283.63 |  | 8.176% | [Redacted] | [Redacted] | 7.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20916.30 | 1 | [Redacted] | $5592.96 | [Redacted] | $466.08 |  |  |  |  |  | 32.850% | 32.850% | 32.850% |  | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - K-1 (< 25%)]; Employer Letter - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Paystubs - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Tax Return Extension (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $11494.10 |  | 6.810% | $0.00 | 2.1 |  |  |  | N/A | No | 7.875% | 0 | 1 | 2 | 0 | 3 | 2 |  |  | 1.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $206557.65 | 34.420% | No | 13 | 13 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 17.02 | Retail |  | No |  | $0.00 | $6864.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250961 |  |  |  | Non QM |  |  |  | Yes | No | $1690.00 | $6500.89 |  | 7.663% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9433.32 | 1 | [Redacted] | $2352.00 | [Redacted] | $196.00 |  |  |  |  |  | 47.915% | 47.915% | 47.915% | 04/02/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 19.000% | 33.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1099 Transcript - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1690.00 |  | 6.810% | $634.86 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $65435.35 | 7.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.32 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251026 |  |  |  | Non QM |  |  |  | Yes | No | $4623.88 | $8339.58 |  | 7.919% | [Redacted] | [Redacted] | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12208.05 | 1 | [Redacted] | $1566.00 | [Redacted] | $130.50 |  |  |  |  |  | 43.270% | 43.270% | 43.270% | 04/01/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 99.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $4623.88 |  | 6.740% | $2100.00 | 1.4 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $135535.26 | 24.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.43 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250984 |  |  |  | Non QM |  |  |  | Yes | No | $25249.00 | $29981.73 |  | 8.140% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16426.86 | 1 | [Redacted] | $2704.32 | [Redacted] | $225.36 |  |  |  |  |  | 49.942% | 49.942% | 49.942% | 03/20/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2018<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $25249.00 |  | 6.880% | $0.00 | 1.3 |  |  |  | N/A | No | 7.875% | 0 |  | 1 | 0 | 4 | 2 |  |  | 15.97 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $76370.52 | 5.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.67 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251006 |  |  |  | Non QM |  |  |  | Yes | No | $1213.13 | $2306.51 |  | 6.925% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11677.87 | 1 | [Redacted] | $1104.00 | [Redacted] | $92.00 |  |  |  |  |  | 23.149% | 23.149% | 23.149% | 04/23/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1213.13 |  | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $349573.61 | 86.310% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 134.48 | Broker | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250976 |  |  |  | Non QM |  |  |  | Yes | No | $3565.60 | $9252.59 |  | 7.918% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16124.21 | 1 | [Redacted] | $2679.72 | [Redacted] | $223.31 |  |  |  |  |  | 46.494% | 46.494% | 46.494% | 05/01/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $3565.60 |  | 6.880% | $0.00 | 3.3 |  |  |  | N/A | No | 7.875% | 2 | 2 | 2 | 0 | 2 | 2 |  |  | 15.30 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $387464.33 | 30.380% | No |  | 28 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.21 | Retail | Yes | No |  | ($49.83) | $14213.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251054 |  |  |  | Non QM |  |  |  | Yes | No | $9237.80 | $8474.99 |  | 8.030% | [Redacted] | [Redacted] | 7.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5484.53 | 1 | [Redacted] | $561.00 | [Redacted] | $46.75 |  |  |  |  |  | 47.349% | 47.349% | 47.349% | 04/24/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $9237.80 |  | 6.740% | $12001.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $339927.70 | 50.960% | No | 4 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.09 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250938 |  |  |  | Non QM |  |  |  | Yes | No | $7300.00 | $10000.14 |  | 8.237% | [Redacted] | [Redacted] | 8.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16217.94 | 1 | [Redacted] | $1461.96 | [Redacted] | $121.83 |  |  |  |  |  | 45.693% | 45.693% | 45.693% | 03/28/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7300.00 |  | 6.870% | $0.00 | 1 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $160496.30 | 16.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.05 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251009 |  |  |  | Non QM |  |  |  | Yes | No | $1695.00 | $20622.53 |  | 7.622% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $35200.72 | 1 | [Redacted] | $4959.84 | [Redacted] | $413.32 |  |  |  |  |  | 28.723% | 28.723% | 28.723% | 04/21/2025 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1695.00 |  | 6.880% | $70000.00 | 1.3 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $232249.78 | 13.860% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.99 | Retail | Yes | No |  | $24692.79 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250928 |  |  |  | Non QM |  |  |  | Yes | No | $7500.00 | $14934.83 |  | 7.611% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $62512.67 | 1 | [Redacted] | $4492.08 | [Redacted] | $374.34 |  |  |  |  |  | 17.162% | 17.162% | 17.162% | 04/01/2025 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7500.00 |  | 6.700% | $1350.00 | 4.9 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $1591497.25 | 83.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 47.69 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250956 |  |  |  | Non QM |  |  |  | Yes | No | $3171.20 | $11032.01 |  | 7.272% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $34895.78 | 1 | [Redacted] | $3735.00 | [Redacted] | $311.25 |  |  |  |  |  | 36.572% | 36.572% | 36.572% | 04/21/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $3171.20 |  | 6.810% | $27000.00 | 2.3 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 06/01/2055 | $168000.13 | 5.790% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.27 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251007 |  |  |  | Non QM |  |  |  | Yes | No | $11359.20 | $21073.08 |  | 8.372% | [Redacted] | [Redacted] | 8.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $58357.09 | 1 | [Redacted] | $2683.32 | [Redacted] | $223.61 |  |  |  |  |  | 10.220% | 10.220% | 10.220% | 03/14/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $11359.20 |  | 6.880% | $0.00 | 2.1 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $79000.00 | 10.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 131.31 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251077 |  |  |  | Non QM |  |  |  | Yes | No | $3589.15 | $4167.91 |  | 9.099% | [Redacted] | [Redacted] | 8.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13721.87 | 1 | [Redacted] | $1446.96 | [Redacted] | $120.58 |  |  |  |  |  | 41.519% | 41.519% | 41.519% | 04/10/2025 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $3589.15 |  | 6.800% | $0.00 | 1 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 99.76 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251022 |  |  |  | Non QM |  |  |  | Yes | No | $7335.35 | $3215.88 |  | 8.151% | [Redacted] | [Redacted] | 8.125% | No | No | Self-Employed | Employed | Employed | Non-Employment Income | 18.43 | 0 | US Citizen | US Citizen | US Citizen | US Citizen |  |  |  |  | $19265.34 | 1 | [Redacted] | $3021.00 | [Redacted] | $251.75 |  |  |  |  |  | 44.868% | 44.868% | 44.868% | 04/07/2025 | 685 | 769 | 782 | 731 | 746 | 733 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | Yes | 24 | Personal | 54.000% | 100.000% |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7335.35 |  | 6.740% | $37003.60 | 1.9 |  |  |  | N/A | No | 8.125% | 0 | 2 | 0 | 0 | 3 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $386340.77 | 30.560% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  | 48.14 | Retail | No | No |  | $0.00 | $13845.86 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251058 |  |  |  | Non QM |  |  |  | Yes | No | $10402.23 | $11955.36 |  | 8.076% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $2313.04 | 1 | [Redacted] | $1212.72 | [Redacted] | $101.06 |  |  |  |  |  | 44.283% | 44.283% | 44.283% | 03/31/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2017<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2015 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $10402.23 |  | 6.740% | $0.00 | 2.6 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $82174.83 | 29.880% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 6.12 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251092 |  |  |  | Non QM |  |  |  | Yes | No | $19020.00 | $20188.64 |  | 8.084% | [Redacted] | [Redacted] | 7.750% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23105.66 | 1 | [Redacted] | $893.40 | [Redacted] | $74.45 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/28/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $19020.00 |  | 6.800% | $4250.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 06/01/2055 | $2462020.39 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 342.79 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251115 |  |  |  | Non QM |  |  |  | Yes | No | $1947.85 | $15742.21 |  | 7.301% | [Redacted] | [Redacted] | 7.000% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10751.85 | 1 | [Redacted] | $2451.96 | [Redacted] | $204.33 |  |  |  |  |  | 36.631% | 36.631% | 36.631% | 04/30/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1947.85 |  | 6.930% | $5000.00 | 4.6 |  |  |  | N/A | No | 7.000% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 07/01/2055 | $1403838.63 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 162.08 | Retail | Yes | No |  | $0.00 | $6818.93 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251104 |  |  |  | Non QM |  |  |  | Yes | No | $2490.00 | $7358.22 |  | 7.661% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $62756.51 | 1 | [Redacted] | $2869.92 | [Redacted] | $239.16 |  |  |  |  |  | 15.717% | 15.717% | 15.717% | 04/17/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 90.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2490.00 |  | 6.870% | $0.00 | 1.3 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 45.11 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251028 |  |  |  | Non QM |  |  |  | Yes | No | $7940.00 | $11624.26 |  | 6.883% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $73487.58 | 1 | [Redacted] | $1932.24 | [Redacted] | $161.02 |  |  |  |  |  | 7.742% | 7.742% | 7.742% | 04/27/2025 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7940.00 |  | 6.740% | $0.00 | 4.8 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 62.31 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251203 |  |  |  | Non QM |  |  |  | Yes | No | $1299.00 | $14387.02 |  | 7.511% | [Redacted] | [Redacted] | 7.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $216443.73 | 1 | [Redacted] | $6915.96 | [Redacted] | $576.33 |  |  |  |  |  | 10.292% | 10.292% | 10.292% | 02/25/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Projected Income]; Employment Offer - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1299.00 |  | 6.930% | $0.00 | 2 |  |  |  | N/A | No | 7.500% | 0 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $1038812.51 | 37.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.73 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251029 |  |  |  | Non QM |  |  |  | Yes | No | $15481.00 | $17387.31 |  | 9.006% | [Redacted] | [Redacted] | 8.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7686.09 | 1 | [Redacted] | $1943.16 | [Redacted] | $161.93 |  |  |  |  |  | 48.759% | 48.759% | 48.759% | 05/02/2025 | 641 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 |  |  | [Redacted] | $15481.00 |  | 6.800% | $0.00 | 1.4 |  |  |  | N/A | No | 8.375% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $62603.74 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.38 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251402 |  |  |  | Non QM |  |  |  | Yes | No | $21395.00 | $28372.72 |  | 8.242% | [Redacted] | [Redacted] | 8.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $27897.42 | 1 | [Redacted] | $9653.52 | [Redacted] | $804.46 |  |  |  |  |  | 30.250% | 30.250% | 30.250% | 04/14/2025 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  | 4 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $21395.00 |  | 6.740% | $0.00 | 1 |  |  |  | N/A | No | 8.000% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $433785.77 | 34.700% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.51 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251055 |  |  |  | Non QM |  |  |  | Yes | No | $6695.00 | $7684.04 |  | 7.568% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17165.57 | 1 | [Redacted] | $6347.88 | [Redacted] | $528.99 |  |  |  |  |  | 45.823% | 45.823% | 45.823% | 03/27/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $6695.00 |  | 6.740% | $0.00 | 3 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $1249279.88 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 166.08 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251047 |  |  |  | Non QM |  |  |  | Yes | No | $10940.00 | $16437.35 |  | 8.007% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19371.33 | 1 | [Redacted] | $2250.96 | [Redacted] | $187.58 |  |  |  |  |  | 43.559% | 43.559% | 43.559% | 05/22/2025 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2011 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $10940.00 |  | 6.740% | $0.00 | 2.7 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $128486.29 | 10.700% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.8 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250958 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1539.96 | [Redacted] | $128.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/21/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 4.9 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.8 |  |  |  |  |  |  |  | 05/01/2055 | $323097.78 |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 74.49 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250923 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1527.24 | [Redacted] | $127.27 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/30/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 3.7 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 84.82 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250970 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redacted] | $1140.96 | [Redacted] | $95.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/06/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.52 | 0.66 |  |  |  |  |  |  |  | 05/01/2055 | $298692.78 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 270.83 | Retail |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251040 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 8.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $3674.52 | [Redacted] | $306.21 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/07/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 3.3 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.64 | 0.61 |  |  |  |  |  |  |  | 06/01/2055 | $87000.00 | 10.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.68 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250980 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1800.00 | [Redacted] | $150.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/31/2025 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  | 240 | 06/01/2055 | $5000.00 | 0.820% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.78 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250965 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redacted] | $3433.32 | [Redacted] | $286.11 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/24/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 44.01 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250981 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 8.000% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1586.04 | [Redacted] | $132.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/28/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | 06/01/2055 | $128774.29 | 74.430% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 83.23 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251010 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.875% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redacted] | $2931.00 | [Redacted] | $244.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/20/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.22 |  |  |  |  |  |  |  | 06/01/2055 | $1798463.24 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 346.85 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20251069 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1550.64 | [Redacted] | $129.22 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/25/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 3.4 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 76.89 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250977 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $896.04 | [Redacted] | $74.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/04/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 26.68 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251034 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $2905.20 | [Redacted] | $242.10 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/13/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  |  |  |  |  | 06/01/2055 | $60000.00 | 6.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 29.31 | Retail |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251008 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $881.04 | [Redacted] | $73.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/30/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | 06/01/2040 | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 69.94 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251053 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $462.00 | [Redacted] | $38.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/15/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 06/01/2055 | $45000.00 | 10.460% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 120.91 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251015 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1022.04 | [Redacted] | $85.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/23/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.98 |  |  |  |  |  |  |  | 06/01/2055 | $248589.34 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 171.68 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251085 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $11404.20 | [Redacted] | $950.35 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/30/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | 06/01/2055 | $976641.50 | 86.420% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 78.73 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251392 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $756.00 | [Redacted] | $63.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/13/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  | 240 | 06/01/2055 | $83686.89 | 13.880% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.21 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251361 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $9654.96 | [Redacted] | $804.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/12/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.79 | 1.26 |  |  |  |  |  |  |  | 07/01/2055 | $492597.43 | 50.780% | No |  |  |  |  | Yes | Preliminary | Leasehold | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.93 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251350 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $3600.00 | [Redacted] | $300.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/08/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 07/01/2055 | $122220.37 | 26.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 151.25 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251019 |  |  |  | N/A |  |  |  | No | No | $9304.71 | $0.00 |  | 8.723% | [Redacted] | [Redacted] | 8.750% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11914.28 | 1 | [Redacted] | $398.64 | [Redacted] | $33.22 |  |  |  |  |  | 36.063% | 36.063% | 36.063% |  | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $9304.71 |  | 6.740% | $10425.00 | 999 |  |  |  | N/A | No | 8.750% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $399744.48 | 75.180% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 21.84 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251052 |  |  |  | N/A |  |  |  | No | No | $19866.00 |  |  | 9.594% | [Redacted] | [Redacted] | 9.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $55583.63 | 2 | [Redacted] | $4404.00 | [Redacted] | $367.00 |  |  |  |  |  | 20.885% | 20.885% | 20.885% | 01/27/2025 | 647 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 98.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 98.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 98.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 98.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 98.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 98.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 98.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 98.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 98.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 98.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $19866.00 |  | 6.740% | $0.00 |  |  |  |  | N/A | No | 9.625% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $252223.99 | 36.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.79 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251074 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14015.00 | $3205.91 |  | 7.792% | [Redacted] | [Redacted] | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8207.80 | 1 | [Redacted] | $1544.04 | [Redacted] | $128.67 |  |  |  |  |  | 40.543% | 40.543% | 40.543% | 05/10/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $14015.00 |  | 6.800% | $3000.00 | 1.6 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  |  | 4.50 | No |  |  |  |  |  | Not Stated |  |  |  | 07/01/2055 | $179462.87 | 28.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.36 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251208 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1250.04 | [Redacted] | $104.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/28/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.8 |  |  |  |  |  |  |  | 07/01/2055 | $283096.26 | 58.730% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.43 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250952 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.875% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $4509.36 | [Redacted] | $375.78 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/21/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | 07/01/2055 | $57937.53 | 15.450% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 17.24 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251114 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $7805.04 | [Redacted] | $650.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/04/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.9 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | 07/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 86.52 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251373 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $2849.04 | [Redacted] | $237.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/22/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.77 |  |  |  |  |  |  |  | 07/01/2055 | $1128995.12 | 76.800% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.29 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251218 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1467.96 | [Redacted] | $122.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/05/2025 | 819 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.74 |  |  |  |  |  |  |  | 07/01/2055 | $2370.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.84 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250983 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7366.30 | $9645.93 |  | 7.792% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13857.48 | 1 | [Redacted] | $378.96 | [Redacted] | $31.58 |  |  |  |  |  | 28.941% | 28.941% | 28.941% | 04/29/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2016 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7366.30 |  | 6.880% | $0.00 | 4 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 07/01/2055 | $95104.31 | 23.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.92 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251198 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8845.00 | $9877.00 |  | 6.901% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8048.17 | 1 | [Redacted] | $1026.96 | [Redacted] | $85.58 |  |  |  |  |  | 41.757% | 41.757% | 41.757% | 03/27/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $8845.00 |  | 6.930% | $0.00 | 1.7 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 07/01/2055 | $241101.80 | 28.700% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.57 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251374 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $19895.00 | $4258.88 |  | 7.655% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $36649.70 | 1 | [Redacted] | $2355.00 | [Redacted] | $196.25 |  |  |  |  |  | 17.740% | 17.740% | 17.740% | 05/23/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 5.000% | 95.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 5.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 5.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 5.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 5.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 5.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $19895.00 |  | 6.920% | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 07/01/2055 | $237697.58 | 20.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta |  |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 9.75 |  |  | No |  | $42325.73 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251215 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $2541.00 | [Redacted] | $211.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/02/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 07/01/2055 | $343647.02 | 68.040% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 62.23 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251349 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.000% | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  |  | 2 | [Redacted] | $3812.04 | [Redacted] | $317.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/20/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 104.07 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251390 |  |  |  | Non QM |  |  |  | Yes | No | $9743.65 | $10317.93 |  | 7.435% | [Redacted] | [Redacted] | 7.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3678.09 | 1 | [Redacted] | $1218.96 | [Redacted] | $101.58 |  |  |  |  |  | 38.640% | 38.640% | 38.640% | 06/06/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $9743.65 |  | 6.880% | $17472.78 | 1.4 |  |  |  | N/A | No | 7.000% | 2 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $117024.02 | 34.570% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.79 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251195 |  |  |  | Non QM |  |  |  | Yes | No | $10157.50 | $3638.15 |  | 7.673% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2221410.90 | 1 | [Redacted] | $10074.96 | [Redacted] | $839.58 |  |  |  |  |  | 1.079% | 1.079% | 1.079% | 05/27/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $10157.50 |  | 6.170% | $0.00 | 2.6 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2040 | $126000.00 | 20.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 84.85 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251378 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $13201.72 | $15494.38 |  | 8.102% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $21547.33 | 1 | [Redacted] | $4380.00 | [Redacted] | $365.00 |  |  |  |  |  | 26.522% | 26.522% | 26.522% | 04/02/2025 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $13201.72 |  | 6.920% | $0.00 | 3.7 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 24.58 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251389 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $813.96 | [Redacted] | $67.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/04/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 3.3 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 127.55 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251220 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1852.20 | [Redacted] | $154.35 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/02/2025 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.72 | 0.58 |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 125.71 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251347 |  |  |  | Non QM |  |  |  | Yes | No | $22387.00 | $19484.00 |  | 6.813% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16362.44 | 1 | [Redacted] | $2294.16 | [Redacted] | $191.18 |  |  |  |  |  | 22.209% | 22.209% | 22.209% | 04/23/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $22387.00 |  | 6.880% | $15000.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $38030.00 | 5.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.22 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251364 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7893.40 | $6829.86 |  | 7.081% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8645.11 | 1 | [Redacted] | $755.04 | [Redacted] | $62.92 |  |  |  |  |  | 23.773% | 23.773% | 23.773% | 06/02/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7893.40 |  | 6.920% | $10500.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 07/01/2055 | $126279.52 | 31.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.98 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251382 |  |  |  | Non QM |  |  |  | Yes | No | $32404.30 | $13787.41 |  | 7.012% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $44428.69 | 1 | [Redacted] | $2973.00 | [Redacted] | $247.75 |  |  |  |  |  | 15.148% | 15.148% | 15.148% |  | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 75.000% | 25.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $32404.30 |  | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 13.49 |  |  | No |  | $13090.01 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251216 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $23095.00 | $24925.00 |  | 7.605% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $42276.39 | 1 | [Redacted] | $2250.12 | [Redacted] | $187.51 |  |  |  |  |  | 33.114% | 33.114% | 33.114% | 06/23/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $23095.00 |  | 6.830% | $0.00 | 3.9 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 07/01/2055 | $341053.38 | 25.260% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.86 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251078 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6275.80 | $6463.88 |  | 7.329% | [Redacted] | [Redacted] | 7.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9408.95 | 1 | [Redacted] | $854.04 | [Redacted] | $71.17 |  |  |  |  |  | 37.947% | 37.947% | 37.947% | 05/14/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $6275.80 |  | 6.880% | $10000.00 | 1 |  |  |  | N/A | No | 7.125% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | 07/01/2055 | $107638.13 | 27.010% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.02 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251017 |  |  |  | Non QM |  |  |  | Yes | No | $1419.00 | $19522.29 |  | 7.398% | [Redacted] | [Redacted] | 7.375% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $82623.73 | 1 | [Redacted] | $3515.16 | [Redacted] | $292.93 |  |  |  |  |  | 34.251% | 34.251% | 34.251% | 04/21/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1419.00 |  | 6.740% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 06/01/2055 | $7269313.44 | 100.000% | No | 8 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 200.8 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251037 |  |  |  | Non QM |  |  |  | Yes | No | $1795.00 | $5219.24 |  | 7.405% | [Redacted] | [Redacted] | 7.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4887.16 | 1 | [Redacted] | $2748.00 | [Redacted] | $229.00 |  |  |  |  |  | 44.076% | 44.076% | 44.076% | 05/09/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1795.00 |  | 6.740% | $1080000.00 | 2.2 |  |  |  | N/A | No | 7.250% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $101901.32 | 8.050% | No | 28 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.07 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251027 |  |  |  | Non QM |  |  |  | Yes | No | $5695.00 | $9287.00 |  | 8.024% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6811.26 | 1 | [Redacted] | $1745.04 | [Redacted] | $145.42 |  |  |  |  |  | 39.127% | 39.127% | 39.127% | 04/14/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $5695.00 |  | 6.740% | $118187.90 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $82170.63 | 14.290% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.21 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251212 |  |  |  | Non QM |  |  |  | Yes | No | $10395.00 | $10373.25 |  | 7.981% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16129.90 | 1 | [Redacted] | $3132.00 | [Redacted] | $261.00 |  |  |  |  |  | 46.987% | 46.987% | 46.987% | 04/14/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 81.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $10395.00 |  | 6.920% | $0.00 | 3.1 |  |  |  | N/A | No | 7.875% | 0 | 2 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $155341.70 | 10.710% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.04 | Retail | Yes | No |  | $0.00 | $5879.03 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251030 |  |  |  | Non QM |  |  |  | Yes | No | $10975.00 | $14375.25 |  | 7.769% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $6159.41 | 1 | [Redacted] | $1146.96 | [Redacted] | $95.58 |  |  |  |  |  | 45.065% | 45.065% | 45.065% | 05/16/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $10975.00 |  | 6.740% | $0.00 | 2.6 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $181662.74 | 31.320% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 18.37 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251021 |  |  |  | Non QM |  |  |  | Yes | No | $1419.00 | $0.00 |  | 6.618% | [Redacted] | [Redacted] | 6.625% | No | Yes | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15415.97 | 1 | [Redacted] | $696.00 | [Redacted] | $58.00 |  |  |  |  |  | 35.920% | 35.920% | 35.920% | 04/16/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Borrower-prepared P&L - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1419.00 |  | 6.740% | $13590.89 | 1 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $180429.28 | 29.970% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 17.02 | Retail | No | No |  | $24057.50 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251067 |  |  |  | Non QM |  |  |  | Yes | No | $1709.00 | $10523.20 |  | 7.394% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $49057.77 | 1 | [Redacted] | $1553.04 | [Redacted] | $129.42 |  |  |  |  |  | 14.562% | 14.562% | 14.562% | 03/03/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2016 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1709.00 |  | 6.800% | $7000.00 | 1.1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 103.99 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251107 |  |  |  | Non QM |  |  |  | Yes | No | $7000.00 | $8856.17 |  | 8.267% | [Redacted] | [Redacted] | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3217.88 | 1 | [Redacted] | $1557.96 | [Redacted] | $129.83 |  |  |  |  |  | 41.779% | 41.779% | 41.779% | 03/20/2025 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 66.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7000.00 |  | 6.870% | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.33 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251094 |  |  |  | Non QM |  |  |  | Yes | No | $2865.00 | $5713.04 |  | 6.935% | [Redacted] | [Redacted] | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12361.27 | 1 | [Redacted] | $2124.00 | [Redacted] | $177.00 |  |  |  |  |  | 37.423% | 32.120% | 37.423% | 05/13/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2865.00 |  | 6.870% | $0.00 | 2.1 |  |  |  | N/A | No | 6.875% | 2 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 07/01/2055 | $764904.41 | 77.450% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 63.89 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251023 |  |  |  | Non QM |  |  |  | Yes | No | $1795.00 | $8525.55 |  | 7.426% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18400.10 | 1 | [Redacted] | $9407.52 | [Redacted] | $783.96 |  |  |  |  |  | 42.106% | 42.106% | 42.106% | 03/20/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1795.00 |  | 6.740% | $0.00 | 1.6 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $693139.31 | 36.480% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.65 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250915 |  |  |  | Non QM |  |  |  | Yes | No | $1750.00 | $9918.15 |  | 7.515% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $74451.05 | 1 | [Redacted] | $21795.96 | [Redacted] | $1816.33 |  |  |  |  |  | 32.829% | 32.829% | 32.829% | 04/14/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1750.00 |  | 6.800% | $0.00 | 4.8 |  |  |  | N/A | No | 7.500% | 3 |  | 2 | 0 | 3 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $1812134.54 | 77.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 69.51 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251011 |  |  |  | Non QM |  |  |  | Yes | No | $6207.50 | $7814.00 |  | 7.757% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3093.72 | 1 | [Redacted] | $7985.16 | [Redacted] | $665.43 |  |  |  |  |  | 49.976% | 49.976% | 49.976% | 04/30/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $6207.50 |  | 6.880% | $0.00 | 2.6 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $18528.80 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 73.19 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251065 |  |  |  | Non QM |  |  |  | Yes | No | $1550.00 | $4003.45 |  | 6.939% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7106.94 | 1 | [Redacted] | $4990.80 | [Redacted] | $415.90 |  |  |  |  |  | 40.808% | 40.808% | 40.808% | 05/09/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1550.00 |  | 6.800% | $0.00 | 1.6 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $168773.27 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 46.33 | Retail |  | No |  | $6003.31 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250935 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $777.00 | [Redacted] | $64.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/16/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 06/01/2055 | $224270.16 | 51.550% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.8 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251043 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.750% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redacted] | $1082.04 | [Redacted] | $90.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/08/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | 07/01/2055 | $332391.59 | 92.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 97.63 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251038 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.000% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redacted] | $1209.00 | [Redacted] | $100.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/07/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.88 | 1.13 |  |  |  |  |  |  |  | 07/01/2055 | $340966.12 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 127.1 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251113 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 8.000% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 3 | [Redacted] | $3970.08 | [Redacted] | $330.84 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/16/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | 07/01/2055 | $235084.25 | 33.580% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 8.22 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251384 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1410.00 | [Redacted] | $117.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/05/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.96 | 1.04 |  |  |  |  |  |  |  | 07/01/2040 | $129410.03 | 52.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.99 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251408 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $12741.72 | [Redacted] | $1061.81 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/16/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | 07/01/2055 | $81461.42 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.69 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251363 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $11451.84 | [Redacted] | $954.32 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/06/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.35 | 0.43 |  |  |  |  |  |  |  | 07/01/2055 | $568898.76 | 70.750% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 61.85 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20251372 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $893.04 | [Redacted] | $74.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/23/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.16 |  |  |  |  |  |  |  | 07/01/2055 | $268869.00 | 56.360% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 36.5 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251333 |  |  |  | Non QM |  |  |  | Yes | No | $5420.58 | $3802.70 |  | 7.651% | [Redacted] | [Redacted] | 7.500% | No | Yes | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21942.43 | 1 | [Redacted] | $879.96 | [Redacted] | $73.33 |  |  |  |  |  | 33.683% | 33.683% | 33.683% |  | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2016 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $5420.58 |  | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 | 1 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $131132.39 | 46.410% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.62 |  | Yes | No |  | $31127.38 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251419 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16826.01 | $2019.01 |  | 7.277% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24504.66 | 1 | [Redacted] | $2370.00 | [Redacted] | $197.50 |  |  |  |  |  | 20.644% | 20.644% | 20.644% | 06/05/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $16826.01 |  | 6.920% | $7000.00 | 1.6 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 07/01/2055 | $255885.23 | 26.870% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.85 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251380 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $22735.00 | $1137.00 |  | 7.326% | [Redacted] | [Redacted] | 7.375% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15703.67 | 1 | [Redacted] | $2004.24 | [Redacted] | $167.02 |  |  |  |  |  | 43.733% | 43.733% | 43.733% | 05/28/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $22735.00 |  | 6.920% | $25436.90 | 5 |  |  |  | N/A | No | 7.375% | 2 | 2 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 08/01/2055 | $1423399.60 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 153.81 |  | Yes | No |  | $11470.37 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251388 |  |  |  | Non QM |  |  |  | Yes | No | $13705.96 | $4802.78 |  | 7.641% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $12862.78 | 1 | [Redacted] | $1529.40 | [Redacted] | $127.45 |  |  |  |  |  | 18.815% | 18.815% | 18.815% | 06/04/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $13705.96 |  | 6.920% | $23300.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $59965.22 | 15.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 9.1 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251396 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10995.00 | $1883.39 |  | 7.666% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6296.22 | 1 | [Redacted] | $3073.20 | [Redacted] | $256.10 |  |  |  |  |  | 48.272% | 48.272% | 48.272% | 04/24/2025 | 631 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 40.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $10995.00 |  | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.57 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251221 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $17887.60 | $25379.20 |  | 7.145% | [Redacted] | [Redacted] | 6.990% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $31188.19 | 1 | [Redacted] | $4322.04 | [Redacted] | $360.17 |  |  |  |  |  | 37.407% | 37.407% | 37.407% | 05/23/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 78.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $17887.60 |  | 6.920% | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 | 2 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | 08/01/2055 | $264548.22 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 26.16 |  | No | No |  | $0.00 | $11003.20 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251063 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $21000.00 | $20761.17 |  | 8.099% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $43005.06 | 1 | [Redacted] | $4671.00 | [Redacted] | $389.25 |  |  |  |  |  | 27.051% | 27.051% | 27.051% |  | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2017 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $21000.00 |  | 6.800% | $0.00 | 2.8 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 10.36 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251056 |  |  |  | Non QM |  |  |  | Yes | No | $8650.78 | $10442.66 |  | 8.295% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $6078.25 | 1 | [Redacted] | $2061.60 | [Redacted] | $171.80 |  |  |  |  |  | 32.010% | 32.010% | 32.010% | 05/06/2025 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $8650.78 |  | 6.740% | $11000.00 | 3.1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $11096.94 | 3.850% | Yes |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 31.71 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250936 |  |  |  | Non QM |  |  |  | Yes | No | $5879.13 | $8201.16 |  | 7.485% | [Redacted] | [Redacted] | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $59142.07 | 1 | [Redacted] | $2033.40 | [Redacted] | $169.45 |  |  |  |  |  | 3.895% | 3.895% | 3.895% | 02/06/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $5879.13 |  | 6.360% | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $32095.08 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 21.08 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251200 |  |  |  | Non QM |  |  |  | Yes | No | $6495.00 | $10144.06 |  | 7.031% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10021.13 | 1 | [Redacted] | $5294.04 | [Redacted] | $441.17 |  |  |  |  |  | 32.083% | 32.083% | 32.083% | 04/21/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $6495.00 |  | 6.930% | $0.00 | 3.7 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 105.88 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251213 |  |  |  | Non QM |  |  |  | Yes | No | $2390.00 | $4242.43 |  | 7.551% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $26877.13 | 1 | [Redacted] | $4833.00 | [Redacted] | $402.75 |  |  |  |  |  | 36.539% | 36.539% | 36.539% | 05/28/2025 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2390.00 |  | 6.920% | $6000.00 | 2.1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $215710.05 | 27.130% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.94 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251086 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 8.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $646.56 | [Redacted] | $53.88 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/20/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 105 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251407 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redacted] | $5944.08 | [Redacted] | $495.34 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/05/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | 08/01/2055 | $145454.90 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 34.5 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251400 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redacted] | $1610.04 | [Redacted] | $134.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/05/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | 08/01/2055 | $168498.98 | 31.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.22 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251050 |  |  |  | Non QM |  |  |  | Yes | No | $13028.93 | $15389.46 |  | 7.251% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19943.81 | 1 | [Redacted] | $3926.04 | [Redacted] | $327.17 |  |  |  |  |  | 22.262% | 22.262% | 22.262% | 05/08/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $13028.93 |  | 6.740% | $0.00 | 2.6 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 | $490531.43 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 143.47 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251336 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $31495.00 | $10589.93 |  | 7.514% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $239057.43 | 1 | [Redacted] | $4458.96 | [Redacted] | $371.58 |  |  |  |  |  | 8.486% | 8.486% | 8.486% | 05/05/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $31495.00 |  | 6.880% | $0.00 | 2 |  |  |  | N/A | No | 7.500% | 0 |  | 2 | 0 | 2 | 2 |  |  | 5.00 | No |  |  |  |  |  | Not Stated |  |  |  | 08/01/2055 | $861797.14 | 37.460% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.85 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251411 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1758.84 | [Redacted] | $146.57 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/06/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.2 |  |  |  |  |  |  |  | 08/01/2055 | $125306.55 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 25.38 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250968 |  |  |  | Non QM |  |  |  | Yes | No | $6981.81 | $8527.58 |  | 7.017% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2282.48 | 1 | [Redacted] | $3036.96 | [Redacted] | $253.08 |  |  |  |  |  | 49.319% | 49.319% | 49.319% | 04/16/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $6981.81 |  | 6.810% | $212000.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $10687.31 | 3.090% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251020 |  |  |  | N/A |  |  |  | No | No | $9345.49 | $0.00 |  | 8.723% | [Redacted] | [Redacted] | 8.750% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9771.30 | 1 | [Redacted] | $398.64 | [Redacted] | $33.22 |  |  |  |  |  | 46.994% | 46.994% | 46.994% |  | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $9345.49 |  | 6.740% | $10471.00 | 999 |  |  |  | N/A | No | 8.750% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $399744.47 | 74.850% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 21.75 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250960 |  |  |  | Non QM |  |  |  | Yes | No | $1419.00 | $17259.40 |  | 7.191% | [Redacted] | [Redacted] | 7.000% | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | $8612.69 | 1 | [Redacted] | $1868.04 | [Redacted] | $155.67 |  |  |  |  |  | 43.531% | 43.531% | 43.531% |  | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | 12 | Business | 66.000% | 100.000% |  | Borrower Prepared | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 22.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 22.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Borrower-prepared P&L - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 22.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 22.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 22.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 22.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 22.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1419.00 |  | 6.810% | $0.00 | 1.3 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 06/01/2055 | $317832.26 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  | No | 27.58 | Retail |  | No |  | $5176.86 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251219 |  |  |  | Non QM |  |  |  | Yes | No | $1399.00 | $8511.43 |  | 8.414% | [Redacted] | [Redacted] | 8.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14832.24 | 1 | [Redacted] | $3681.36 | [Redacted] | $306.78 |  |  |  |  |  | 32.956% | 32.956% | 32.956% | 04/23/2025 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1399.00 |  | 6.870% | $22002.70 | 1 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $210329.27 | 38.940% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.57 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251031 |  |  |  | Non QM |  |  |  | Yes | No | $1695.00 | $14659.22 |  | 7.261% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $59358.02 | 1 | [Redacted] | $2180.16 | [Redacted] | $181.68 |  |  |  |  |  | 47.212% | 47.212% | 47.212% | 04/18/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 94.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1695.00 |  | 6.740% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 07/01/2055 | $1221322.67 | 43.640% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 37.36 | Retail | Yes | No |  | $56197.15 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251039 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $3887.05 |  | 7.557% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24887.42 | 1 | [Redacted] | $14802.00 | [Redacted] | $1233.50 |  |  |  |  |  | 38.742% | 38.742% | 38.742% | 05/07/2025 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1640.00 |  | 6.740% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $1066248.63 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 133.56 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251105 |  |  |  | Non QM |  |  |  | Yes | No | $1090.00 | $4098.00 |  | 7.900% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $47042.17 | 1 | [Redacted] | $5129.04 | [Redacted] | $427.42 |  |  |  |  |  | 34.330% | 34.330% | 34.330% | 05/21/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 81.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 81.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 81.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 81.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 81.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1090.00 |  | 6.870% | $15000.00 | 2.4 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $386671.20 | 30.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.69 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251061 |  |  |  | Non QM |  |  |  | Yes | No | $1289.00 | $2277.14 |  | 7.748% | [Redacted] | [Redacted] | 7.625% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16906.95 | 1 | [Redacted] | $2166.96 | [Redacted] | $180.58 |  |  |  |  |  | 17.079% | 17.079% | 17.079% | 04/06/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1289.00 |  | 6.800% | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 07/01/2055 | $1219545.93 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 78.88 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251035 |  |  |  | Non QM |  |  |  | Yes | No | $4579.36 | $6934.11 |  | 7.974% | [Redacted] | [Redacted] | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8895.51 | 1 | [Redacted] | $780.96 | [Redacted] | $65.08 |  |  |  |  |  | 25.871% | 25.871% | 25.871% | 04/21/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $4579.36 |  | 6.740% | $1879.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.5 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251002 |  |  |  | Non QM |  |  |  | Yes | No | $9036.32 | $11539.42 |  | 7.281% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5512.60 | 1 | [Redacted] | $1938.00 | [Redacted] | $161.50 |  |  |  |  |  | 49.970% | 49.970% | 49.970% | 06/03/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $9036.32 |  | 6.740% | $0.00 | 2.1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 16.38 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251102 |  |  |  | Non QM |  |  |  | Yes | No | $2490.00 | $2915.69 |  | 6.919% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $42301.64 | 1 | [Redacted] | $4473.96 | [Redacted] | $372.83 |  |  |  |  |  | 13.317% | 13.317% | 13.317% | 05/12/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2490.00 |  | 6.870% | $0.00 | 2.5 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $571277.70 | 45.700% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 73.44 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251214 |  |  |  | Non QM |  |  |  | Yes | No | $10665.00 | $11523.02 |  | 7.755% | [Redacted] | [Redacted] | 7.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5172.99 | 1 | [Redacted] | $1913.04 | [Redacted] | $159.42 |  |  |  |  |  | 48.097% | 48.097% | 48.097% | 05/15/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $10665.00 |  | 6.920% | $100000.00 | 2 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $90615.96 | 14.610% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.18 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251097 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1890.00 | [Redacted] | $157.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/24/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.9 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 30.09 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 20251036 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.000% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $642.00 | [Redacted] | $53.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/07/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.14 |  |  |  |  |  |  |  | 07/01/2055 | $626154.21 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 175.4 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251410 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.625% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 2 | [Redacted] | $2918.04 | [Redacted] | $243.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/26/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 05/01/2055 | $454084.80 | 45.450% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 24.13 | Broker |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251360 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redacted] | $3648.96 | [Redacted] | $304.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/14/2025 | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.8 |  |  |  |  |  |  |  | 06/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 33.97 | Broker |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 20251381 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1947.00 | [Redacted] | $162.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/15/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 4.7 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 28.74 | Broker |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251383 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $972.72 | [Redacted] | $81.06 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/30/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 157.66 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20251394 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.500% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redacted] | $3137.04 | [Redacted] | $261.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/12/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.25 |  |  |  |  |  |  |  | 06/01/2055 | $378336.04 | 51.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 32.39 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251335 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $9143.04 | [Redacted] | $761.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/21/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 3.7 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | 06/01/2055 | $350580.50 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 68.51 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 20251358 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1836.96 | [Redacted] | $153.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/13/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 06/01/2055 | $160852.77 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 73.47 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251348 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.750% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $687.96 | [Redacted] | $57.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/08/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 07/01/2055 | $3208268.96 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 348.4 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251340 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 8.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 4 | [Redacted] | $3738.72 | [Redacted] | $311.56 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/21/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.88 | 0.35 |  |  |  |  |  |  |  | 07/01/2055 | $17251.04 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 72.47 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251416 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redacted] | $1283.04 | [Redacted] | $106.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/01/2025 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.84 |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 107.54 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251352 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.000% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $642.00 | [Redacted] | $53.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/07/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.97 | 1.03 |  |  |  |  |  |  |  | 07/01/2055 | $626154.21 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 183.06 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251341 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.000% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | [Redacted] | $2390.52 | [Redacted] | $199.21 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/24/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | 07/01/2055 | $33673.52 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  | No | 8.08 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 20251362 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.625% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $1944.48 | [Redacted] | $162.04 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/17/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 999 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | 07/01/2055 | $28847.91 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 7.46 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251414 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 8.875% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | [Redacted] | $806.04 | [Redacted] | $67.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/17/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | 07/01/2055 | $64727.12 | 34.060% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 9.72 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251356 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $831.96 | [Redacted] | $69.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/27/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | 07/01/2055 | $132207.62 | 43.770% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 26 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251399 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redacted] | $1334.04 | [Redacted] | $111.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/03/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.74 |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 65.01 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 20251351 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redacted] | $1817.04 | [Redacted] | $151.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/10/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 122.52 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251343 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 6.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redacted] | $2309.04 | [Redacted] | $192.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/26/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1.01 |  |  |  |  |  |  |  | 08/01/2055 | $31228.31 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 9.7 | Broker |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251406 |  |  |  | Non QM |  |  |  | Yes | No | $10145.00 | $16663.00 |  | 7.627% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18883.76 | 1 | [Redacted] | $6932.04 | [Redacted] | $577.67 |  |  |  |  |  | 42.773% | 42.773% | 42.773% | 03/05/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $10145.00 |  | 6.700% | $123750.00 | 4.2 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $208327.88 | 18.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.51 | Broker | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251354 |  |  |  | Non QM |  |  |  | Yes | No | $2329.63 | $4088.66 |  | 7.744% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6502.04 | 1 | [Redacted] | $540.96 | [Redacted] | $45.08 |  |  |  |  |  | 28.711% | 28.711% | 28.711% | 03/21/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2013<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2013<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2013 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2329.63 |  | 6.740% | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $174011.62 | 51.190% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 45.61 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251357 |  |  |  | Non QM |  |  |  | Yes | No | $8737.00 | $11706.79 |  | 6.796% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6900.30 | 1 | [Redacted] | $3096.00 | [Redacted] | $258.00 |  |  |  |  |  | 44.299% | 44.299% | 44.299% | 03/12/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $8737.00 |  | 6.650% | $5000.00 | 1 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $303858.55 | 41.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 27.94 | Broker |  | No |  | $6194.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251368 |  |  |  | Non QM |  |  |  | Yes | No | $0.00 | $1739.63 |  | 7.636% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25956.30 | 1 | [Redacted] | $3078.00 | [Redacted] | $256.50 |  |  |  |  |  | 29.868% | 29.868% | 29.868% | 04/24/2025 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2011<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] |  |  | 6.700% | $0.00 | 1.9 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $56005.91 | 8.480% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.34 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251344 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $5144.22 |  | 7.525% | [Redacted] | [Redacted] | 7.500% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15432.07 | 1 | [Redacted] | $6357.00 | [Redacted] | $529.75 |  |  |  |  |  | 48.428% | 48.428% | 48.428% | 04/23/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 35.000% |  | 100.000% |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1640.00 |  | 6.800% | $0.00 | 3.6 |  |  |  | N/A | No | 7.500% | 2 | 2 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 06/01/2055 | $553580.56 | 28.020% | No | 28 | 29 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 14.04 | Retail | Yes | No |  | $10379.50 | $2791.12 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251342 |  |  |  | Non QM |  |  |  | Yes | No | $2338.33 | $3942.91 |  | 8.063% | [Redacted] | [Redacted] | 8.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12713.48 | 1 | [Redacted] | $1535.76 | [Redacted] | $127.98 |  |  |  |  |  | 49.353% | 49.353% | 49.353% | 04/17/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2338.33 |  | 6.810% | $0.00 | 1 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 06/01/2055 | $174341.05 | 23.910% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.07 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251337 |  |  |  | Non QM |  |  |  | Yes | No | $1775.80 | $7661.33 |  | 7.550% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3675.52 | 1 | [Redacted] | $770.04 | [Redacted] | $64.17 |  |  |  |  |  | 49.677% | 49.677% | 49.677% | 04/14/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2011<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 1995 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1775.80 |  | 6.880% | $0.00 | 1.2 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $215603.62 | 34.770% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.7 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251359 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $4380.67 |  | 7.259% | [Redacted] | [Redacted] | 7.250% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $40535.60 | 1 | [Redacted] | $9561.24 | [Redacted] | $796.77 |  |  |  |  |  | 49.413% | 49.413% | 49.413% | 05/12/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1640.00 |  | 6.800% | $0.00 | 3.7 |  |  |  | N/A | No | 7.250% | 3 | 0 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | 06/01/2055 | $6460458.78 |  | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 260.4 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251405 |  |  |  | Non QM |  |  |  | Yes | No | $3488.01 | $4092.56 |  | 7.967% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $100780.01 | 1 | [Redacted] | $3060.96 | [Redacted] | $255.08 |  |  |  |  |  | 6.216% | 6.216% | 6.216% | 03/17/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $3488.01 |  | 6.740% | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 94.51 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251345 |  |  |  | Non QM |  |  |  | Yes | No | $1695.00 | $6755.40 |  | 7.318% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3445.10 | 1 | [Redacted] | $1407.96 | [Redacted] | $117.33 |  |  |  |  |  | 44.049% | 44.049% | 44.049% | 04/18/2025 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2018<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1695.00 |  | 6.740% | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 3.97 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 6.93 | Retail |  | No |  | $2092.13 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251418 |  |  |  | Non QM |  |  |  | Yes | No | $2025.25 | $6721.52 |  | 7.944% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9528.72 | 1 | [Redacted] | $2640.96 | [Redacted] | $220.08 |  |  |  |  |  | 49.882% | 49.882% | 49.882% |  | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 62.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2025.25 |  | 6.740% | $8900.00 | 1.5 |  |  |  | N/A | No | 7.875% | 0 | 2 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $109542.29 | 8.390% | No |  | 29 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.94 | Retail |  | No |  | $0.00 | $7250.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251379 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $17686.50 |  | 7.143% | [Redacted] | [Redacted] | 7.125% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $33606.29 | 1 | [Redacted] | $17049.00 | [Redacted] | $1420.75 |  |  |  |  |  | 54.676% | 54.676% | 54.676% | 05/16/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1640.00 |  | 6.870% | $0.00 | 3.7 |  |  |  | N/A | No | 7.125% | 3 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $1248240.43 | 37.820% | No | 27 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 23.91 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251371 |  |  |  | Non QM |  |  |  | Yes | No | $1695.00 | $3260.03 |  | 7.482% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $42230.28 | 1 | [Redacted] | $1857.48 | [Redacted] | $154.79 |  |  |  |  |  | 37.361% | 37.361% | 37.361% | 04/23/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1695.00 |  | 6.800% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $35521.45 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 144.9 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251339 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $8177.04 |  | 7.092% | [Redacted] | [Redacted] | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7660.02 | 2 | [Redacted] | $4805.04 | [Redacted] | $400.42 |  |  |  |  |  | 54.580% | 54.580% | 54.580% | 04/18/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Borrower - \| Non-Primary Income - Royalty]; Other - 2025<br> [Borrower - \| Non-Primary Income - Royalty]; Other - 2025<br> [Borrower - \| Non-Primary Income - Royalty]; Other - 2023<br> [Borrower - \| Non-Primary Income - Royalty]; Other - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1640.00 |  | 6.810% | $10000.00 |  |  |  |  | N/A | No | 7.000% | 0 |  | 2 | 0 | 3 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $215308.67 | 19.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 95.9 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251401 |  |  |  | Non QM |  |  |  | Yes | No | $11943.48 | $13737.36 |  | 7.861% | [Redacted] | [Redacted] | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5558.25 | 1 | [Redacted] | $2157.00 | [Redacted] | $179.75 |  |  |  |  |  | 48.091% | 48.091% | 48.091% | 05/05/2025 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2018<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2018 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $11943.48 |  | 6.870% | $0.00 | 3.5 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $238230.78 | 48.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 38.23 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251334 |  |  |  | Non QM |  |  |  | Yes | No | $6441.60 | $10971.01 |  | 9.634% | [Redacted] | [Redacted] | 9.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21463.69 | 1 | [Redacted] | $2889.00 | [Redacted] | $240.75 |  |  |  |  |  | 27.108% | 27.108% | 27.108% | 05/22/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $6441.60 |  | 6.930% | $0.00 | 3.6 |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 5 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 07/01/2055 | $13200.00 | 3.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.9 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251355 |  |  |  | Non QM |  |  |  | Yes | No | $8562.75 | $12232.07 |  | 9.586% | [Redacted] | [Redacted] | 9.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15369.72 | 1 | [Redacted] | $5205.00 | [Redacted] | $433.75 |  |  |  |  |  | 30.811% | 30.811% | 30.811% | 05/19/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $8562.75 |  | 6.880% | $8000.00 | 1.3 |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 5 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $135042.46 | 23.480% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.29 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251420 |  |  |  | Non QM |  |  |  | Yes | No | $4973.00 | $7260.61 |  | 7.807% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $36030.79 | 1 | [Redacted] | $1321.20 | [Redacted] | $110.10 |  |  |  |  |  | 10.594% | 10.594% | 10.594% | 04/21/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $4973.00 |  | 6.930% | $0.00 | 2.6 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $62850.00 | 14.690% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.12 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251413 |  |  |  | Non QM |  |  |  | Yes | No | $10250.00 | $14238.00 |  | 7.506% | [Redacted] | [Redacted] | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4909.65 | 1 | [Redacted] | $1948.56 | [Redacted] | $162.38 |  |  |  |  |  | 38.870% | 38.870% | 38.870% | 03/28/2025 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $10250.00 |  | 6.810% | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $24600.35 | 7.560% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.18 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251393 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $8118.86 |  | 7.688% | [Redacted] | [Redacted] | 8.056% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $60608.36 | 1 | [Redacted] | $7698.48 | [Redacted] | $641.54 |  |  |  |  |  | 20.420% | 19.715% | 20.420% | 04/11/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1640.00 |  | 6.610% | $0.00 | 4 |  |  |  | N/A | No | 8.056% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $115289.16 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.18 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251417 |  |  |  | Non QM |  |  |  | Yes | No | $8334.50 | $15877.17 |  | 8.005% | [Redacted] | [Redacted] | 8.054% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24590.64 | 1 | [Redacted] | $8790.96 | [Redacted] | $732.58 |  |  |  |  |  | 43.329% | 42.944% | 43.329% | 05/12/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $8334.50 |  | 6.710% | $27000.00 | 1.4 |  |  |  | N/A | No | 8.054% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $370355.33 | 22.040% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.87 | Retail |  | No |  | $21695.92 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251369 |  |  |  | Non QM |  |  |  | Yes | No | $2103.28 | $4843.61 |  | 8.005% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3351.37 | 1 | [Redacted] | $2796.96 | [Redacted] | $233.08 |  |  |  |  |  | 45.016% | 45.016% | 45.016% | 03/06/2025 | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 12.740% | 87.260% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 12.74% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 12.74% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 12.74% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 12.74% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 12.74% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 12.74% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2013<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 12.74% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2003<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2013 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2103.28 |  | 6.740% | $0.00 | 999 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $96201.01 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 109.95 | Retail |  | No |  | $5318.60 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251346 |  |  |  | Non QM |  |  |  | Yes | No | $1695.00 | $12706.32 |  | 7.759% | [Redacted] | [Redacted] | 7.625% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | $19784.42 | 1 | [Redacted] | $4400.04 | [Redacted] | $366.67 |  |  |  |  |  | 36.790% | 36.790% | 36.790% | 05/01/2025 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 33.330% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1695.00 |  | 6.870% | $2115.00 | 1 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $285519.02 | 22.840% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 27.47 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251367 |  |  |  | Non QM |  |  |  | Yes | No | $28933.60 | $33238.43 |  | 8.212% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14544.23 | 1 | [Redacted] | $1562.04 | [Redacted] | $130.17 |  |  |  |  |  | 39.470% | 39.470% | 39.470% | 04/07/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $28933.60 |  | 6.740% | $0.00 | 1.7 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.24 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251375 |  |  |  | Non QM |  |  |  | Yes | No | $14336.20 | $16014.14 |  | 8.546% | [Redacted] | [Redacted] | 8.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8888.14 | 1 | [Redacted] | $1584.96 | [Redacted] | $132.08 |  |  |  |  |  | 37.113% | 37.113% | 37.113% | 03/06/2025 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $14336.20 |  | 6.700% | $0.00 | 1 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.31 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251385 |  |  |  | Non QM |  |  |  | Yes | No | $1695.00 | $13356.47 |  | 8.030% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7230.54 | 1 | [Redacted] | $1245.96 | [Redacted] | $103.83 |  |  |  |  |  | 49.929% | 49.929% | 49.929% | 05/09/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1695.00 |  | 6.930% | $7500.00 | 3.4 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $189436.59 | 22.820% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251404 |  |  |  | Non QM |  |  |  | Yes | No | $2041.00 | $4432.64 |  | 7.150% | [Redacted] | [Redacted] | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $102762.16 | 1 | [Redacted] | $3920.52 | [Redacted] | $326.71 |  |  |  |  |  | 11.397% | 11.397% | 11.397% | 05/06/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2018<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2015 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2041.00 |  | 6.800% | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $55000.00 | 5.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.58 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251353 |  |  |  | Non QM |  |  |  | Yes | No | $9186.00 | $12419.30 |  | 8.716% | [Redacted] | [Redacted] | 8.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19423.08 | 1 | [Redacted] | $1470.96 | [Redacted] | $122.58 |  |  |  |  |  | 43.437% | 43.437% | 43.437% | 04/17/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2006<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2006 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $9186.00 |  | 6.880% | $3500.00 | 1 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $37907.57 | 9.420% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.06 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251365 |  |  |  | Non QM |  |  |  | Yes | No | $1495.00 | $12868.05 |  | 8.132% | [Redacted] | [Redacted] | 8.000% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $15777.71 | 1 | [Redacted] | $2553.96 | [Redacted] | $212.83 |  |  |  |  |  | 35.409% | 35.409% | 35.409% | 04/28/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1495.00 |  | 6.880% | $600.00 | 5 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $402438.38 | 34.990% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 8.67 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251409 |  |  |  | Non QM |  |  |  | Yes | No | $1990.00 | $4306.95 |  | 7.081% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7164.15 | 1 | [Redacted] | $1290.00 | [Redacted] | $107.50 |  |  |  |  |  | 41.241% | 41.241% | 41.241% |  | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1990.00 |  | 6.930% | $0.00 | 1.2 |  |  |  | N/A | No | 6.875% | 2 | 0 | 2 | 0 | 2 | 2 |  |  | 4.47 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $122261.87 | 23.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 3.05 | Retail | No | No |  | $4354.92 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251395 |  |  |  | Non QM |  |  |  | Yes | No | $2497.85 | $4292.35 |  | 7.972% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3358.66 | 1 | [Redacted] | $1101.00 | [Redacted] | $91.75 |  |  |  |  |  | 47.367% | 47.367% | 47.367% | 06/10/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2497.85 |  | 6.880% | $0.00 | 1.3 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $124987.29 | 30.700% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.25 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251415 |  |  |  | Non QM |  |  |  | Yes | No | $14318.75 | $17519.40 |  | 7.647% | [Redacted] | [Redacted] | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18667.98 | 1 | [Redacted] | $5832.00 | [Redacted] | $486.00 |  |  |  |  |  | 30.710% | 30.710% | 30.710% | 04/25/2025 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 75.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $14318.75 |  | 6.880% | $0.00 | 5 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 84.15 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251403 |  |  |  | Non QM |  |  |  | Yes | No | $1419.00 | $12963.19 |  | 7.383% | [Redacted] | [Redacted] | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $62738.26 | 1 | [Redacted] | $30147.60 | [Redacted] | $2512.30 |  |  |  |  |  | 33.349% | 31.328% | 33.349% | 03/24/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1419.00 |  | 6.930% | $0.00 | 3.2 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 360 | 07/01/2065 | $1581961.51 | 43.640% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.66 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251377 |  |  |  | Non QM |  |  |  | Yes | No | $1695.00 | $2952.60 |  | 8.154% | [Redacted] | [Redacted] | 8.125% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4946.67 | 1 | [Redacted] | $4089.00 | [Redacted] | $340.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/19/2025 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Other Documentation (O) | Asset Depletion (Residual Income) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1695.00 |  | 6.930% | $0.00 | 4.4 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 07/01/2055 | $2478017.80 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 231.03 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251366 |  |  |  | Non QM |  |  |  | Yes | No | $2810.03 | $4481.90 |  | 8.234% | [Redacted] | [Redacted] | 8.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11716.52 | 1 | [Redacted] | $1202.04 | [Redacted] | $100.17 |  |  |  |  |  | 32.352% | 32.352% | 32.352% | 03/26/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2810.03 |  | 6.830% | $0.00 | 1 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $112803.89 | 24.250% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.08 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251412 |  |  |  | Non QM |  |  |  | Yes | No | $11420.63 | $12808.51 |  | 9.178% | [Redacted] | [Redacted] | 8.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10073.45 | 1 | [Redacted] | $1956.36 | [Redacted] | $163.03 |  |  |  |  |  | 23.230% | 23.230% | 23.230% | 05/31/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $11420.63 |  | 6.920% | $12000.00 | 1 |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 07/01/2055 | $265001.95 | 67.940% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 67.15 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251338 |  |  |  | Non QM |  |  |  | Yes | No | $8881.96 | $5352.88 |  | 7.912% | [Redacted] | [Redacted] | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $31794.73 | 1 | [Redacted] | $1163.04 | [Redacted] | $96.92 |  |  |  |  |  | 38.718% | 38.718% | 38.718% | 04/09/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2015<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2015 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $8881.96 |  | 6.920% | $15000.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $18827.31 | 3.840% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.02 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251370 |  |  |  | N/A |  |  |  | No | No | $0.00 | $0.00 |  | 7.470% | [Redacted] | [Redacted] | 7.500% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2433.04 | 1 | [Redacted] | $912.00 | [Redacted] | $76.00 |  |  |  |  |  | 20.591% | 20.591% | 20.591% | 03/03/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] |  |  | 6.620% | $2500.00 | 999 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $903708.39 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 142.01 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251376 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | [Redacted] | [Redacted] | 7.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redacted] | $2391.96 | [Redacted] | $199.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/05/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  | 240 | 08/01/2055 | $145454.90 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 51.86 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251387 |  |  |  | Non QM |  |  |  | Yes | No | $42420.50 | $47796.75 |  | 7.163% | [Redacted] | [Redacted] | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $62969.05 | 1 | [Redacted] | $7092.96 | [Redacted] | $591.08 |  |  |  |  |  | 21.831% | 21.831% | 21.831% | 06/03/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $42420.50 |  | 6.920% | $0.00 | 2.6 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 21.08 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250898 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $25373.95 | $5385.18 |  | 7.917% | [Redacted] | [Redacted] | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24912.55 | 2 | [Redacted] | $4985.16 | [Redacted] | $415.43 |  |  |  |  |  | 29.236% | 29.236% | 29.236% | 01/17/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $25373.95 |  | 6.650% | $0.00 |  | DU |  | ApproveEligible | N/A | No | 7.875% | 2 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 04/01/2055 | $136236.01 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.04 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250832 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8668.91 | $9587.48 |  | 7.042% | [Redacted] | [Redacted] | 6.875% | No | Yes | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7393.12 | 1 | [Redacted] | $2364.00 | [Redacted] | $197.00 |  |  |  |  |  | 43.219% | 43.219% | 43.219% | 03/13/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $8668.91 |  | 6.620% | $0.00 | 1.4 | DU |  | ApproveEligible | N/A | No | 6.875% | 0 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $3847.12 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |

---

## Exhibit 99.6

[GCAT Depositor vi llcabs-15g](gcat2025-abs15g.htm)

**Exhibit 99.6**

**Data Compare (Non-Ignored)**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
|  | 20250919 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250919 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250919 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250919 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20250919 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250919 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20250920 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250920 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250920 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250920 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20250920 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250920 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20250920 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.21 | 1.22 | Verified | Field value reflects source document |
|  | 20250921 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250921 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250921 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250921 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20250921 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250921 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20250918 |  |  |  |  | Original Loan Amount | XXX | XXX | Verified | Field Value reflects the Note value |
|  | 20250918 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250918 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250918 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250918 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20250918 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250918 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20250922 |  |  |  |  | Original Loan Amount | XXX | XXX | Verified | Field Value reflects the Note value |
|  | 20250904 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250904 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250904 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250904 |  |  |  |  | Amortization Term |  | 480 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250904 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250904 |  |  |  |  | Original P&I |  | [Redacted] | Verified | Field Value reflects Note value |
|  | 20250904 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250904 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250904 |  |  |  |  | Doc Type | Full | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
|  | 20250904 |  |  |  |  | Appraisal Effective Date | XXX | XXX | Verified | Tape Value reflects Appraisal Date |
|  | 20250904 |  |  |  |  | Product Description | Plus Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250904 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250904 |  |  |  |  | Cash From Borrower |  | 317407.00 | Verified | Field value reflects source document |
|  | 20250904 |  |  |  |  | Total Income |  | XXX | Verified | Field value reflects source document |
|  | 20250904 |  |  |  |  | Original HLTV |  | 79.99997 | Verified | Field value reflects source document |
|  | 20250904 |  |  |  |  | PITIA Reserves Months | 6.00 | 34.02 | Verified | Field value reflects source document |
|  | 20250904 |  |  |  |  | Universal Loan Identifier (ULI) |  | XXX | Verified | Field value reflects source document |
|  | 20250904 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20250909 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250909 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250909 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note rider or addendum |
|  | 20250909 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250909 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250909 |  |  |  |  | Original P&I | [Redacted] | [Redacted] | Verified | Field Value reflects Note value |
|  | 20250909 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250909 |  |  |  |  | Cash To Borrower | XXX | XXX | Verified | Field value reflects source document |
|  | 20250909 |  |  |  |  | Appraisal Effective Date | XXX | XXX | Verified | Tape Value reflects Appraisal Date |
|  | 20250909 |  |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250909 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250909 |  |  |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 20250909 |  |  |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
|  | 20250909 |  |  |  |  | PITIA Reserves Months | 6.00 | 100.04 | Verified | Field value reflects source document |
|  | 20250909 |  |  |  |  | Last Property Transfer Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250909 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250909 |  |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 20250924 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250978 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.06 | 1.07 | Verified | Field value reflects source document |
|  | 20251240 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251240 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251240 |  |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20251240 |  |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20251240 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20251240 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20251240 |  |  |  |  | Maturity Date | XXX | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 20251240 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.05 | 1.06 | Verified | Field value reflects source document |
|  | 20251241 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251241 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251241 |  |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20251241 |  |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20251241 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.02 | 1.03 | Verified | Field value reflects source document |
|  | 20251014 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251014 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251014 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251014 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.50 | 1.51 | Verified | Field value reflects source document |
|  | 20250967 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250967 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250967 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250967 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.22 | 1.23 | Verified | Field value reflects source document |
|  | 20250953 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.12 | 1.13 | Verified | Field value reflects source document |
|  | 20251024 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251024 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251024 |  |  |  |  | Property Type | Single Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250954 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the Approval/AUS |
|  | 20250974 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250974 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20250974 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.04 | 1.05 | Verified | Field value reflects source document |
|  | 20251025 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251025 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251025 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251025 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.98 | 0.99 | Verified | Field value reflects source document |
|  | 20250934 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20251003 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20251044 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20250969 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250969 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250969 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250969 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.05 | 1.06 | Verified | Field value reflects source document |
|  | 20251018 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 21.056 | 16.5667 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20250992 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250987 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251048 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.37 | 1.38 | Verified | Field value reflects source document |
|  | 20250941 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250941 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250941 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250941 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.09 | 1.10 | Verified | Field value reflects source document |
|  | 20250944 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Retail (Lender Originated) |
|  | 20250991 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250991 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250972 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250972 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.05 | 1.06 | Verified | Field value reflects source document |
|  | 20250911 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250911 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250911 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250911 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250911 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 8.278 | 22.5748 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20250911 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20250916 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250916 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250916 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250916 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250916 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250916 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20250957 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250957 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250957 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250957 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250957 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250957 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20250945 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250945 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250945 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250945 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250945 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250945 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20250945 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.05 | 1.06 | Verified | Field value reflects source document |
|  | 20250926 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250926 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250926 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250926 |  |  |  |  | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250926 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250926 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250926 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 112.777 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20250926 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20250933 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250933 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250933 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250933 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20250933 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250933 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250933 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251062 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251062 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 36.885 | 31.73705 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20250993 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250993 |  |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20251032 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251032 |  |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20251032 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 34.155 | 44.38655 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20250930 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250930 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250930 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250930 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250990 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250990 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250990 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.84 | 0.85 | Verified | Field value reflects source document |
|  | 20251084 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251084 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251084 |  |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20251084 |  |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20251084 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251084 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.48 | 1.49 | Verified | Field value reflects source document |
|  | 20250988 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250988 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250988 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.21 | 1.22 | Verified | Field value reflects source document |
|  | 20250963 |  |  |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
|  | 20251089 |  |  |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
|  | 20251089 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251089 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250982 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250995 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250995 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.11 | 1.12 | Verified | Field value reflects source document |
|  | 20251068 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.17 | 1.18 | Verified | Field value reflects source document |
|  | 20250997 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250997 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251064 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.95 | 0.96 | Verified | Field value reflects source document |
|  | 20250947 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250947 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250998 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Retail (Lender Originated) |
|  | 20251111 |  |  |  |  | Property Type | Condo | Site Condo | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251111 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251111 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Retail (Lender Originated) |
|  | 20250996 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250996 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250996 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Retail (Lender Originated) |
|  | 20251057 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250999 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250999 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250999 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251051 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251051 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251051 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251012 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 17.343 | 19.67782 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251249 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251249 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251249 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251249 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251249 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251249 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251254 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251254 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251254 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251254 |  |  |  |  | Representative FICO | 702 | 773 |  |  |
|  | 20251254 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251254 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251254 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251247 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251247 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251247 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251247 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251247 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251247 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251259 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251259 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251259 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251259 |  |  |  |  | Representative FICO | 763 | 769 |  |  |
|  | 20251259 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251259 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 20251259 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251259 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251280 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251280 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251280 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251280 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251280 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 20251280 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251280 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 34.506 | 36.81671 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251280 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251275 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251275 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251275 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251275 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251275 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251275 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251312 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251312 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251312 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251312 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251312 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251312 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 53.275 | 46.223 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251312 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251283 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251283 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251283 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251283 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251283 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251283 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251257 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251257 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251257 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251257 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251257 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251257 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251257 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251242 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251242 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251242 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251242 |  |  |  |  | Representative FICO | 673 | 683 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 20251242 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251242 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251260 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251260 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251260 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251260 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251260 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251260 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251287 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251287 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251287 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251287 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251287 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251287 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251321 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251321 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251321 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251321 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251321 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251321 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251321 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251272 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251272 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251272 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251272 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251272 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251272 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251244 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251244 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251244 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251244 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251244 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251303 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251303 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251303 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251303 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251303 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251303 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251304 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251304 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251304 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251304 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251304 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251304 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251304 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251261 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251261 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251261 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251261 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251261 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251261 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 19.139 | 23.94319 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251261 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251251 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251251 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251251 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251251 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251251 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251251 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251251 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251266 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251266 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251266 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251266 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251266 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251266 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251266 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251250 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251250 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251250 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251250 |  |  |  |  | Representative FICO | 683 | 700 |  |  |
|  | 20251250 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251250 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251250 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251243 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251243 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251243 |  |  |  |  | Amortization Type |  | Fixed | Verified | Unable to verify due to missing information |
|  | 20251243 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251243 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251317 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251317 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251317 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251317 |  |  |  |  | Representative FICO | 734 | 739 |  |  |
|  | 20251317 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251317 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251314 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251326 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251326 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251326 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251326 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251326 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251326 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251327 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251327 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251327 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251327 |  |  |  |  | Representative FICO | 669 | 769 |  |  |
|  | 20251327 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251327 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251327 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251274 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251274 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251274 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251274 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251274 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20250927 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 28.461 | 31.62315 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251253 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251253 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251253 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251253 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251253 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 20251253 |  |  |  |  | Original CLTV | 44.138 | 45.5516 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
|  | 20251253 |  |  |  |  | Original LTV | 44.138 | 45.5516 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
|  | 20251253 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251295 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251295 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251295 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251295 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251295 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 39.689 | 41.81427 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251295 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251267 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251267 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251267 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251267 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251267 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251267 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251267 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251322 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251322 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251322 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251322 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20251322 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251322 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20251322 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 41 | 29.1391 | Verified | Unable to verify due to missing information |
|  | 20251322 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251296 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251296 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251296 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251296 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251296 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251245 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251245 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251245 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251245 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251245 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251285 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251285 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251285 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251285 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251285 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251285 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251291 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251291 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251291 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251291 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251291 |  |  |  |  | Originator Loan Designation | N/A | Non QM | Verified | Field value reflects source document |
|  | 20251291 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 45.776 | 24.50768 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251291 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251302 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251302 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251302 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251302 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251302 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251281 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251281 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251281 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251281 |  |  |  |  | Representative FICO | 701 | 709 |  |  |
|  | 20251281 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251281 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251289 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251289 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251289 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251289 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251289 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251289 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251289 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 38.627 | 40.95255 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251289 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251308 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251308 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251308 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251308 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251308 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251319 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251319 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251319 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251319 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251319 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251319 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251306 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251306 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251306 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251306 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251306 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251306 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251252 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251252 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251252 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251252 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251252 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251252 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251299 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251299 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251299 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251299 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251299 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251299 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251330 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251330 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251330 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251330 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251330 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251300 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251300 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251300 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251300 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251300 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251294 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251294 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251294 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251294 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251294 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251294 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251273 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251273 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251273 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251273 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251273 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251286 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251286 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251286 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251286 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251286 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251286 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251332 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251332 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251332 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251332 |  |  |  |  | Representative FICO | 710 | 745 |  |  |
|  | 20251332 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251332 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251332 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251320 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251320 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251320 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251320 |  |  |  |  | Representative FICO | 683 | 781 |  |  |
|  | 20251320 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251320 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251320 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251270 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251270 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251270 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251270 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251270 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251270 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251279 |  |  |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
|  | 20251279 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251279 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251279 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251279 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251279 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251311 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251311 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251311 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251311 |  |  |  |  | Representative FICO | 708 | 788 |  |  |
|  | 20251311 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251311 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251311 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251329 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251329 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251329 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251329 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251329 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20251329 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 21.103 | 23.79523 | Verified | Unable to verify due to missing information |
|  | 20251329 |  |  |  |  | Guideline Name |  | XXX | Verified | Unable to verify due to missing information |
|  | 20251309 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251309 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251309 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251309 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251309 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251309 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251293 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251293 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251293 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251293 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251293 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251293 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251265 |  |  |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
|  | 20251265 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251265 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251265 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251265 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251265 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251265 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251265 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251262 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251262 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251262 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251262 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251262 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 45.175 | 37.87635 | Verified | Evidence the borrower was not obiligated on the primary housing was provided. |
|  | 20251277 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251277 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251277 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251277 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251307 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251307 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251307 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251307 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250914 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250914 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250914 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250914 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250914 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251256 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251256 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251256 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251256 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251256 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251256 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251256 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.02 | Verified | Field value reflects source document |
|  | 20251246 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251246 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251246 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251246 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251246 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251246 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251246 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.54 | 1.40 | Verified | Field value reflects source document |
|  | 20251315 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251315 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251315 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251315 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251315 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251315 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251315 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.41 | Verified | Field value reflects source document |
|  | 20251255 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251255 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251255 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251255 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251255 |  |  |  |  | Occupancy | Primary | Investment | Verified | Unable to verify due to missing information |
|  | 20251255 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20251255 |  |  |  |  | Guideline Name |  | XXX | Verified | Unable to verify due to missing information |
|  | 20251255 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.04 | Verified | Unable to verify due to missing information |
|  | 20251248 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251248 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251248 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251248 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251248 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251248 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 20251248 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251248 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251271 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251271 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251271 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251271 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251271 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251271 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251271 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.80 | 0.89 | Verified | Field value reflects source document |
|  | 20251290 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251290 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251290 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251290 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251290 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251290 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251290 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251290 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251290 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.02 | Verified | Field value reflects source document |
|  | 20251301 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251301 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251301 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251301 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251301 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251301 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251313 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251313 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251313 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251313 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251313 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251313 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251313 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.14 | Verified | Field value reflects source document |
|  | 20251316 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251316 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251316 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251316 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251316 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251268 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251268 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251268 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251268 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251268 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20251268 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251268 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251268 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251292 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251292 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251292 |  |  |  |  | Amortization Type |  | ARM | Verified | Unable to verify due to missing information |
|  | 20251292 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Unable to verify due to missing information |
|  | 20251292 |  |  |  |  | Lien Position |  | 1 | Verified | Unable to verify due to missing information |
|  | 20251292 |  |  |  |  | First Interest Rate Change Date |  | 2030-05-01 | Verified | Unable to verify due to missing information |
|  | 20251292 |  |  |  |  | Interest Rate Periodic Cap | 2 | 1 | Verified | Unable to verify due to missing information |
|  | 20251292 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20251292 |  |  |  |  | Interest Rate Life Floor | 2 | 4.125 | Verified | Unable to verify due to missing information |
|  | 20251292 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 859.916 |  | Verified | Unable to verify due to missing information |
|  | 20251292 |  |  |  |  | Guideline Name |  | XXX | Verified | Unable to verify due to missing information |
|  | 20251292 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.19 | 1.21 | Verified | Unable to verify due to missing information |
|  | 20251258 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251258 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251258 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251258 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251258 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251258 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20251258 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20251258 |  |  |  |  | Original CLTV | 71.875 | 75 | Verified | Unable to verify due to missing information |
|  | 20251258 |  |  |  |  | Original LTV | 71.875 | 75 | Verified | Unable to verify due to missing information |
|  | 20251258 |  |  |  |  | Guideline Name |  | XXX | Verified | Unable to verify due to missing information |
|  | 20251258 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Field value reflects source document |
|  | 20251288 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251269 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251269 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251269 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251269 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251269 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251269 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251269 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.21 | 1.17 | Verified | Field value reflects source document |
|  | 20251297 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251297 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251297 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251297 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251297 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251297 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251297 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251297 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.08 | 1.06 | Verified | Field value reflects source document |
|  | 20251324 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251324 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251324 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251324 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251324 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251324 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251324 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251282 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251282 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251282 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251282 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251282 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251282 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251325 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251325 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251325 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251325 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20251325 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251325 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251325 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 8094.099 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251325 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251325 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.04 | Verified | Field value reflects source document |
|  | 20251284 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251284 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251284 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251284 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251284 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251284 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251263 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251263 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251263 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251263 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251263 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251263 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.05 | Verified | Field value reflects source document |
|  | 20251323 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251323 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251323 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251323 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251323 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251323 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251278 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251278 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251278 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251278 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251278 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251278 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251278 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251276 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251276 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251276 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251276 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251276 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 9154.271 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251276 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251276 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.12 | 1.13 | Verified | Field value reflects source document |
|  | 20251298 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251298 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251298 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251298 |  |  |  |  | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251298 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251298 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20251298 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251310 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251310 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251310 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251310 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251310 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251310 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251310 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.87 | 0.86 | Verified | Field value reflects source document |
|  | 20251331 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251331 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251331 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251331 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251331 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251331 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251305 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251305 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251305 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251305 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251305 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251305 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251305 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.11 | Verified | Field value reflects source document |
|  | 20251328 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251328 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251328 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251328 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251328 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251328 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251328 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.78 | 0.86 | Verified | Field value reflects source document |
|  | 20251045 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251045 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251045 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251110 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251110 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251110 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251090 |  |  |  |  | LTV Valuation Value | XXX | XXX | Verified | Field value reflects source document |
|  | 20250971 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250971 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250971 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251211 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251211 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251211 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.93 | 0.94 | Verified | Field value reflects source document |
|  | 20251204 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251204 |  |  |  |  | Property Type | Single Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251204 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.54 | 1.55 | Verified | Field value reflects source document |
|  | 20251196 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251199 |  |  |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
|  | 20251083 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251083 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251083 |  |  |  |  | Property Type | Single Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251109 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 37.208 | 41.23001 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251042 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251042 |  |  |  |  | Property Type | Single Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251042 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251042 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.68 | 1.69 | Verified | Field value reflects source document |
|  | 20251206 |  |  |  |  | Original P&I | [Redacted] | [Redacted] | Verified | Field Value reflects Note value |
|  | 20251076 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251076 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251076 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251201 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251106 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251202 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251202 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251202 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251194 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.12 | 1.13 | Verified | Field value reflects source document |
|  | 20250964 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250964 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.00 | Verified | Field value reflects source document |
|  | 20251210 |  |  |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251207 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.02 | Verified | Field value reflects source document |
|  | 20251209 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251209 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251209 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.16 | 1.17 | Verified | Field value reflects source document |
|  | 20251421 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251088 |  |  |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
|  | 20250913 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250913 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250913 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250913 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250913 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250913 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 43.661 | 27.74766 | Verified | Lender used a lower income total. |
|  | 20250913 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20250925 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250925 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250925 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250925 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250925 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250925 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20250940 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250940 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250940 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250940 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250940 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250940 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251001 |  |  |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
|  | 20251001 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251001 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251001 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251001 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251001 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251001 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20250966 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250966 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250966 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250966 |  |  |  |  | Representative FICO | 732 | 737 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
|  | 20250966 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250966 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250966 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20250961 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250961 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250961 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250961 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250961 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250961 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251026 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251026 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251026 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251026 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251026 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251026 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20250984 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20250984 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250984 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250984 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250984 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250984 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250984 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251006 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251006 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251006 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251006 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251006 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251006 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 25.455 | 23.149 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251006 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20250976 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250976 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250976 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250976 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250976 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250976 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251054 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251054 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251054 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251054 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251054 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251054 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20250938 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20250938 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250938 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250938 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250938 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250938 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250938 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251009 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251009 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251009 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251009 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251009 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251009 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20250928 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250928 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250928 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250928 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250928 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250928 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251007 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251077 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 43.629 | 41.51848 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
|  | 20251022 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251022 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251022 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251022 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251022 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251022 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251058 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251058 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251058 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251058 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251058 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251058 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251092 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251092 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251092 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251092 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251092 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251092 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251115 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251115 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251115 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251115 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251115 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251115 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251104 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251104 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251104 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251104 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251104 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251028 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251028 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251028 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251028 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251028 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 12.653 | 7.74176 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251028 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251203 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251203 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251203 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251203 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251203 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 20251203 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251203 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251029 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251029 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251029 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251029 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251029 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 57.688 | 48.75943 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251029 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251402 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251402 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251402 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251402 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251402 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251402 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251402 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251055 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251055 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251055 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251055 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251055 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251055 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251055 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251047 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251047 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251047 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251047 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251047 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251047 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20250958 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250958 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250958 |  |  |  |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
|  | 20250958 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250958 |  |  |  |  | First Interest Rate Change Date |  | 2032-05-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
|  | 20250958 |  |  |  |  | Interest Rate Periodic Cap | 2 | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
|  | 20250958 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250958 |  |  |  |  | Interest Rate Initial Cap | 2 | 5 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
|  | 20250958 |  |  |  |  | Interest Rate Life Floor | 2 | 3.75 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
|  | 20250958 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20250958 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.32 | 1.24 | Verified | Field value reflects source document |
|  | 20250923 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250923 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250923 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250923 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250923 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20250923 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.05 | 1.01 | Verified | Field value reflects source document |
|  | 20250970 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250970 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250970 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250970 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250970 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250970 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251040 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251040 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251040 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251040 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251040 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251040 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251040 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251040 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.63 | 1.64 | Verified | Field value reflects source document |
|  | 20250980 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20250980 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250980 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250980 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250980 |  |  |  |  | Interest Only Period |  | 120 | Verified | Unable to verify due to missing information |
|  | 20250980 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250980 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250980 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20250965 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250965 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250965 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250965 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250965 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250965 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20250965 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.12 | 1.13 | Verified | Field value reflects source document |
|  | 20250981 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20250981 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250981 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250981 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250981 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250981 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250981 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20250981 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.05 | 1.06 | Verified | Field value reflects source document |
|  | 20251010 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251010 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251010 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251010 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251010 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 20251010 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251010 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251069 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251069 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251069 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251069 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251069 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251069 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251069 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.06 | 1.07 | Verified | Field value reflects source document |
|  | 20250977 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.04 | Verified | Field value reflects source document |
|  | 20251034 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251034 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251034 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251034 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251034 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251034 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251008 |  |  |  |  | Original Term |  | 180 | Verified | Field Value reflects the Note value |
|  | 20251008 |  |  |  |  | Amortization Term |  | 180 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251008 |  |  |  |  | Amortization Type |  | Fixed | Verified | Tape Value reflects Amortization Type per Modification |
|  | 20251008 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251008 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251008 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251008 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.06 | Verified | Field value reflects source document |
|  | 20251053 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251053 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251053 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251053 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251053 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251053 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251053 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251053 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Field value reflects source document |
|  | 20251015 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20251015 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251015 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251015 |  |  |  |  | Maturity Date | XXX | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 20251015 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251015 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251015 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251015 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.27 | 1.03 | Verified | Field value reflects source document |
|  | 20251085 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251085 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251085 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251085 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251085 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20251085 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251392 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251392 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251392 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251392 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251392 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20251392 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251392 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251392 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251392 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.04 | Verified | Field value reflects source document |
|  | 20251361 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251361 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251361 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251361 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251361 |  |  |  |  | Lien Position |  | 1 | Verified | Unable to verify due to missing information |
|  | 20251361 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20251361 |  |  |  |  | Guideline Name |  | XXX | Verified | Unable to verify due to missing information |
|  | 20251350 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251350 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251350 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251350 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251350 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251350 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251350 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251350 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.02 | Verified | Field value reflects source document |
|  | 20251019 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251019 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251019 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251019 |  |  |  |  | Representative FICO | 746 | 780 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
|  | 20251019 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251019 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251052 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251052 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251052 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251052 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251052 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251052 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251052 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251074 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 43.064 | 40.54292 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251208 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.25 | 1.26 | Verified | Field value reflects source document |
|  | 20250952 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.04 | 1.05 | Verified | Field value reflects source document |
|  | 20251114 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251114 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251114 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251114 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.13 | 1.14 | Verified | Field value reflects source document |
|  | 20251373 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.30 | 1.31 | Verified | Field value reflects source document |
|  | 20251218 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251218 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251198 |  |  |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
|  | 20251349 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251349 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251349 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251349 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251378 |  |  |  |  | Originator Loan Designation | Safe Harbor QM | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 20251389 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251389 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251389 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251389 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.23 | 1.24 | Verified | Field value reflects source document |
|  | 20251220 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251017 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251017 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251017 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251017 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251017 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251017 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251037 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251037 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251037 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251037 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251037 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251037 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251027 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251027 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251027 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251027 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251027 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251027 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251212 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251212 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251212 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251212 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251212 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251212 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251030 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251030 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251030 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251030 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251030 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251030 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251021 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251021 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251021 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251021 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251021 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251021 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251067 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251067 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251067 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251067 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251067 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251067 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251107 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251107 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251107 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251107 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251107 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251094 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251094 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251094 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251094 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251094 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20251094 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251094 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251094 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251023 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251023 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251023 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251023 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251023 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251023 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20250915 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20250915 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250915 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250915 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250915 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250915 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250915 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251011 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251011 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251011 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251011 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251011 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251065 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251065 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251065 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251065 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251065 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20250935 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20250935 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250935 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250935 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250935 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250935 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250935 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250935 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251043 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251043 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251043 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251043 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20251043 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251043 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251043 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251038 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251038 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251038 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251038 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251038 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251038 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251113 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251113 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251113 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251113 |  |  |  |  | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251113 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251113 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251113 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251113 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.27 | 1.28 | Verified | Field value reflects source document |
|  | 20251408 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251408 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251408 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Field value reflects source document |
|  | 20251372 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.86 | 0.87 | Verified | Field value reflects source document |
|  | 20251333 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 30.267 | 33.68337 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251056 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251056 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251056 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251056 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251056 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251056 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20250936 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250936 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250936 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250936 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250936 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 7.791 | 3.89537 | Verified | Field Value DTI is higher than Tape value but within 3% and < 45% DTI |
|  | 20250936 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251200 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251200 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251200 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251200 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251200 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251200 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251213 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251213 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251213 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251213 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251213 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251213 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251086 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251086 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251086 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251086 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251086 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251086 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251086 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251407 |  |  |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
|  | 20251407 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251407 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251400 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251400 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251400 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251400 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.22 | 1.26 | Verified | Field value reflects source document |
|  | 20251411 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250968 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20250968 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250968 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250968 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250968 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250968 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250968 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251020 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251020 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251020 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251020 |  |  |  |  | Representative FICO | 746 | 780 |  |  |
|  | 20251020 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251020 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251020 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 35.371 | 46.99426 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20250960 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250960 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250960 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250960 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250960 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251219 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251219 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251219 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251219 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251219 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251219 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251031 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251031 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251031 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251031 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251031 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251031 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251039 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251039 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251039 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251039 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251039 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251105 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251105 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251105 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251105 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251105 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251105 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251061 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251061 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251061 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251061 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251061 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251061 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251061 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 19.604 | 17.07898 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251061 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251035 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251035 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251035 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251035 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251035 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251035 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251035 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251002 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251002 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251002 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251002 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251002 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251102 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251102 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251102 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251102 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251102 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251102 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251214 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251214 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20251214 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251214 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251214 |  |  |  |  | Maturity Date | XXX | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 20251214 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251214 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251214 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251214 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251097 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251097 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251097 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251097 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251097 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251097 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251097 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251036 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251036 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251036 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251036 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251036 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251036 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251036 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.86 | 0.87 | Verified | Field value reflects source document |
|  | 20251410 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251410 |  |  |  |  | Amortization Term |  | 360 | Verified | Unable to verify due to missing information |
|  | 20251410 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251410 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251410 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251410 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20251410 |  |  |  |  | Guideline Name |  | XXX | Verified | Unable to verify due to missing information |
|  | 20251360 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251360 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251360 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251360 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251360 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251360 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251360 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251360 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.24 | 1.26 | Verified | Field value reflects source document |
|  | 20251383 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251383 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251383 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251383 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251383 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251383 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251394 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.78 | 0.80 | Verified | Field value reflects source document |
|  | 20251335 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251335 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251335 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251335 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20251335 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251335 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251335 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251358 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251358 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251358 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251358 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251358 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251358 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251358 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251348 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251348 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251348 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251348 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251348 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251348 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251348 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251348 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Field value reflects source document |
|  | 20251340 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251340 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251340 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251340 |  |  |  |  | Property Type | Single Family Detached | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251340 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251340 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251340 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251340 |  |  |  |  | Subject Debt Service Coverage Ratio | 2.06 | 2.88 | Verified | Field value reflects source document |
|  | 20251416 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251416 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251416 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251416 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251416 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251352 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251352 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251352 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251352 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251352 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251352 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251352 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.94 | 0.97 | Verified | Field value reflects source document |
|  | 20251341 |  |  |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
|  | 20251341 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251341 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251341 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251341 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251341 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251341 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251362 |  |  |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
|  | 20251362 |  |  |  |  | Original Loan Amount | XXX | XXX | Verified | Field Value reflects the Note value |
|  | 20251362 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251362 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251362 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251362 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251362 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251362 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251414 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251414 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251414 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251414 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251414 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251414 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251414 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.02 | 1.03 | Verified | Field value reflects source document |
|  | 20251356 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251356 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251356 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251356 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251356 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251356 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251399 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251399 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251399 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251399 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251399 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251399 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251399 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251399 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.35 | 1.36 | Verified | Field value reflects source document |
|  | 20251351 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251351 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251351 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251351 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251351 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251351 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
|  | 20251351 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251343 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251343 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251343 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251343 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251343 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251343 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251343 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 0.99 | Verified | Field value reflects source document |
|  | 20251406 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251406 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251406 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251406 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251406 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251406 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251354 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251354 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251354 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251354 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251354 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251354 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251357 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251357 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251357 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251357 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251357 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251357 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251344 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251344 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251344 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251344 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251344 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251344 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251342 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251342 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251342 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251342 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251342 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251342 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251337 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251337 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251337 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251337 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251337 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251337 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251337 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251359 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251359 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251359 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251359 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251359 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 20251359 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251405 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251405 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251405 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251405 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251405 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251345 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251345 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251345 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251345 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251345 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251345 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251418 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251418 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251418 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251418 |  |  |  |  | Representative FICO | 762 | 811 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
|  | 20251418 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251418 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251418 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251379 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251379 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251379 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251379 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251379 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 20251379 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251379 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 50.194 | 54.67626 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251379 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251371 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251371 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251371 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251371 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251371 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251339 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251339 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251339 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251339 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251339 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251339 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251339 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251401 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251401 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251401 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251401 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251401 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251401 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251334 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251334 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251334 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251334 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251334 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251334 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251355 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251355 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251355 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251355 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251355 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251355 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251420 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251420 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251420 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251420 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251420 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251420 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251413 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251413 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251413 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251413 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251413 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251413 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251393 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251393 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251393 |  |  |  |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
|  | 20251393 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251393 |  |  |  |  | First Interest Rate Change Date |  | 2032-07-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
|  | 20251393 |  |  |  |  | Interest Rate Initial Cap | 1 | 5 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
|  | 20251393 |  |  |  |  | Interest Rate Life Floor | 1 | 3.625 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
|  | 20251393 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251417 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251417 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251417 |  |  |  |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
|  | 20251417 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251417 |  |  |  |  | First Interest Rate Change Date |  | 2032-07-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
|  | 20251417 |  |  |  |  | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
|  | 20251417 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251417 |  |  |  |  | Interest Rate Initial Cap | 1 | 5 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
|  | 20251417 |  |  |  |  | Interest Rate Life Floor | 1 | 4.125 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
|  | 20251417 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251369 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251369 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251369 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251369 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251369 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251346 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251346 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251346 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251346 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251346 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251346 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251367 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251367 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251367 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251367 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251367 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251367 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251375 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251375 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251375 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251375 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251375 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251385 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251385 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251385 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251385 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251385 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251385 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251404 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251404 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251404 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251404 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251404 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251404 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251404 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251353 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251353 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251353 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251353 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251353 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251353 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251365 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251365 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251365 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251365 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251365 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251365 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251409 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251409 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251409 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251409 |  |  |  |  | Representative FICO | 745 | 768 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
|  | 20251409 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251409 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251409 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 33.597 | 41.24057 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251409 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251395 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251395 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251395 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251395 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251395 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251395 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251415 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251415 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251415 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251415 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251415 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251415 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251403 |  |  |  |  | Original Term |  | 480 | Verified | Field Value reflects the Note value |
|  | 20251403 |  |  |  |  | Amortization Term |  | 480 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251403 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251403 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20251403 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251403 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 20251403 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251403 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 31.328 | 33.34855 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
|  | 20251403 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251377 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251377 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251377 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251377 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251377 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251377 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251366 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251366 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251366 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251366 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251366 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251366 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251412 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 19.13 | 23.22967 | Verified | Used Expense ratio based upon CPA letter |
|  | 20251412 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251412 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251412 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251412 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251412 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251412 |  |  |  |  | Guideline Name |  | XXX | Verified | Field value reflects source document |
|  | 20251370 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251370 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251370 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251370 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251370 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251370 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251376 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.31 | 1.32 | Verified | Field value reflects source document |
|  | 20251376 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251376 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250889 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 41.701 | 45.17038 | Verified | As per AUS DTI matches |
|  | 20250808 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |

---

## Exhibit 99.7

[GCAT Depositor vi llcabs-15g](gcat2025-abs15g.htm)

**Exhibit 99.7**

![](ex997001.jpg)

**EXECUTIVE SUMMARY**

**GCAT 2025-NQM5**

**By Clarifii LLC on September 8, 2025**

GCAT 2025-NQM5 Due Diligence Narrative Report – PagE \| 1

![](ex997001.jpg)

**CLARIFII CONTACT INFORMATION**

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 3 loans (the "Loans") and these loans were subsequently acquired by Blue River Mortgage VI LLC (the "Client") for the GCAT 2025-NQM5 transaction. The loans referenced in this narrative report were reviewed 06/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1478250.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1478250.00** |

---

The Review consisted of a population of 3 Loans, with an aggregate principal balance of $1,478,250.00.

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

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

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.

GCAT 2025-NQM5 Due Diligence Narrative Report – PagE \| 2

![](ex997001.jpg)

---

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

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Field** |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Middle Name |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Middle Name |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Loan Amount |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Verified Doc Type |

---

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**CREDIT UNDERWRITING**

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

● **Loan Attributes** 

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

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

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

– Monthly Debt

– Occupancy

– Property Type

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

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **Credit Application** 

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

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

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

● **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

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● **Employment and Income** 

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

– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in loan file

● **Fraud Review** 

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

– Borrower identity

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

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

– Occupancy

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

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

– Employment

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

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

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

OFAC

● **Asset Review** 

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

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

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

– Other documentation in loan file

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

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

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

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

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

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

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

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

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

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

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

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

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

● **Flood Certification** 

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

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

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

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**COMPLIANCE REVIEW**

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

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

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

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

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

● **Compliance Documentation Requirements** 

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

– Initial and final application (1003)

– Note, including all addendums

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

– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

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

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

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

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

– 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.

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

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

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

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

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

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

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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.

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**ABILITY TO REPAY (ATR)**

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

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

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

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

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

**VALUATION REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)**<br> Clarifii checked for the presence of the appraiser's license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.<br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● **Uniform Standards of Professional Appraisal Practice (USPAP)**<br> Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.<br>

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**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10% of OA or Acceptable UCDP Risk Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;CU/LCA Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

**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.

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**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

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

---

GCAT 2025-NQM5 Due Diligence Narrative Report – PagE \| 14

![](ex997001.jpg)

**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| **Overall Review Results** | **Overall Review Results** | **Overall Review Results** |
| **Final Grade** | **Loan Count** | **% of Sample** |
| A | 3 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **3** | **100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| **Credit Grade Summary** | **Credit Grade Summary** | **Credit Grade Summary** |
| **Final Grade** | **Loan Count** | **% of Sample** |
| A | 3 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **3** | **100.00%** |

---

GCAT 2025-NQM5 Due Diligence Narrative Report – PagE \| 15

![](ex997001.jpg)

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| **Property Grade Summary** | **Property Grade Summary** | **Property Grade Summary** |
| **Final Grade** | **Loan Count** | **% of Sample** |
| A | 3 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **3** | **100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| **Compliance Grade Summary** | **Compliance Grade Summary** | **Compliance Grade Summary** |
| **Final Grade** | **Loan Count** | **% of Sample** |
| A | 3 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **3** | **100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1478250.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1478250.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;2 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;$1145000.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;1 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;$333250.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1478250.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1478250.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1478250.00** |

---

GCAT 2025-NQM5 Due Diligence Narrative Report – PagE \| 16

![](ex997001.jpg)

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1478250.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1478250.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1478250.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1478250.00** |

---

**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.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Field** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Qualifying Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |

---

GCAT 2025-NQM5 Due Diligence Narrative Report – PagE \| 17

![](ex997001.jpg)

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

**Disclaimer**

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

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

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

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

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

GCAT 2025-NQM5 Due Diligence Narrative Report – PagE \| 18

## Exhibit 99.8

[GCAT Depositor vi llcabs-15g](gcat2025-abs15g.htm)

**Exhibit 99.8**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | 20251398 | 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 | 17922.3 | 7.545 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6254.66 | N/A | Employed |  | No |  | No |  |
| XXXX | 20251386 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 20251397 | 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 | 14640.1 | 7.597 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6042.98 | Yes | Employed | Retired | No | No | No |  |

---

## Exhibit 99.9

[GCAT Depositor vi llcabs-15g](gcat2025-abs15g.htm)

**Exhibit 99.9**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 20251398 | XXXX | XXXX | Loan Purpose | the1003Page | Refinance | Rate Term Refi | Cash out Refinance due to getting over max cash out for R&T transaction |
| XXXX | 20251398 | XXXX | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 35.73 | 32.10 | Audit housing DTI is within 2% of the loan approval |
| XXXX | 20251398 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.46 | 37.30 | Audit calculated lower lower income than amount on 1008. |
| XXXX | 20251397 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.75 | 42.30 | Audit calculated lower income. |
| XXXX | 20251397 | XXXX | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 49.75 | 42.30 | Audit calculated lower income. |

---

## Exhibit 99.10

[GCAT Depositor vi llcabs-15g](gcat2025-abs15g.htm)

**Exhibit 99.10**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | 20251398 | XXXX D A | Closed | FCRE1118 | 2025-06-04 12:16 | 2025-06-06 10:54 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-Borrower was the trustee and can sign as the trust settlor. - Due Diligence Vendor-06/06/2025 <br>Ready for Review-The Notary is responsible for the signature. It is the same person. - Seller-06/04/2025 <br>Open-Borrower 1 Signature does not match Note Deed is signed by the borrower as "Trust Settlor" and does not match how Note is signed as individual and as trustee - Due Diligence Vendor-06/04/2025 | Ready for Review-The Notary is responsible for the signature. It is the same person. - Seller-06/04/2025<br>| Resolved-Borrower was the trustee and can sign as the trust settlor. - Due Diligence Vendor-06/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 744; minimum score 680.<br>On time mortgage history exceeds guideline requirement - 0x30 on time mortgage housing history. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4332565 |
| XXXX | 20251398 | XXXX D A | Closed | FCRE7806 | 2025-06-04 12:35 | 2025-06-06 10:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Bank Statement Summary/Lender Worksheet was provided. - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. Uploaded - Seller-06/04/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. Uploaded - Seller-06/04/2025<br>| Resolved-Bank Statement Summary/Lender Worksheet was provided. - Due Diligence Vendor-06/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 744; minimum score 680.<br>On time mortgage history exceeds guideline requirement - 0x30 on time mortgage housing history. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4332861 |
| XXXX | 20251398 | XXXX D A | Closed | FCRE7805 | 2025-06-04 09:16 | 2025-06-06 10:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-Bank statement transaction history provided for XXXX. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. Was included in the credit package on page 39. Uploaded again. - Seller-06/04/2025 <br> Open-Missing XXXX bank statements. Only provided 11 months, also missing income calculation worksheet that Lender used. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. Was included in the credit package on page 39. Uploaded again. - Seller-06/04/2025<br>| Resolved-Bank statement transaction history provided for XXXX. - Due Diligence Vendor-06/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 744; minimum score 680.<br>On time mortgage history exceeds guideline requirement - 0x30 on time mortgage housing history. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4329367 |
| XXXX | 20251398 | XXXX D A | Closed | FCRE5782 | 2025-06-04 09:26 | 2025-06-06 10:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report was provided. - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/04/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025<br>| Resolved-Borrower 1 Gap Credit Report was provided. - Due Diligence Vendor-06/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 744; minimum score 680.<br>On time mortgage history exceeds guideline requirement - 0x30 on time mortgage housing history. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4329493 |
| XXXX | 20251398 | XXXX D A | Closed | FCRE1254 | 2025-06-04 08:48 | 2025-06-06 10:37 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue with coverage amount was provided. - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. Uploaded - Seller-06/04/2025 <br>Open-Property Title Issue Missing insured coverage loan amount. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. Uploaded - Seller-06/04/2025<br>| Resolved-Property Title Issue with coverage amount was provided. - Due Diligence Vendor-06/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 744; minimum score 680.<br>On time mortgage history exceeds guideline requirement - 0x30 on time mortgage housing history. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4329055 |
| XXXX | 20251386 | XXXX C A | Closed | FCRE1194 | 2025-06-11 15:33 | 2025-08-05 10:43 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Received confirmation of program-allows 75% max LTV. - Due Diligence Vendor-06/17/2025 <br> Counter-Audit does not have matrix provided-XXXX-DSCR. Exception required for LTV - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. Uploaded Matrix. Loan amount to a Million 1-4 unit can go to 75% - Seller-06/13/2025 <br> Open-Audited LTV of 74.89% exceeds Guideline LTV of 70% Max LTV on refi of a 3 unit property is 70% - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. Uploaded Matrix. Loan amount to a Million 1-4 unit can go to 75% - Seller-06/13/2025<br>| Resolved-Received confirmation of program-allows 75% max LTV. - Due Diligence Vendor-06/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 771<br>Months Reserves exceed minimum required - 4.5 mths reserves; 2 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4415536 |
| XXXX | 20251397 | XXXX D A C | Closed | FCRE1316 | 2025-06-12 05:21 | 2025-08-15 17:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received pre close VVOE. - Due Diligence Vendor-06/17/2025 <br>Ready for Review-Document Uploaded. Uploaded - Seller-06/13/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing VVOE not present for Borrower 1. - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. Uploaded - Seller-06/13/2025<br>| Resolved-Received pre close VVOE. - Due Diligence Vendor-06/17/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 9.54 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 748. |  | 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 | 4421325 |
| XXXX | 20251397 | XXXX D A C | Closed | FPRO1136 | 2025-06-12 05:02 | 2025-06-17 14:25 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Received 1004d - Due Diligence Vendor-06/17/2025 <br>Ready for Review-Document Uploaded. - Seller-06/13/2025 <br>Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present Missing Appraisal Update/Completion Report. - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. - Seller-06/13/2025<br>| Resolved-Received 1004d - Due Diligence Vendor-06/17/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 9.54 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 748. |  | 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 | 4421258 |

---

## Exhibit 99.11

[GCAT Depositor vi llcabs-15g](gcat2025-abs15g.htm)

**Exhibit 99.11**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 20251398 | XXXX | XXXX D A |
| XXXX | 20251386 | XXXX | XXXX C A |
| XXXX | 20251397 | XXXX | XXXX D A C |

---

## Exhibit 99.12

[GCAT Depositor vi llcabs-15g](gcat2025-abs15g.htm)

**Exhibit 99.12**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 20251398 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 28.62 | 28.62 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 20251386 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 74.89 | 74.89 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 20251397 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 71.22 | 71.22 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XXXX |

---

## Exhibit 99.13

[GCAT Depositor vi llcabs-15g](gcat2025-abs15g.htm)

**Exhibit 99.13**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 |
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXX | 20251398 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/28/2025 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 17922.3 | 04/28/2025 | 6.880% |  |  | No | 7.545% |  | 7.250% |  | $2831.03 | No |  | $9338.76 | $778.23 | $2496.96 | $208.08 | $0.00 | $0.00 | $0.00 | $3817.34 | $6254.66 | N/A |  |  | $0.00 |  |  | 0.00% | 41.46% | 41.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 04/11/2025 | 04/11/2025 |  |  |  | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 48874.87 | 12.8 | 52620.41 | 13.8 | No | 28.62 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 20251386 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/23/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | $2301.67 | No |  | $5179.68 | $431.64 | $1013.04 | $84.42 | $0.00 | $0.00 | $0.00 | $2817.73 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.224 | 1.224 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/01/2025 | 05/01/2025 |  |  |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 12680.54 | 4.5 | 17173.80 | 6.1 | No | 74.89 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 20251397 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/28/2025 | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 14640.1 | 05/19/2025 | 6.870% |  |  | No | 7.597% |  | 7.375% |  | $5041.93 | No |  | $8681.64 | $723.47 | $2619.00 | $218.25 | $0.00 | $0.00 | $0.00 | $5983.65 | $6042.98 | N/A |  |  | $0.00 |  |  | 0.00% | 49.75% | 49.75% | No | No |  |  |  |  |  |  | Employed | Retired |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 10 | 10 | Work Number NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - SSI and Disability - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/06/2025 | 05/06/2025 | 05/06/2025 |  |  | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 43525.96 | 7.3 | 57096.77 | 9.5 | No | 71.22 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |

---

## Exhibit 99.14

[GCAT Depositor vi llcabs-15g](gcat2025-abs15g.htm)

**Exhibit 99.14**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on behalf of its client, Blue River Mortgage VI LLC. The review included a total of 82 newly originated residential mortgage loans, in connection with the securitization identified as GCAT 2025-NQM5 (the "Securitization"). The Review was conducted from May 2025 to July 2025 on mortgage loans originated in May 2025.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

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

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

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

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

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

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

● Validate monthly recurring liabilities

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

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

● Documentation meets Appendix Q requirements for QM Loans

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

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

● Determine representative credit score from credit report

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

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

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

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

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

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

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

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

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For loans reviewed in a post-close valuation review scenario (82 loans in total):

Three (3) loans had a Secondary Appraisal, zero (0) loans had AVMs, and eighty-one (81) loans had Desktop Reviews.

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

One (1) loan had a Field Review, and zero (0) loans had an Exterior Only Appraisal Review.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the 82 mortgage loans reviewed, eighty-two (82) unique mortgage loans (100.00% by loan count) had a total of four hundred eighty-seven (487) different tape discrepancies across twenty-three (23) 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;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;82 | &nbsp;&nbsp;16.84% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;81 | &nbsp;&nbsp;16.63% |
| &nbsp;&nbsp;Borrower Appraisal Receipt Date | &nbsp;&nbsp;75 | &nbsp;&nbsp;15.40% |
| &nbsp;&nbsp;Total Qualified Assets Available | &nbsp;&nbsp;70 | &nbsp;&nbsp;14.37% |
| &nbsp;&nbsp;Qualifying Total Monthly Liabilities | &nbsp;&nbsp;59 | &nbsp;&nbsp;12.11% |
| &nbsp;&nbsp;Total Liquid Assets Available For Close | &nbsp;&nbsp;44 | &nbsp;&nbsp;9.03% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;13 | &nbsp;&nbsp;2.67% |
| &nbsp;&nbsp;Borrower 1 Total Years Employment/Self-Employment Verified | &nbsp;&nbsp;11 | &nbsp;&nbsp;2.26% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.85% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.44% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.44% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.23% |
| &nbsp;&nbsp;Qualifying Monthly P&I Amount | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.03% |
| &nbsp;&nbsp;Reviewed Appraised Property Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.62% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.62% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.62% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.41% |
| &nbsp;&nbsp;Lock Term (Days) | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.41% |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;Borrower 2 Qualifying Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**487** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample by Loan Count |
| Event Grade A | 80 | $51151697.00 | 97.56% |
| Event Grade B | 2 | $1813750.00 | 2.44% |
| Event Grade C | 0 | $0 | 0% |
| Event Grade D | 0 | $0 | 0% |
| **Total Sample** | 82 | $52965447.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 81 | 98.78% |
| Event Grade B | 1 | 1.22% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 82 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 81 | 98.78% |
| Event Grade B | 1 | 1.22% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 82 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 82 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 82 | 100.00% |

---

 **Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;64 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Rent Loss Insurance Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &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 Letter of Explanation (Credit) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Award Letter Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Purchase Contract is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Tradelines do not meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Policy is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Purchase is not considered to be an Arm's Length Transaction | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Trust/POA Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &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;Borrower Non-US Citizen Identification Document Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Loan Agreement Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***85*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower Contributions Do Not Met Guideline Minimum | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;68 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA Per Diem Interest Amount Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID Post-Consummation Revised Closing Disclosure Data Validation Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***86*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;79 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***82*** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.15

[GCAT Depositor vi llcabs-15g](gcat2025-abs15g.htm)

**Exhibit 99.15**

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **ALT ID** | **Marketing ID** | **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** |
| XXX | XXX | 20251100 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/23/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 38.62% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 5.99 years on job. A |
| XXX | XXX | 20251100 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/23/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 38.62% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 5.99 years on job. A |
| XXX | XXX | 20251100 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/23/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 38.62% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 5.99 years on job. A |
| XXX | XXX | 20251165 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/23/2025 | Resolved | XXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Guidelines require rent loss insurance covering a minimum of 6 months of the rental figure used to qualify. The Hazard Insurance in the loan file does not reflect Rent Loss coverage. | Document Uploaded. | 05/29/2025 | Documentation provided is sufficient. Exception resolved.; Rent Loss Coverage Present | 07/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is greater than Guideline minimum FICO of 740<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.33% is less than Guideline CLTV of 75%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 52.33% is less than Guideline LTV of 75% D A |
| XXX | XXX | 20251165 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/23/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is greater than Guideline minimum FICO of 740<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.33% is less than Guideline CLTV of 75%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 52.33% is less than Guideline LTV of 75% D A |
| XXX | XXX | 20251165 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is greater than Guideline minimum FICO of 740<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.33% is less than Guideline CLTV of 75%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 52.33% is less than Guideline LTV of 75% D A |
| XXX | XXX | 20251186 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2025 | Resolved | XXX | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. The final 1008 and Final Lender loan approval not provided for review. | Document Uploaded. | 05/29/2025 | Approval/Underwriting Summary is fully present; Documentation provided is sufficient. Exception resolved. | 07/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 792 is greater than Guideline minimum FICO of 740 B A |
| XXX | XXX | 20251186 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 792 is greater than Guideline minimum FICO of 740 B A |
| XXX | XXX | 20251186 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 792 is greater than Guideline minimum FICO of 740 B A |
| XXX | XXX | 20251135 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/27/2025 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required The Initial loan documents were esigned on 04/15, please provide an eConsent dated on or prior to 04/15/25 | Document Uploaded. | 05/29/2025 | Evidence of eConsent is provided. | 07/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 720<br>Qualifying DTI below max allowed. - Calculated DTI of 31.37% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 10.21 years on job. A |
| XXX | XXX | 20251135 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/27/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 720<br>Qualifying DTI below max allowed. - Calculated DTI of 31.37% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 10.21 years on job. A |
| XXX | XXX | 20251135 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/27/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 720<br>Qualifying DTI below max allowed. - Calculated DTI of 31.37% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 10.21 years on job. A |
| XXX | XXX | 20251174 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.48% is less than Guideline LTV of 65%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.48% is less than Guideline CLTV of 65% A |
| XXX | XXX | 20251174 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.48% is less than Guideline LTV of 65%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.48% is less than Guideline CLTV of 65% A |
| XXX | XXX | 20251174 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.48% is less than Guideline LTV of 65%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.48% is less than Guideline CLTV of 65% A |
| XXX | XXX | 20251147 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines For self-employed borrowers, the guidelines state to verify the existence of the business within 30 days of the Note. The CPA letter in file was dated on 04/03/2025, which was more than 30 days from the Note date of [Redacted]. Also, there was a business entity search and a website search of the business; however, these documents did not show the date of the search. | Document Uploaded. | 06/02/2025 | Income and Employment Meet Guidelines - Received a post-close business entity verification from UTA Business Reg . Exception Resolved. | 07/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 789 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 25.89% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 3.1 years on job. A |
| XXX | XXX | 20251147 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 789 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 25.89% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 3.1 years on job. A |
| XXX | XXX | 20251147 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 789 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 25.89% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 3.1 years on job. A |
| XXX | XXX | 20251146 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Compliance | Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | Incorrect rescission model used - RTC form model H8 (New Creditor) used for Same Lender or Lender Affiliate Refinance The subject refinance transaction was paying off a prior loan from XXX (pg. 475), which matches the subject lender, and therefore, RTC form model H9 (Same Creditor) was required to be used. <br> Per SFIG, finding is downgraded to A, as the property is located in Florida. |  |  | Per SFIG, finding is downgraded to A, as the property is located in Florida | 05/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of 36.99% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 3.36 years on job. A |
| XXX | XXX | 20251146 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 36.99% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 3.36 years on job. A |
| XXX | XXX | 20251146 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 36.99% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 3.36 years on job. A |
| XXX | XXX | 20251157 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.58% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.58% is less than Guideline CLTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 32.41% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 10.13 years on job. A |
| XXX | XXX | 20251157 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.58% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.58% is less than Guideline CLTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 32.41% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 10.13 years on job. A |
| XXX | XXX | 20251157 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.58% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.58% is less than Guideline CLTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 32.41% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 10.13 years on job. A |
| XXX | XXX | 20251167 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 677 is greater than Guideline minimum FICO of 660<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.92% is less than Guideline CLTV of 60%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 45.92% is less than Guideline LTV of 60% A |
| XXX | XXX | 20251167 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 677 is greater than Guideline minimum FICO of 660<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.92% is less than Guideline CLTV of 60%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 45.92% is less than Guideline LTV of 60% A |
| XXX | XXX | 20251167 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 677 is greater than Guideline minimum FICO of 660<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.92% is less than Guideline CLTV of 60%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 45.92% is less than Guideline LTV of 60% A |
| XXX | XXX | 20251154 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 773 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251154 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 773 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251154 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 773 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251144 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 802 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 5.82% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 18.93 years on job. A |
| XXX | XXX | 20251144 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 802 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 5.82% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 18.93 years on job. A |
| XXX | XXX | 20251144 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 802 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 5.82% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 18.93 years on job. A |
| XXX | XXX | 20251130 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Credit | Trust/POA Does Not Meet Guideline Requirements | Missing executed POA documentation for the non-borrowing spouse who who executed the Mortgage. Lender to provide a copy of the executed POA documentation for the non-borrowing spouse who executed the Mortgage. | Document Uploaded. | 05/30/2025 | Documentation provided is sufficient. Exception resolved. | 05/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 770 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 27.29% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.93 years on job. A |
| XXX | XXX | 20251130 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 770 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 27.29% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.93 years on job. A |
| XXX | XXX | 20251130 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 770 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 27.29% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.93 years on job. A |
| XXX | XXX | 20251116 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | 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))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 05/28/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| XXX | XXX | 20251116 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Compliance | CA Per Diem Interest Amount Test | This loan failed the per diem interest amount test. (CA Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($2,763.36) exceeds the per diem interest charge or credit threshold ($2,277.43).PLEASE NOTE: An additional $1 buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. | Document Uploaded. | 05/30/2025 | PCCD provided; exception resolved; PCCD provided; exception resolved; The disbursement date was [Redacted] however the final signed CD shows interest started as of [Redacted] which was prior to consummation and the file did not contain a final settlement statement to verify the amount collected in pre-paid interest | 06/01/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| XXX | XXX | 20251116 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California 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 California Financial Code. While the California 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. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 05/28/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| XXX | XXX | 20251116 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| XXX | XXX | 20251116 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| XXX | XXX | 20251139 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 4.13 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 18.31% is less than Guideline DTI of 55%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| XXX | XXX | 20251139 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 4.13 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 18.31% is less than Guideline DTI of 55%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| XXX | XXX | 20251139 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 4.13 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 18.31% is less than Guideline DTI of 55%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| XXX | XXX | 20251171 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2025 | Rescinded | XXX | Credit | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction Invalid. Allowed per lender guidelines | Please clarify your condition. | 05/30/2025 | Non arm's length is allowed by guidelines | 05/31/2025 | A |
| XXX | XXX | 20251171 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 768 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251171 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 768 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251171 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 768 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251142 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/29/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 9.35 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 797 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| XXX | XXX | 20251142 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/29/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 9.35 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 797 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| XXX | XXX | 20251142 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/29/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 9.35 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 797 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| XXX | XXX | 20251134 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 05/30/2025 | Resolved | XXX | Compliance | CA Per Diem Interest Amount Test | funds were disbursed on [Redacted], however the interest start date on the CD in file is [Redacted] This loan failed the per diem interest amount test. (CA Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($6,566.82) exceeds the per diem interest charge or credit threshold ($6,146.80).PLEASE NOTE: An additional $1 buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 05/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of 15.42% is less than Guideline DTI of 55%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.47% is less than Guideline CLTV of 75%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 57.47% is less than Guideline LTV of 75%<br>Borrower has stable job time - Borrower has 3.67 years on job. A |
| XXX | XXX | 20251134 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 05/29/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 15.42% is less than Guideline DTI of 55%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.47% is less than Guideline CLTV of 75%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 57.47% is less than Guideline LTV of 75%<br>Borrower has stable job time - Borrower has 3.67 years on job. A |
| XXX | XXX | 20251134 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 05/29/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 15.42% is less than Guideline DTI of 55%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.47% is less than Guideline CLTV of 75%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 57.47% is less than Guideline LTV of 75%<br>Borrower has stable job time - Borrower has 3.67 years on job. A |
| XXX | XXX | 20251181 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Credit | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing | Document Uploaded. This was in the file. | 06/02/2025 | Purchase Contract Doc is not Missing, or is Not Applicable. Exception Resolved. | 07/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 778 is greater than Guideline minimum FICO of 740 D A |
| XXX | XXX | 20251181 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 778 is greater than Guideline minimum FICO of 740 D A |
| XXX | XXX | 20251181 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 778 is greater than Guideline minimum FICO of 740 D A |
| XXX | XXX | 20251163 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 778 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251163 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 778 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251163 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 778 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251185 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | A |
| XXX | XXX | 20251185 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | A |
| XXX | XXX | 20251185 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | A |
| XXX | XXX | 20251166 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 779 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251166 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 779 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251166 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 779 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251126 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/29/2025 | Resolved | XXX | 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))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 05/30/2025 | Borrower has stable job time - Borrower has 4.26 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 19.25% is less than Guideline DTI of 50% A |
| XXX | XXX | 20251126 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/29/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 4.26 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 19.25% is less than Guideline DTI of 50% A |
| XXX | XXX | 20251126 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/29/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 4.26 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 19.25% is less than Guideline DTI of 50% A |
| XXX | XXX | 20251129 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/29/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 2.19 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 25.83% is less than Guideline DTI of 55%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 788 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251129 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/29/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 2.19 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 25.83% is less than Guideline DTI of 55%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 788 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251129 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/29/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 2.19 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 25.83% is less than Guideline DTI of 55%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 788 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251119 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/29/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 10.65% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 2.7 years on job. A |
| XXX | XXX | 20251119 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/29/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 10.65% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 2.7 years on job. A |
| XXX | XXX | 20251119 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/29/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 10.65% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 2.7 years on job. A |
| XXX | XXX | 20251140 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/29/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 720<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85%<br>Borrower has stable job time - Borrower has 19.73 years on job. A |
| XXX | XXX | 20251140 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/29/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 720<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85%<br>Borrower has stable job time - Borrower has 19.73 years on job. A |
| XXX | XXX | 20251140 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/29/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 720<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85%<br>Borrower has stable job time - Borrower has 19.73 years on job. A |
| XXX | XXX | 20251183 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Credit | Loan Agreement Missing | Missing loan agreement as required per guidelines or as referenced in the loan file. The required LLC Borrowing Certificate for a Single Member entity, Guideline Exhibit F, is missing from the loan file. | This was signed by the borrower via electronic signature, which is why it looks different than his wet signed documents. There is a signature verification attached, which matched the ID on the document and matches his email and e consent email. ; Document Uploaded. | 06/06/2025 | Loan Agreement Present; Documentation provided is sufficient. Exception resolved.; Documentation provided is insufficient as borrower's signature on the borrower certification differs from signature on Note and Deed of Trust. Exception remains. | 07/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.04% is less than Guideline CLTV of 75%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 37.04% is less than Guideline LTV of 75% D A |
| XXX | XXX | 20251183 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.04% is less than Guideline CLTV of 75%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 37.04% is less than Guideline LTV of 75% D A |
| XXX | XXX | 20251183 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.04% is less than Guideline CLTV of 75%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 37.04% is less than Guideline LTV of 75% D A |
| XXX | XXX | 20251137 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 3.3 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 44.06% is less than Guideline DTI of 55%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 768 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| XXX | XXX | 20251137 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 3.3 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 44.06% is less than Guideline DTI of 55%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 768 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| XXX | XXX | 20251137 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 3.3 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 44.06% is less than Guideline DTI of 55%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 768 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| XXX | XXX | 20251143 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 2.39 years on job. A |
| XXX | XXX | 20251143 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 2.39 years on job. A |
| XXX | XXX | 20251143 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 2.39 years on job. A |
| XXX | XXX | 20251169 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Credit | Borrower Non-US Citizen Identification Document Missing | Non US Citizen Borrower is missing Identification Document. Non US Citizen Borrower is missing Identification Document. Non US Citizen Borrower is missing Identification Document. Non US Citizen Borrower is missing Identification Document. | Document Uploaded. | 06/03/2025 | Borrower Identification Document provided. Per guidelines the Cert of Resident Alien Status form is all that is required, which was provided. Exception Resolved. | 07/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.76% is less than Guideline LTV of 85%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.76% is less than Guideline CLTV of 85% D A |
| XXX | XXX | 20251169 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The file did not contain any housing history. | Document Uploaded. | 06/03/2025 | Housing History Meets Guideline Requirements - At time of application, borrower had primary residence in pending sale, which took place [Redacted], which is where proceeds came from. Received property details report on primary residence that property was free and clear. Further the HUD-1 in file also confirms borrower did not pay a mortgage off. The other properties borrower's owns, which will not be borrower's primary residence are also free and clear. Mortgage loans not reported on credit report. Therefore, no there is no mortgage history to be provided or reviewed, which meets lender guidelines. Exception Resolved. | 07/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.76% is less than Guideline LTV of 85%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.76% is less than Guideline CLTV of 85% D A |
| XXX | XXX | 20251169 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.76% is less than Guideline LTV of 85%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.76% is less than Guideline CLTV of 85% D A |
| XXX | XXX | 20251138 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 789 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| XXX | XXX | 20251138 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 789 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| XXX | XXX | 20251138 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 789 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| XXX | XXX | 20251151 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: The appraiser states there is a unpermitted 2nd kitchen, but no explanation as to why and whether the property has an ADU. | Document Uploaded. | 06/05/2025 | Explanation provided is sufficient. Exception resolved; Property/Appraisal Meets Guidelines | 07/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of 42.04% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 5.45 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 800 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251151 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Provide executed Letter of Explanation as to why the tenants last name as the same as the borrowers last name on departing residence lease: XXX | Document Uploaded. | 06/05/2025 | Housing History Meets Guideline Requirements; Explanation provided is sufficient. Exception resolved | 07/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of 42.04% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 5.45 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 800 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251151 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | 06/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of 42.04% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 5.45 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 800 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251184 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 699 is greater than Guideline minimum FICO of 680 A |
| XXX | XXX | 20251184 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 699 is greater than Guideline minimum FICO of 680 A |
| XXX | XXX | 20251184 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 699 is greater than Guideline minimum FICO of 680 A |
| XXX | XXX | 20251122 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California 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 California Financial Code. While the California 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. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 07/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of 43.01% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 15.79 years on job. A |
| XXX | XXX | 20251122 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | 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))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 07/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of 43.01% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 15.79 years on job. A |
| XXX | XXX | 20251122 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/01/2025 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $23.63.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). 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 $23.63.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). | PCCD provided | 07/03/2025 | PCCD provided, condition cleared | 07/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of 43.01% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 15.79 years on job. A |
| XXX | XXX | 20251122 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/01/2025 | Resolved | XXX | Compliance | TRID Post-Consummation Revised Closing Disclosure Data Validation Test | This loan failed the TRID post-consummation revised closing disclosure data validation test.This loan contains a post-consummation reason for redisclosure, but it does not provide either: A consummation date; or A post-consummation revised closing disclosure delivery date; or A date when the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure occurred; or A date when the creditor knew of the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure. These dates are necessary to determine the timing requirement in the Post-Consummation Event and Revised Closing Disclosure Delivery Date Test. This loan failed the TRID post-consummation revised closing disclosure data validation test.This loan contains a post-consummation reason for redisclosure, but it does not provide either: A consummation date; or A post-consummation revised closing disclosure delivery date; or A date when the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure occurred; or A date when the creditor knew of the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure. These dates are necessary to determine the timing requirement in the Post-Consummation Event and Revised Closing Disclosure Delivery Date Test. | PCCD provided | 07/03/2025 | PCCD provided, condition cleared | 07/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of 43.01% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 15.79 years on job. A |
| XXX | XXX | 20251122 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 43.01% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 15.79 years on job. A |
| XXX | XXX | 20251122 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 43.01% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 15.79 years on job. A |
| XXX | XXX | 20251176 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.99% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 68.99% is less than Guideline LTV of 80% A |
| XXX | XXX | 20251176 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.99% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 68.99% is less than Guideline LTV of 80% A |
| XXX | XXX | 20251176 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.99% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 68.99% is less than Guideline LTV of 80% A |
| XXX | XXX | 20251168 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | A |
| XXX | XXX | 20251168 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | A |
| XXX | XXX | 20251168 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | A |
| XXX | XXX | 20251133 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 5.47 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 30.85% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 770 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251133 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 5.47 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 30.85% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 770 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251133 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 5.47 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 30.85% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 770 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251160 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 21.52 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 44.09% is less than Guideline DTI of 55%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 735 is greater than Guideline minimum FICO of 720<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| XXX | XXX | 20251160 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 21.52 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 44.09% is less than Guideline DTI of 55%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 735 is greater than Guideline minimum FICO of 720<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| XXX | XXX | 20251160 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 21.52 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 44.09% is less than Guideline DTI of 55%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 735 is greater than Guideline minimum FICO of 720<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| XXX | XXX | 20251131 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 60.85% is less than Guideline LTV of 90%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 809 is greater than Guideline minimum FICO of 740<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.85% is less than Guideline CLTV of 90%<br>Qualifying DTI below max allowed. - Calculated DTI of 39.58% is less than Guideline DTI of 55% A |
| XXX | XXX | 20251131 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 60.85% is less than Guideline LTV of 90%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 809 is greater than Guideline minimum FICO of 740<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.85% is less than Guideline CLTV of 90%<br>Qualifying DTI below max allowed. - Calculated DTI of 39.58% is less than Guideline DTI of 55% A |
| XXX | XXX | 20251131 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 60.85% is less than Guideline LTV of 90%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 809 is greater than Guideline minimum FICO of 740<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.85% is less than Guideline CLTV of 90%<br>Qualifying DTI below max allowed. - Calculated DTI of 39.58% is less than Guideline DTI of 55% A |
| XXX | XXX | 20251191 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.78% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 64.78% is less than Guideline LTV of 80% A |
| XXX | XXX | 20251191 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.78% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 64.78% is less than Guideline LTV of 80% A |
| XXX | XXX | 20251191 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.78% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 64.78% is less than Guideline LTV of 80% A |
| XXX | XXX | 20251161 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of [Redacted] is after the Disbursement Date of [Redacted]. Hazard policy effective date of [Redacted], disbursement date on final CD is [Redacted]. | Document Uploaded. | 06/03/2025 | Hazard Insurance Effective Date of 05-22-2025 is prior to or equal to the Disbursement Date of 05-23-2025 Or Hazard Insurance Effective Date Is Not Provided. Exception Resolved. | 07/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 813 is greater than Guideline minimum FICO of 740<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90%<br>Qualifying DTI below max allowed. - Calculated DTI of 44.24% is less than Guideline DTI of 55%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% A |
| XXX | XXX | 20251161 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 813 is greater than Guideline minimum FICO of 740<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90%<br>Qualifying DTI below max allowed. - Calculated DTI of 44.24% is less than Guideline DTI of 55%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% A |
| XXX | XXX | 20251161 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 813 is greater than Guideline minimum FICO of 740<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90%<br>Qualifying DTI below max allowed. - Calculated DTI of 44.24% is less than Guideline DTI of 55%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% A |
| XXX | XXX | 20251145 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 3.82 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 803 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251145 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/01/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 3.82 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 803 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251145 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/01/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 3.82 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 803 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251128 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 06/02/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.83% is less than Guideline CLTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 35.78% is less than Guideline DTI of 55%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 62.83% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 793 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251128 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 06/01/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.83% is less than Guideline CLTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 35.78% is less than Guideline DTI of 55%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 62.83% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 793 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251128 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 06/01/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.83% is less than Guideline CLTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 35.78% is less than Guideline DTI of 55%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 62.83% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 793 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251173 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/01/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.27% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 808 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 46.27% is less than Guideline LTV of 80% A |
| XXX | XXX | 20251173 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/01/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.27% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 808 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 46.27% is less than Guideline LTV of 80% A |
| XXX | XXX | 20251173 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/01/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.27% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 808 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 46.27% is less than Guideline LTV of 80% A |
| XXX | XXX | 20251172 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/01/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 811 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 58.82% is less than Guideline LTV of 85%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.82% is less than Guideline CLTV of 85% A |
| XXX | XXX | 20251172 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/01/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 811 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 58.82% is less than Guideline LTV of 85%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.82% is less than Guideline CLTV of 85% A |
| XXX | XXX | 20251172 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/01/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 811 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 58.82% is less than Guideline LTV of 85%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.82% is less than Guideline CLTV of 85% A |
| XXX | XXX | 20251182 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/03/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 762 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251182 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 762 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251182 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 762 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251170 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/01/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 768 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251170 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/01/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 768 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251170 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/01/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 768 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251187 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | A |
| XXX | XXX | 20251187 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | A |
| XXX | XXX | 20251190 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 735 is greater than Guideline minimum FICO of 720<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 56.65% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.65% is less than Guideline CLTV of 80% A |
| XXX | XXX | 20251190 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 735 is greater than Guideline minimum FICO of 720<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 56.65% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.65% is less than Guideline CLTV of 80% A |
| XXX | XXX | 20251190 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 735 is greater than Guideline minimum FICO of 720<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 56.65% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.65% is less than Guideline CLTV of 80% A |
| XXX | XXX | 20251127 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met. Exception downgraded. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 06/03/2025 | Borrower has stable job time - Borrower has 7.72 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 7.97% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 769 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251127 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/01/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 7.72 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 7.97% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 769 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251127 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/01/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 7.72 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 7.97% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 769 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251120 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 774 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 76.4% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.4% is less than Guideline CLTV of 90% A |
| XXX | XXX | 20251120 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 774 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 76.4% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.4% is less than Guideline CLTV of 90% A |
| XXX | XXX | 20251120 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 774 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 76.4% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.4% is less than Guideline CLTV of 90% A |
| XXX | XXX | 20251155 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 2.63 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Qualifying DTI below max allowed. - Calculated DTI of 25.9% is less than Guideline DTI of 55%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| XXX | XXX | 20251155 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 2.63 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Qualifying DTI below max allowed. - Calculated DTI of 25.9% is less than Guideline DTI of 55%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| XXX | XXX | 20251155 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 2.63 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Qualifying DTI below max allowed. - Calculated DTI of 25.9% is less than Guideline DTI of 55%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| XXX | XXX | 20251152 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 26.3% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 19.98 years on job. A |
| XXX | XXX | 20251152 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/01/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 26.3% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 19.98 years on job. A |
| XXX | XXX | 20251152 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/01/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 26.3% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 19.98 years on job. A |
| XXX | XXX | 20251149 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 12.15 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 20.3% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 782 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251149 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/01/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 12.15 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 20.3% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 782 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251149 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/01/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 12.15 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 20.3% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 782 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251150 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Qualifying DTI below max allowed. - Calculated DTI of 29.85% is less than Guideline DTI of 55%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 3.19 years on job. A |
| XXX | XXX | 20251150 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Qualifying DTI below max allowed. - Calculated DTI of 29.85% is less than Guideline DTI of 55%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 3.19 years on job. A |
| XXX | XXX | 20251150 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Qualifying DTI below max allowed. - Calculated DTI of 29.85% is less than Guideline DTI of 55%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 3.19 years on job. A |
| XXX | XXX | 20251153 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of XXX. Verified the following assets: XXX from checking in addition to XXX from stocks/bonds = XXX. Loan requires 6 months reserves = XXX. Funds needed for close were XXX. Verified receiving XXX to close = XXX short reserves. Asset grand total is XXX - XXX required to close = XXXX in available funds; however XXX is needed, thus creating the shortage of XXX. | Document Uploaded. | 06/04/2025 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of XXX. Received PCCD with corrected closing costs. Exception Resolved. | 07/14/2025 | Borrower has stable job time - Borrower has 40.42 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 781 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 10.29% is less than Guideline DTI of 50% A |
| XXX | XXX | 20251153 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 40.42 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 781 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 10.29% is less than Guideline DTI of 50% A |
| XXX | XXX | 20251153 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 40.42 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 781 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 10.29% is less than Guideline DTI of 50% A |
| XXX | XXX | 20251124 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 36.5% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 15.82 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 735 is greater than Guideline minimum FICO of 720 A |
| XXX | XXX | 20251124 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/01/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 36.5% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 15.82 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 735 is greater than Guideline minimum FICO of 720 A |
| XXX | XXX | 20251124 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/01/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 36.5% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 15.82 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 735 is greater than Guideline minimum FICO of 720 A |
| XXX | XXX | 20251180 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/02/2025 | Acknowledged | XXX | Credit | Borrower Contributions Do Not Met Guideline Minimum |  | EXCEPTION TO PERMIT LTV OF 75% WITH 25% GIFT DOWN PAYMENT. (0.01% LTV EXCEPTION)<br> BORROWER MET RESERVE REQUIREMENTS WITH THEIR OWN PERSONAL ASSETS.<br> GIFT FUNDS PERMITTED FOR ENTIRE DOWN PAYMENT UP TO 74.99% | 07/02/2025 | Document Uploaded. ; EXCEPTION TO PERMIT LTV OF 75% WITH 25% GIFT DOWN PAYMENT. (0.01% LTV EXCEPTION) based on comp factors of Credit: Twenty-four (24) months housing history reviewed with no late payments; Other: Qualifying FICO is greater than the guideline minimum by 100 points | 07/02/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 780 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% A |
| XXX | XXX | 20251180 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/01/2025 | Rescinded | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | C B A |
| XXX | XXX | 20251180 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/01/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 780 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% A |
| XXX | XXX | 20251180 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/01/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 780 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% A |
| XXX | XXX | 20251192 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/03/2025 | Resolved | XXX | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided Missing hazard insurance declaration page reflecting what the insurance protects against i.e. loss or damage from fire and other hazards covered by standard extended coverage endorsement, wind, civil commotion (including riots), smoke, hail. The loan file only contains the invoice and page that reflects coverage amount and mortgagee clause. | Document Uploaded. ; Document Uploaded. | 06/09/2025 | Documentation provided is sufficient. Exception resolved.; Hazard Insurance Policy is fully present; The policy should specifically state what the insurance policy protects against, to meet guidelines requirement. An updated policy is required. Exception remains. | 07/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 700 is greater than Guideline minimum FICO of 680 D A |
| XXX | XXX | 20251192 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/01/2025 | Resolved | XXX | Credit | Asset General | Gift letter was not executed by the Donor. | Document Uploaded. | 06/04/2025 | Documentation provided is sufficient. Exception resolved | 06/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 700 is greater than Guideline minimum FICO of 680 D A |
| XXX | XXX | 20251192 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/01/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 700 is greater than Guideline minimum FICO of 680 D A |
| XXX | XXX | 20251192 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/01/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 700 is greater than Guideline minimum FICO of 680 D A |
| XXX | XXX | 20251118 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | XXX | Credit | Borrower 1 Award Letter Missing | Borrower 1 Award Letter Missing for Social Security income utilized for qualification. | Document Uploaded. | 06/06/2025 | Borrower 1 Award Letter Provided; Documentation provided is sufficient. Exception resolved. | 07/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.5% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV of 80%<br>Borrower has stable job time - Borrower has 32.2 years on job. D A |
| XXX | XXX | 20251118 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Credit | Missing Letter of Explanation (Credit) | Missing LOE from the borrower explaining the situation that made the modification necessary. Borrower had a modification dated [Redacted] on the current mortgage. | Document Uploaded. | 06/13/2025 | Modification LOE provided and sufficient to resolve. Resolved. | 06/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.5% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV of 80%<br>Borrower has stable job time - Borrower has 32.2 years on job. D A |
| XXX | XXX | 20251118 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure Required. HPML Loan with established escrows and appraisal requirement met. Downgraded |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 06/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.5% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV of 80%<br>Borrower has stable job time - Borrower has 32.2 years on job. D A |
| XXX | XXX | 20251118 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | No Cure Required. HPML Loan with established escrows and appraisal requirement met. Downgraded. This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California 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 California Financial Code. While the California 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. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 06/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.5% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV of 80%<br>Borrower has stable job time - Borrower has 32.2 years on job. D A |
| XXX | XXX | 20251118 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.5% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV of 80%<br>Borrower has stable job time - Borrower has 32.2 years on job. D A |
| XXX | XXX | 20251158 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure Required. HPML Loan with established escrows and appraisal requirement met. Downgraded |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 06/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of 26% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 5.56 years on job. A |
| XXX | XXX | 20251158 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/01/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 26% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 5.56 years on job. A |
| XXX | XXX | 20251158 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/01/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 26% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 5.56 years on job. A |
| XXX | XXX | 20251162 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 37.96% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 9.38 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 795 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 66.4% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.4% is less than Guideline CLTV of 90% A |
| XXX | XXX | 20251162 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 37.96% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 9.38 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 795 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 66.4% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.4% is less than Guideline CLTV of 90% A |
| XXX | XXX | 20251162 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 37.96% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 9.38 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 795 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 66.4% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.4% is less than Guideline CLTV of 90% A |
| XXX | XXX | 20251132 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 10.24 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 12.3% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 736 is greater than Guideline minimum FICO of 720<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| XXX | XXX | 20251132 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/01/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 10.24 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 12.3% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 736 is greater than Guideline minimum FICO of 720<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| XXX | XXX | 20251132 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/01/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 10.24 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 12.3% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 736 is greater than Guideline minimum FICO of 720<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| XXX | XXX | 20251178 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 763 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251178 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 763 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251178 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 763 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251188 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Input address does not match the address associated with the APN. Fraud report reflects address as XXX vs Note reflects XXX | Document Uploaded. | 06/04/2025 | Documentation provided is sufficient. Exception resolved | 06/06/2025 | C A |
| XXX | XXX | 20251188 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Desk review reflects address as XXXX vs Note reflects XXXX. | Document Uploaded. | 06/04/2025 | Documentation provided is sufficient. Exception resolved | 06/06/2025 | C A |
| XXX | XXX | 20251188 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | C A |
| XXX | XXX | 20251156 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 21.75 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 718 is greater than Guideline minimum FICO of 700 A |
| XXX | XXX | 20251156 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/01/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 21.75 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 718 is greater than Guideline minimum FICO of 700 A |
| XXX | XXX | 20251156 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/01/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 21.75 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 718 is greater than Guideline minimum FICO of 700 A |
| XXX | XXX | 20251222 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Cured | XXX | Compliance | Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | Incorrect rescission model used - RTC form model H8 (New Creditor) used for Same Lender or Lender Affiliate Refinance The subject refinance transaction was paying off a prior loan from XXX (pg. 347-348), which matches the subject lender, and therefore, RTC form model H9 (Same Creditor) was required to be used.  | Document Uploaded. | 06/05/2025 | Cure package provided to borrower | 06/05/2025 | Borrower has stable job time - Borrower has 11.62 years on job. A |
| XXX | XXX | 20251222 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 11.62 years on job. A |
| XXX | XXX | 20251222 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 11.62 years on job. A |
| XXX | XXX | 20251223 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 4.1 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 723 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 40.94% is less than Guideline DTI of 55% A |
| XXX | XXX | 20251223 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 4.1 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 723 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 40.94% is less than Guideline DTI of 55% A |
| XXX | XXX | 20251223 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 4.1 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 723 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 40.94% is less than Guideline DTI of 55% A |
| XXX | XXX | 20251235 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/03/2025 | Resolved | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Purchase contract includes all furnishings, appraisal does not reflect the furnishings are included. Per lender guidelines: Any personal property transferred with a property sale must be deemed to have zero transfer value, as indicated by the sales contract and the appraisal. If any value is associated with the personal property, the sales price and appraised value must be reduced by the personal property value for purposes of calculating the LTV/CLTV/HCLTV. | Document Uploaded. | 06/05/2025 | Property/Appraisal Meets Guidelines; Explanation provided is sufficient. Exception resolved. | 07/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 778 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 54.93% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.93% is less than Guideline CLTV of 80% A |
| XXX | XXX | 20251235 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/03/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 778 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 54.93% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.93% is less than Guideline CLTV of 80% A |
| XXX | XXX | 20251235 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/03/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 778 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 54.93% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.93% is less than Guideline CLTV of 80% A |
| XXX | XXX | 20251230 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/04/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 39.7% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 44.31 years on job. A |
| XXX | XXX | 20251230 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/03/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 39.7% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 44.31 years on job. A |
| XXX | XXX | 20251230 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Curative | 06/03/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 39.7% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 44.31 years on job. A |
| XXX | XXX | 20251229 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 797 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 7.66 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 36.11% is less than Guideline DTI of 55%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| XXX | XXX | 20251229 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 797 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 7.66 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 36.11% is less than Guideline DTI of 55%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| XXX | XXX | 20251229 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 797 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 7.66 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 36.11% is less than Guideline DTI of 55%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| XXX | XXX | 20251238 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 738 is greater than Guideline minimum FICO of 720 A |
| XXX | XXX | 20251238 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 738 is greater than Guideline minimum FICO of 720 A |
| XXX | XXX | 20251238 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 738 is greater than Guideline minimum FICO of 720 A |
| XXX | XXX | 20251234 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 793 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 40.41% is less than Guideline DTI of 55% A |
| XXX | XXX | 20251234 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 793 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 40.41% is less than Guideline DTI of 55% A |
| XXX | XXX | 20251234 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 793 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 40.41% is less than Guideline DTI of 55% A |
| XXX | XXX | 20251228 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Qualifying DTI below max allowed. - Calculated DTI of 32.99% is less than Guideline DTI of 55%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Borrower has stable job time - Borrower has 10.18 years on job. A |
| XXX | XXX | 20251228 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Qualifying DTI below max allowed. - Calculated DTI of 32.99% is less than Guideline DTI of 55%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Borrower has stable job time - Borrower has 10.18 years on job. A |
| XXX | XXX | 20251228 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Qualifying DTI below max allowed. - Calculated DTI of 32.99% is less than Guideline DTI of 55%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Borrower has stable job time - Borrower has 10.18 years on job. A |
| XXX | XXX | 20251231 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Rescinded | XXX | Credit | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Per lender guidelines each borrower must include a minimum: Borrower does not have Two (2) tradelines reporting for 24 months with minimum 12 month history; or one (1) tradeline reporting within the last 24 months that shows a minimum 36 months; or a combined credit profile between borrower and co-borrower with a minimum of three (3) tradelines. All accounts are either authorized user or mortgage accounts which do not apply. | Document Uploaded. Active Tradeline met with [Redacated] | 06/11/2025 | Tradelines meets guidelines. Exception Rescinded.; Tradelines meet Guideline Requirements | 06/12/2025 | A |
| XXX | XXX | 20251231 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/07/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 774 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 51.28% is less than Guideline LTV of 75%<br>Borrower has stable job time - Borrower has 17.41 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 42.82% is less than Guideline DTI of 55%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.28% is less than Guideline CLTV of 75% A |
| XXX | XXX | 20251231 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 774 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 51.28% is less than Guideline LTV of 75%<br>Borrower has stable job time - Borrower has 17.41 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 42.82% is less than Guideline DTI of 55%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.28% is less than Guideline CLTV of 75% A |
| XXX | XXX | 20251232 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/08/2025 | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | 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 ($6,499.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($7,711.50). 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). TILA 130b Cure required. Refund in the amount of $1,212.50, cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The file is missing a valid COC to support the following Lender Credit reduction:<br>- The Lender Credit was reduced from $7,711.50 to $6,499.00 on the revised CD dated 5/29/2025.<br>The file contains a COC dated 5/23/2025, which stated "total credits not to exceed $6,499" with the listed reason as "Other." This is not a valid reason for the reduction in the Lender Credits. | Document Uploaded. | 06/11/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 06/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.87% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 13.42 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 769 is greater than Guideline minimum FICO of 740<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.87% is less than Guideline CLTV of 90% A |
| XXX | XXX | 20251232 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.87% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 13.42 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 769 is greater than Guideline minimum FICO of 740<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.87% is less than Guideline CLTV of 90% A |
| XXX | XXX | 20251232 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.87% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 13.42 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 769 is greater than Guideline minimum FICO of 740<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.87% is less than Guideline CLTV of 90% A |
| XXX | XXX | 20251236 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/08/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% A |
| XXX | XXX | 20251236 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/08/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% A |
| XXX | XXX | 20251236 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/08/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% A |
| XXX | XXX | 20251224 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/08/2025 | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $33967.41 are less than Guideline Required Reserves of $37398.48. The guidelines require an additional 12 months reserves. The borrowers have their prior home for sale but it has not sold yet. The lender excluded the monthly payment for this property from their DTI calculation, but the guidelines require an additional 12 months reserves if the appraisal for the departing residence indicates the marketing time is less than 6 months. | Please provide your reserve and cash to close calculations.; Document Uploaded. | 06/17/2025 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of XXX. Exception resolved.; The gift funds of XXX are not allowed to be considered to meet reserve requirements. They can only be applied to closing and therefore not part of total consideration for Asset reserves. Exception remains. | 07/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 37.88% is less than Guideline DTI of 55% A |
| XXX | XXX | 20251224 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $650.00.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). | Document Uploaded. ; Document Uploaded. ; Please clarify your cure amount. | 06/16/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved; Sorry, the cure amount is $650 for Appraisal Departing Fee, Cure package requires PCCD, LOE, copy of refund check, proof of delivery or valid COC required; TILA 130 Cure required, Refund in the amount of $720 for Appraisal Departing Fee, Cure package requires PCCD, LOE, copy of refund check, proof of delivery or valid coc. The COC in file does not contain a date the change in circumstance was required. COC indicates a need for a departing residence appraisal but no date was listed | 06/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 37.88% is less than Guideline DTI of 55% A |
| XXX | XXX | 20251224 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/08/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 37.88% is less than Guideline DTI of 55% A |
| XXX | XXX | 20251227 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 27.83% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 5.42 years on job. A |
| XXX | XXX | 20251227 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/08/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 27.83% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 5.42 years on job. A |
| XXX | XXX | 20251227 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/08/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 27.83% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 5.42 years on job. A |
| XXX | XXX | 20251239 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.2% is less than Guideline LTV of 75%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 815 is greater than Guideline minimum FICO of 740<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.2% is less than Guideline CLTV of 75% A |
| XXX | XXX | 20251239 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.2% is less than Guideline LTV of 75%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 815 is greater than Guideline minimum FICO of 740<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.2% is less than Guideline CLTV of 75% A |
| XXX | XXX | 20251226 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/10/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 19.23 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 21.83% is less than Guideline DTI of 50% A |
| XXX | XXX | 20251226 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 19.23 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 21.83% is less than Guideline DTI of 50% A |
| XXX | XXX | 20251226 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 19.23 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 21.83% is less than Guideline DTI of 50% A |
| XXX | XXX | 20251225 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/10/2025 | Rescinded | XXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ([Redacted]) is insufficient, not meeting the required coverage amount of ([Redacted]). The Replacement Cost Estimate reflects the reconstruction cost with debris removal is[Redacted], but the policy only reflects [Redacted] of coverage and does state policy provides replacement cost coverage, but no evidence of the amount of replacement cost coverage, to determine if its sufficient to cover the [Redacted]. | Document Uploaded. | 06/11/2025 | Cost of new on appraisal is [Redacted]. HOI sufficient. Exception Rescinded.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; The hazard insurance dwelling coverage of ([Redacted]) is insufficient, not meeting the required coverage amount of ($[Redacted]). | 06/12/2025 | A |
| XXX | XXX | 20251225 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2025 | Rescinded | XXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage or verification that loss of use also includes rent loss. | Document Uploaded. | 06/11/2025 | Rent loss is on HOI. Exception rescinded.; Rent Loss Coverage Present | 06/12/2025 | A |
| XXX | XXX | 20251225 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 8.33 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 38.84% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 805 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251225 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 8.33 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 38.84% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 805 is greater than Guideline minimum FICO of 740 A |
| XXX | XXX | 20251233 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/10/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 26.7% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 9.67 years on job. A |
| XXX | XXX | 20251233 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 26.7% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 9.67 years on job. A |
| XXX | XXX | 20251233 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 26.7% is less than Guideline DTI of 55%<br>Borrower has stable job time - Borrower has 9.67 years on job. A |

---

## Exhibit 99.16

[GCAT Depositor vi llcabs-15g](gcat2025-abs15g.htm)

**Exhibit 99.16**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **ALT ID** | **Marketing ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXX | XXX | 20251100 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXX | XXX | 20251165 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 57.32 | 57.32 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXX | XXX | 20251186 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.25 | 74.25 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| XXX | XXX | 20251135 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXX | XXX | 20251174 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 34.48 | 34.48 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.3 |  |
| XXX | XXX | 20251147 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| XXX | XXX | 20251146 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| XXX | XXX | 20251157 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.58 | 50.58 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXX | XXX | 20251167 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 45.92 | 45.92 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXX | XXX | 20251154 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| XXX | XXX | 20251144 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXX | XXX | 20251130 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| XXX | XXX | 20251116 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXX | XXX | 20251139 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXX | XXX | 20251171 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXX | XXX | 20251142 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| XXX | XXX | 20251134 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.47 | 57.47 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0345 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0345 | XXX | Adequate | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| XXX | XXX | 20251181 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXX | XXX | 20251163 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXX | XXX | 20251185 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXX | XXX | 20251166 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| XXX | XXX | 20251126 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| XXX | XXX | 20251129 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| XXX | XXX | 20251119 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0361 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| XXX | XXX | 20251140 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXX | XXX | 20251183 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 37.04 | 37.04 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| XXX | XXX | 20251137 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.8 |  |
| XXX | XXX | 20251143 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXX | XXX | 20251169 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 48.76 | 48.76 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXX | XXX | 20251138 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| XXX | XXX | 20251151 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXX | XXX | 20251184 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| XXX | XXX | 20251122 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 84.99 | 84.99 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| XXX | XXX | 20251176 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.99 | 68.99 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXX | XXX | 20251168 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| XXX | XXX | 20251133 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXX | XXX | 20251160 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXX | XXX | 20251131 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.85 | 60.85 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXX | XXX | 20251191 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 64.78 | 64.78 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXX | XXX | 20251161 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXX | XXX | 20251145 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| XXX | XXX | 20251128 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.83 | 62.83 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| XXX | XXX | 20251173 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 46.27 | 46.27 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXX | XXX | 20251172 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.82 | 58.82 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXX | XXX | 20251182 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 73.91 | 73.91 | $XXX | $XXX | -.0064 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.006 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| XXX | XXX | 20251170 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| XXX | XXX | 20251187 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.7 | 74.7 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXX | XXX | 20251190 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 56.65 | 56.65 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXX | XXX | 20251127 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| XXX | XXX | 20251120 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.4 | 76.4 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| XXX | XXX | 20251155 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| XXX | XXX | 20251152 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXX | XXX | 20251149 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| XXX | XXX | 20251150 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXX | XXX | 20251153 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXX | XXX | 20251124 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| XXX | XXX | 20251180 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| XXX | XXX | 20251192 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| XXX | XXX | 20251118 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 62.5 | 62.5 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| XXX | XXX | 20251158 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| XXX | XXX | 20251162 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.4 | 66.4 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| XXX | XXX | 20251132 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXX | XXX | 20251178 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| XXX | XXX | 20251188 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXX | XXX | 20251156 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| XXX | XXX | 20251222 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.57 | 69.57 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| XXX | XXX | 20251223 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.95 | 78.95 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0132 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX | $XXX | 1.31% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| XXX | XXX | 20251235 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.93 | 54.93 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| XXX | XXX | 20251230 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.4 | 68.4 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| XXX | XXX | 20251229 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXX | XXX | 20251238 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXX | XXX | 20251234 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| XXX | XXX | 20251228 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| XXX | XXX | 20251231 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 51.28 | 51.28 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| XXX | XXX | 20251232 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 51.87 | 51.87 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXX | XXX | 20251236 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXX | XXX | 20251224 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXX | XXX | 20251227 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXX | XXX | 20251239 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 33.2 | 33.2 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| XXX | XXX | 20251226 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXX | XXX | 20251225 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| XXX | XXX | 20251233 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |

---

## Exhibit 99.17

[GCAT Depositor vi llcabs-15g](gcat2025-abs15g.htm)

**Exhibit 99.17**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **ALT ID** | **Marketing ID** | **Original Loan Amount** |
| XXX | XXX | 20251100 | $XXXXXX A |
| XXX | XXX | 20251165 | $XXXXXX D A |
| XXX | XXX | 20251186 | $XXXXXX B A |
| XXX | XXX | 20251135 | $XXXXXX A B |
| XXX | XXX | 20251174 | $XXXXXX A |
| XXX | XXX | 20251147 | $XXXXXX C A |
| XXX | XXX | 20251146 | $XXXXXX A |
| XXX | XXX | 20251157 | $XXXXXX A |
| XXX | XXX | 20251167 | $XXXXXX A |
| XXX | XXX | 20251154 | $XXXXXX A |
| XXX | XXX | 20251144 | $XXXXXX A |
| XXX | XXX | 20251130 | $XXXXXX C A |
| XXX | XXX | 20251116 | $XXXXXX A C |
| XXX | XXX | 20251139 | $XXXXXX A |
| XXX | XXX | 20251171 | $XXXXXX A |
| XXX | XXX | 20251142 | $XXXXXX A |
| XXX | XXX | 20251134 | $XXXXXX A C |
| XXX | XXX | 20251181 | $XXXXXX D A |
| XXX | XXX | 20251163 | $XXXXXX A |
| XXX | XXX | 20251185 | $XXXXXX A |
| XXX | XXX | 20251166 | $XXXXXX A |
| XXX | XXX | 20251126 | $XXXXXX A |
| XXX | XXX | 20251129 | $XXXXXX A |
| XXX | XXX | 20251119 | $XXXXXX A |
| XXX | XXX | 20251140 | $XXXXXX A |
| XXX | XXX | 20251183 | $XXXXXX D A |
| XXX | XXX | 20251137 | $XXXXXX A |
| XXX | XXX | 20251143 | $XXXXXX A |
| XXX | XXX | 20251169 | $XXXXXX D A |
| XXX | XXX | 20251138 | $XXXXXX A |
| XXX | XXX | 20251151 | $XXXXXX C A |
| XXX | XXX | 20251184 | $XXXXXX A |
| XXX | XXX | 20251122 | $XXXXXX A C |
| XXX | XXX | 20251176 | $XXXXXX A |
| XXX | XXX | 20251168 | $XXXXXX A |
| XXX | XXX | 20251133 | $XXXXXX A |
| XXX | XXX | 20251160 | $XXXXXX A |
| XXX | XXX | 20251131 | $XXXXXX A |
| XXX | XXX | 20251191 | $XXXXXX A |
| XXX | XXX | 20251161 | $XXXXXX C A |
| XXX | XXX | 20251145 | $XXXXXX A |
| XXX | XXX | 20251128 | $XXXXXX A |
| XXX | XXX | 20251173 | $XXXXXX A |
| XXX | XXX | 20251172 | $XXXXXX A |
| XXX | XXX | 20251182 | $XXXXXX A |
| XXX | XXX | 20251170 | $XXXXXX A |
| XXX | XXX | 20251187 | $XXXXXX A |
| XXX | XXX | 20251190 | $XXXXXX A |
| XXX | XXX | 20251127 | $XXXXXX A |
| XXX | XXX | 20251120 | $XXXXXX A |
| XXX | XXX | 20251155 | $XXXXXX A |
| XXX | XXX | 20251152 | $XXXXXX A |
| XXX | XXX | 20251149 | $XXXXXX A |
| XXX | XXX | 20251150 | $XXXXXX A |
| XXX | XXX | 20251153 | $XXXXXX C A |
| XXX | XXX | 20251124 | $XXXXXX A |
| XXX | XXX | 20251180 | $XXXXXX C A B |
| XXX | XXX | 20251192 | $XXXXXX D A |
| XXX | XXX | 20251118 | $XXXXXX D A |
| XXX | XXX | 20251158 | $XXXXXX A |
| XXX | XXX | 20251162 | $XXXXXX A |
| XXX | XXX | 20251132 | $XXXXXX A |
| XXX | XXX | 20251178 | $XXXXXX A |
| XXX | XXX | 20251188 | $XXXXXX C A |
| XXX | XXX | 20251156 | $XXXXXX A |
| XXX | XXX | 20251222 | $XXXXXX A B |
| XXX | XXX | 20251223 | $XXXXXX A |
| XXX | XXX | 20251235 | $XXXXXX A C |
| XXX | XXX | 20251230 | $XXXXXX A |
| XXX | XXX | 20251229 | $XXXXXX A |
| XXX | XXX | 20251238 | $XXXXXX A |
| XXX | XXX | 20251234 | $XXXXXX A |
| XXX | XXX | 20251228 | $XXXXXX A |
| XXX | XXX | 20251231 | $XXXXXX A |
| XXX | XXX | 20251232 | $XXXXXX A C |
| XXX | XXX | 20251236 | $XXXXXX A |
| XXX | XXX | 20251224 | $XXXXXX C A |
| XXX | XXX | 20251227 | $XXXXXX A |
| XXX | XXX | 20251239 | $XXXXXX A |
| XXX | XXX | 20251226 | $XXXXXX A |
| XXX | XXX | 20251225 | $XXXXXX A |
| XXX | XXX | 20251233 | $XXXXXX A |

---

## Exhibit 99.18

[GCAT Depositor vi llcabs-15g](gcat2025-abs15g.htm)

**Exhibit 99.18**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **ALT ID** | **Marketing ID** | **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** |
| XXX | XXX | 20251100 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | Audited | XXX | Yes | No | 60 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251165 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251186 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX | XXXXX |  | XXXXX |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  | 0 |  |  | 1 - Not Stated, Not Verified |  | 1 - Not Stated, Not Verified |  | XXX | XXX | No |  | XXX | 796 | 805 | 807 |  |  |  | XXX | XXX | US Citizen |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | 3 - Verified<2Mos |  | $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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251135 | 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 | 12 |  |  |  |  |  |  | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251174 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 | Warrantable | XXX | XXX |
| XXX | XXX | 20251147 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | Third-Party Prepared (Unaudited) | XXX | Yes | No | 24 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251146 | 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 |  | 12 |  | XXX |  |  |  | Yes | Yes | 39 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251157 | 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 |  |  |  |  |  |  | XXX |  | Audited | XXX | Yes | No | 120 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251167 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251154 | 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) | Yes | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251144 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | Yes | 48 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251130 | 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 |  | 12 |  | XXX |  |  |  | Yes | Yes | 36 | Yes | 31 | 1 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251116 | 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 |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  |  | XXX | Third-Party Prepared (Unaudited) | XXX | Yes | No | 48 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251139 | 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 |  |  |  |  |  |  | XXX |  | Audited | XXX | Yes | No | 58 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251171 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251142 | 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 |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 1 | 1 | No | 0 | 1 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251134 | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Curative | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | Audited | XXX | Yes | No | 24 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251181 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251163 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251185 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251166 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251126 | 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 |  | 12 |  | XXX |  |  |  | Yes | Yes | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251129 | 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 |  | 12 |  | XXX |  |  |  | Yes | Yes | 25 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251119 | 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 |  |  |  |  |  |  | XXX |  | Audited | XXX | Yes | No | 24 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251140 | 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 |  |  |  |  |  |  | XXX |  | Third-Party Prepared (Unaudited) | XXX | Yes | No | 66 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 | Warrantable | XXX | XXX |
| XXX | XXX | 20251183 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251137 | 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 |  |  |  |  |  |  | XXX |  | Third-Party Prepared (Unaudited) | XXX | Yes | No | 36 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251143 | 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 |  |  |  |  |  |  | XXX |  | Audited | XXX | Yes | No | 12 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251169 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251138 | 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 |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251151 | 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 |  | 12 |  | XXX |  |  |  | Yes | Yes | 12 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251184 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 | Warrantable | XXX | XXX |
| XXX | XXX | 20251122 | 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 |  |  |  | 2YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | Third-Party Prepared (Unaudited) | XXX | Yes | No | 108 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251176 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251168 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251133 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 1 | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251160 | 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 | 12 |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251131 | 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 – Total Asset Calculation | No | yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251191 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251161 | 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 | No | yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251145 | 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 |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 45 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251128 | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Curative | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion | No | yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251173 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251172 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251182 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 | Warrantable | XXX | XXX |
| XXX | XXX | 20251170 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251187 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251190 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX | XXXXX |  | XXXXX | XXXXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | XXX | XXX | No | No | XXX | 813 | 820 | 812 | 791 | 790 | 753 | XXX | XXX | US Citizen | US Citizen | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | 3 - Verified<2Mos | 1 - Not Stated Not Verified | $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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251127 | 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 |  | 12 |  | XXX |  |  |  | Yes | Yes | 93 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251120 | 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 |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  |  | XXX | Audited | XXX | Yes | No | 24 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251155 | 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 |  |  | 12 | XXX |  |  |  | Yes | Yes | 31 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251152 | 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 |  | 12 |  | XXX |  |  |  | Yes | Yes | 24 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX |  |
| XXX | XXX | 20251149 | 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 |  | 12 |  | XXX |  |  |  | No | Yes | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251150 | 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 |  | 12 |  | XXX |  |  |  | Yes | Yes | 31 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251153 | 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 |  | 12 |  | XXX |  |  |  | Yes | Yes | 85 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251124 | 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 | 12 |  |  | XXX |  |  |  | Yes | No | 24 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251180 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251192 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed 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 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 | Warrantable | XXX | XXX |
| XXX | XXX | 20251118 | 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 |  |  |  |  |  |  | XXX |  | Third-Party Prepared (Unaudited) | XXX | Yes | No | 282 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 1 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 | Warrantable | XXX | XXX |
| XXX | XXX | 20251158 | 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 | 12 |  |  | XXX |  |  |  | Yes | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251162 | 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 |  | 12 |  | XXX |  |  |  | Yes | Yes | 111 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251132 | 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 |  | 12 |  | XXX |  |  |  | Yes | Yes | 121 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251178 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251188 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251156 | 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 | 12 |  |  | XXX |  |  |  | Yes | No | 260 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251222 |  | 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 |  |  |  |  |  |  | XXX |  | Third-Party Prepared (Unaudited) | XXX | Yes | No | 29 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251223 | 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 |  | 12 |  | XXX |  |  |  | Yes | Yes | 24 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251235 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251230 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Curative | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | Third-Party Prepared (Unaudited) | XXX | Yes | No | 24 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251229 | 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 | 12 |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251238 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251234 | 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 | No | yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251228 | 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 |  | 12 |  | XXX |  |  |  | Yes | Yes | 36 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251231 | 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 |  |  |  |  |  |  | XXX |  | Third-Party Prepared (Unaudited) | XXX | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251232 | 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 |  |  |  |  |  |  | XXX |  | Audited | XXX | Yes | No | 156 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251236 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251224 | 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 | Personal | 100.00 | 12 |  |  | XXX | XXX |  |  | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251227 | 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 |  | 12 |  | XXX |  |  |  | Yes | Yes | 60 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251239 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251226 | 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 |  | 12 |  | XXX |  |  |  | No | Yes | 0 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251225 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX |  |  |  | Yes | Yes | 60 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| XXX | XXX | 20251233 | 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 |  |  |  |  |  |  | XXX |  | Audited | XXX | Yes | No | 24 | No | 0 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |

---

## Exhibit 99.19

[GCAT Depositor vi llcabs-15g](gcat2025-abs15g.htm)

**Exhibit 99.19**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **ALT ID** | **Marketing ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXX | XXX | 20251100 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Rounding |
| XXX | XXX | 20251100 | Total Qualified Assets Available | $XXX | $XXX | Per asset statement minus reserves |
| XXX | XXX | 20251100 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per desk review |
| XXX | XXX | 20251165 | Originator Doc Type | $XXX | $XXX | Per Loan Approval |
| XXX | XXX | 20251165 | Reviewed Appraised Property Value | $XXX | $XXX | Per Enhance Desk Review |
| XXX | XXX | 20251165 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per cash out and subject housing expense |
| XXX | XXX | 20251165 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per required liability documentation |
| XXX | XXX | 20251186 | Originator Doc Type | $XXX | $XXX | Coding. |
| XXX | XXX | 20251186 | Total Qualified Assets Available | $XXX | $XXX | Does not include equity. |
| XXX | XXX | 20251186 | Total Liquid Assets Available For Close | $XXX | $XXX | Assets as documented in the loan file. |
| XXX | XXX | 20251186 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Assets as documented in the loan file. |
| XXX | XXX | 20251186 | Qualifying Total Monthly Liabilities | $XXX | $XXX | DSCR does not require REO to be completed. |
| XXX | XXX | 20251186 | Borrower Appraisal Receipt Date | $XXX | $XXX | Data entry. |
| XXX | XXX | 20251135 | Originator Doc Type | $XXX | $XXX | Doc type selected from drop down. |
| XXX | XXX | 20251135 | Cash out Include Debt Paid at Close | $XXX | $XXX | Cash-out debt verified. |
| XXX | XXX | 20251135 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Reserves verified. |
| XXX | XXX | 20251135 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Liabilities verified via credit report. |
| XXX | XXX | 20251135 | Borrower Appraisal Receipt Date | $XXX | $XXX | Appraisal receipt date verified. |
| XXX | XXX | 20251174 | Originator Doc Type | $XXX | $XXX | Loan was approved under the DSCR program |
| XXX | XXX | 20251174 | Cash out Include Debt Paid at Close | $XXX | $XXX | Per final CD |
| XXX | XXX | 20251174 | Cash Disbursement Date | $XXX | $XXX | Per final CD |
| XXX | XXX | 20251174 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per cash out proceeds from final CD |
| XXX | XXX | 20251174 | Borrower Appraisal Receipt Date | $XXX | $XXX | \*\* Credit UW does not have access to this screen |
| XXX | XXX | 20251147 | Borrower 1 Qualifying Income | $XXX | $XXX | Per P&L statement. Borrower is 50% owner. |
| XXX | XXX | 20251147 | Originator Doc Type | $XXX | $XXX | Mapping issue |
| XXX | XXX | 20251147 | Cash out Include Debt Paid at Close | $XXX | $XXX | Audit data based on cash back received at closing per final CD |
| XXX | XXX | 20251147 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Guidelines allow cash out proceeds to be used for Reserves. Audit data is based on cash back at closing. |
| XXX | XXX | 20251147 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Audit is using the same debt figures noted on the final 1003. |
| XXX | XXX | 20251147 | Borrower Appraisal Receipt Date | $XXX | $XXX | \*\* Compliance team to review |
| XXX | XXX | 20251146 | Borrower 1 Total Years Employment/Self-Employment Verified | $XXX | $XXX | Per loan approval |
| XXX | XXX | 20251146 | Originator Doc Type | $XXX | $XXX | Per loan approval |
| XXX | XXX | 20251146 | Cash out Include Debt Paid at Close | $XXX | $XXX | Per final CD |
| XXX | XXX | 20251146 | Total Qualified Assets Available | $XXX | $XXX | Per asset statements minus reserves |
| XXX | XXX | 20251146 | Total Liquid Assets Available For Close | $XXX | $XXX | Per asset statements minus reserves |
| XXX | XXX | 20251146 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per asset statements |
| XXX | XXX | 20251146 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per desk review |
| XXX | XXX | 20251157 | Originator Doc Type | $XXX | $XXX | Per Deal Guidance and Loan Approval |
| XXX | XXX | 20251157 | Cash Disbursement Date | $XXX | $XXX | Per Final CD |
| XXX | XXX | 20251157 | Total Liquid Assets Available For Close | $XXX | $XXX | Per Bank Statement most recent balance |
| XXX | XXX | 20251157 | Total Qualified Assets Available | $XXX | $XXX | Per Bank Statement most recent balance |
| XXX | XXX | 20251157 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per Bank Statement most recent balance |
| XXX | XXX | 20251157 | Borrower Appraisal Receipt Date | $XXX | $XXX | Credit UW does not have access to Receipt Entry in LM |
| XXX | XXX | 20251167 | Originator Doc Type | $XXX | $XXX | Per loan approval |
| XXX | XXX | 20251167 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per final CD, cash out used for reserves |
| XXX | XXX | 20251167 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per liabilities from credit report |
| XXX | XXX | 20251167 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per desk review |
| XXX | XXX | 20251154 | Loan Purpose | $XXX | $XXX | Per loan approval, delayed financing |
| XXX | XXX | 20251154 | Originator Doc Type | $XXX | $XXX | Per loan approval |
| XXX | XXX | 20251154 | Total Liquid Assets Available For Close | $XXX | $XXX | Per asset statements minus reserves and line of credit |
| XXX | XXX | 20251154 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Rounding |
| XXX | XXX | 20251154 | Total Qualified Assets Available | $XXX | $XXX | Per asset statements minus reserves and line of credit |
| XXX | XXX | 20251154 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per desk review |
| XXX | XXX | 20251144 | Originator Doc Type | $XXX | $XXX | Doc type selected from drop down. |
| XXX | XXX | 20251144 | Borrower 1 Total Years Employment/Self-Employment Verified | $XXX | $XXX | Employment years verified via CPA. |
| XXX | XXX | 20251144 | Cash Disbursement Date | $XXX | $XXX | Disbursement date verified from final CD. |
| XXX | XXX | 20251144 | Total Qualified Assets Available | $XXX | $XXX | Assets verified via asset docs. |
| XXX | XXX | 20251144 | Total Liquid Assets Available For Close | $XXX | $XXX | Assets verified via asset docs. |
| XXX | XXX | 20251144 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Reserves verified. |
| XXX | XXX | 20251144 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Liabilities verified via credit report and REO. |
| XXX | XXX | 20251144 | Borrower Appraisal Receipt Date | $XXX | $XXX | Appraisal receipt date verified. |
| XXX | XXX | 20251130 | Originator Doc Type | $XXX | $XXX | Coding. |
| XXX | XXX | 20251130 | Total Qualified Assets Available | $XXX | $XXX | Does not include the EM $10000. |
| XXX | XXX | 20251130 | Total Liquid Assets Available For Close | $XXX | $XXX | Rounding. |
| XXX | XXX | 20251130 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Assets as documented in the loan file. |
| XXX | XXX | 20251130 | Borrower Appraisal Receipt Date | $XXX | $XXX | Data entry. |
| XXX | XXX | 20251116 | Originator Doc Type | $XXX | $XXX | Per approval |
| XXX | XXX | 20251116 | Qualifying FICO | $XXX | $XXX | Per credit docs |
| XXX | XXX | 20251116 | Cash Disbursement Date | $XXX | $XXX | Per CD |
| XXX | XXX | 20251116 | Total Liquid Assets Available For Close | $XXX | $XXX | Per asset docs |
| XXX | XXX | 20251116 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per asset docs |
| XXX | XXX | 20251116 | Total Qualified Assets Available | $XXX | $XXX | Per asset docs |
| XXX | XXX | 20251116 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per credit docs |
| XXX | XXX | 20251116 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per appraisal receipt |
| XXX | XXX | 20251139 | Originator Doc Type | $XXX | $XXX | Per Loan Approval |
| XXX | XXX | 20251139 | Cash Disbursement Date | $XXX | $XXX | Per Final CD |
| XXX | XXX | 20251139 | Total Liquid Assets Available For Close | $XXX | $XXX | Per asset documentation |
| XXX | XXX | 20251139 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per asset documentation and housing expense |
| XXX | XXX | 20251139 | Total Qualified Assets Available | $XXX | $XXX | Per asset documentation |
| XXX | XXX | 20251139 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per liability documentation |
| XXX | XXX | 20251139 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per Appraisal Receipt Disclosure |
| XXX | XXX | 20251171 | Originator Doc Type | $XXX | $XXX | Per approval |
| XXX | XXX | 20251171 | Total Liquid Assets Available For Close | $XXX | $XXX | Per asset docs |
| XXX | XXX | 20251171 | Total Qualified Assets Available | $XXX | $XXX | Per asset docs |
| XXX | XXX | 20251171 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per asset docs |
| XXX | XXX | 20251171 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per credit docs |
| XXX | XXX | 20251171 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per appraisal receipt |
| XXX | XXX | 20251142 | Originator Doc Type | $XXX | $XXX | Doc type selected from drop down. |
| XXX | XXX | 20251142 | Qualifying FICO | $XXX | $XXX | FICO score verified for Primary Wage earner middle score. |
| XXX | XXX | 20251142 | Total Qualified Assets Available | $XXX | $XXX | Liquid assets verified via asset docs. |
| XXX | XXX | 20251142 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Reserves verified. |
| XXX | XXX | 20251142 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Liabilities verified. |
| XXX | XXX | 20251142 | Borrower Appraisal Receipt Date | $XXX | $XXX | Appraisal receipt date verified. |
| XXX | XXX | 20251134 | Qualifying Monthly P&I Amount | $XXX | $XXX | Per note/guidelines |
| XXX | XXX | 20251134 | Borrower 1 Qualifying Income | $XXX | $XXX | Per income docs |
| XXX | XXX | 20251134 | Originator Doc Type | $XXX | $XXX | Per approval |
| XXX | XXX | 20251134 | Cash out Include Debt Paid at Close | $XXX | $XXX | Per CD |
| XXX | XXX | 20251134 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per CD |
| XXX | XXX | 20251134 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per credit docs |
| XXX | XXX | 20251134 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per appraisal receipt |
| XXX | XXX | 20251181 | Originator Doc Type | $XXX | $XXX | Per Loan Approval |
| XXX | XXX | 20251181 | Total Qualified Assets Available | $XXX | $XXX | Per asset documentation |
| XXX | XXX | 20251181 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per asset documentation and subject housing expense |
| XXX | XXX | 20251181 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per liability documentation |
| XXX | XXX | 20251181 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per Appraisal Receipt Disclosure |
| XXX | XXX | 20251163 | Originator Doc Type | $XXX | $XXX | Doc type selected from drop down. |
| XXX | XXX | 20251163 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Reserves verified. |
| XXX | XXX | 20251163 | Total Qualified Assets Available | $XXX | $XXX | Assets verified via asset docs. |
| XXX | XXX | 20251163 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Liabilities verified. |
| XXX | XXX | 20251163 | Borrower Appraisal Receipt Date | $XXX | $XXX | Appraisal receipt date verified. |
| XXX | XXX | 20251185 | Originator Doc Type | $XXX | $XXX | Per approval |
| XXX | XXX | 20251185 | Total Qualified Assets Available | $XXX | $XXX | Per asset docs |
| XXX | XXX | 20251185 | Total Liquid Assets Available For Close | $XXX | $XXX | Per asset docs |
| XXX | XXX | 20251185 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per asset docs |
| XXX | XXX | 20251185 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per credit docs |
| XXX | XXX | 20251185 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per appraisal receipt |
| XXX | XXX | 20251166 | Originator Doc Type | $XXX | $XXX | Per loan approval |
| XXX | XXX | 20251166 | Total Qualified Assets Available | $XXX | $XXX | Per asset statements minus reserves |
| XXX | XXX | 20251166 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per asset statements minus reserves |
| XXX | XXX | 20251166 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per liabilities from credit report |
| XXX | XXX | 20251166 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per desk review |
| XXX | XXX | 20251126 | Borrower 1 FTHB | $XXX | $XXX | Per 1003 |
| XXX | XXX | 20251126 | Originator Doc Type | $XXX | $XXX | Per loan approval |
| XXX | XXX | 20251126 | Total Liquid Assets Available For Close | $XXX | $XXX | Rounding |
| XXX | XXX | 20251126 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per asset statements minus reserves |
| XXX | XXX | 20251126 | Total Qualified Assets Available | $XXX | $XXX | Per asset statements minus reserves |
| XXX | XXX | 20251126 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Rounding |
| XXX | XXX | 20251126 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per desk review |
| XXX | XXX | 20251129 | Originator Doc Type | $XXX | $XXX | Per Loan Approval |
| XXX | XXX | 20251129 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per asset documentation and housing expense |
| XXX | XXX | 20251129 | Total Liquid Assets Available For Close | $XXX | $XXX | Per asset documentation, including business asset account |
| XXX | XXX | 20251129 | Total Qualified Assets Available | $XXX | $XXX | Per asset documentation, including business asset account |
| XXX | XXX | 20251129 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per Liability Documentation |
| XXX | XXX | 20251119 | Originator Doc Type | $XXX | $XXX | Doc type selected from drop down. |
| XXX | XXX | 20251119 | Total Qualified Assets Available | $XXX | $XXX | Assets verified via asset docs. |
| XXX | XXX | 20251119 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Reserves verified. |
| XXX | XXX | 20251119 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Liabilities verified via credit report. |
| XXX | XXX | 20251119 | Borrower Appraisal Receipt Date | $XXX | $XXX | Appraisal receipt date verified. |
| XXX | XXX | 20251140 | Originator Doc Type | $XXX | $XXX | Per approval |
| XXX | XXX | 20251140 | Borrower 1 Qualifying Income | $XXX | $XXX | Per income docs |
| XXX | XXX | 20251140 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per asset docs |
| XXX | XXX | 20251140 | Total Qualified Assets Available | $XXX | $XXX | Per asset docs |
| XXX | XXX | 20251140 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per appraisal receipt |
| XXX | XXX | 20251183 | Originator Doc Type | $XXX | $XXX | Per Loan Approval |
| XXX | XXX | 20251183 | Cash out Include Debt Paid at Close | $XXX | $XXX | Per Final CD |
| XXX | XXX | 20251183 | Cash Disbursement Date | $XXX | $XXX | Per Final CD |
| XXX | XXX | 20251183 | Total Liquid Assets Available For Close | $XXX | $XXX | Per asset documentation, excluding cash out amount |
| XXX | XXX | 20251183 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per asset documentation and subject housing expense |
| XXX | XXX | 20251183 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per required liability documentation |
| XXX | XXX | 20251183 | Calculated DSCR | $XXX | $XXX | Rounding |
| XXX | XXX | 20251183 | Lock Term (Days) | $XXX | $XXX | Per Lock Form |
| XXX | XXX | 20251183 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per Appraisal Receipt Disclosure |
| XXX | XXX | 20251137 | Originator Doc Type | $XXX | $XXX | Mapping issue |
| XXX | XXX | 20251137 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Audit data is based on asset statements in file. |
| XXX | XXX | 20251137 | Total Qualified Assets Available | $XXX | $XXX | Audit data is based on asset statements in file. |
| XXX | XXX | 20251137 | Total Liquid Assets Available For Close | $XXX | $XXX | Audit data is based on asset statements in file. |
| XXX | XXX | 20251137 | Borrower Appraisal Receipt Date | $XXX | $XXX | \*\*Compliance team to review |
| XXX | XXX | 20251143 | Borrower 1 Total Years Employment/Self-Employment Verified | $XXX | $XXX | Per Business License and Filing Information |
| XXX | XXX | 20251143 | Originator Doc Type | $XXX | $XXX | Per Deal Guidance, for Change Mortgage Loan Program and the XXX Equivalent |
| XXX | XXX | 20251143 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per Asset Statements and Rounding |
| XXX | XXX | 20251143 | Total Liquid Assets Available For Close | $XXX | $XXX | Per Asset Statements not including Stocks |
| XXX | XXX | 20251143 | Total Qualified Assets Available | $XXX | $XXX | Per Asset Statements including Stocks |
| XXX | XXX | 20251143 | Borrower Appraisal Receipt Date | $XXX | $XXX | Credit UW does not have access to Receipt Entry in LM |
| XXX | XXX | 20251169 | Borrower 1 Citizen | $XXX | $XXX | Borrower is a permanent resident alien per the final loan application and Processor's cert. |
| XXX | XXX | 20251169 | Originator Doc Type | $XXX | $XXX | Loan was approved under the DSCR program. |
| XXX | XXX | 20251169 | Total Qualified Assets Available | $XXX | $XXX | Audit data is based on asset statements in file. |
| XXX | XXX | 20251169 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Audit data is based on asset statements in file. |
| XXX | XXX | 20251169 | Total Liquid Assets Available For Close | $XXX | $XXX | Audit data is based on asset statements in file. |
| XXX | XXX | 20251169 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Loan is DSCR. The additional REO debt is not required for this scope. |
| XXX | XXX | 20251169 | Borrower Appraisal Receipt Date | $XXX | $XXX | \*\*Compliance team to review. |
| XXX | XXX | 20251138 | Originator Doc Type | $XXX | $XXX | Coding. |
| XXX | XXX | 20251138 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Assets as documented in the loan file. |
| XXX | XXX | 20251138 | Total Qualified Assets Available | $XXX | $XXX | Does not include equity. |
| XXX | XXX | 20251138 | Qualifying Total Monthly Liabilities | $XXX | $XXX | REO section not required. |
| XXX | XXX | 20251138 | Borrower Appraisal Receipt Date | $XXX | $XXX | Data entry. |
| XXX | XXX | 20251151 | Borrower 1 Qualifying Income | $XXX | $XXX | Per income docs |
| XXX | XXX | 20251151 | Borrower 1 Total Years Employment/Self-Employment Verified | $XXX | $XXX | Per income docs |
| XXX | XXX | 20251151 | Borrower 2 Qualifying Income | $XXX | $XXX | Per income docs |
| XXX | XXX | 20251151 | Originator Doc Type | $XXX | $XXX | Per approval |
| XXX | XXX | 20251151 | Qualifying FICO | $XXX | $XXX | Per credit docs |
| XXX | XXX | 20251151 | Total Qualified Assets Available | $XXX | $XXX | Per asset docs |
| XXX | XXX | 20251151 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per asset docs |
| XXX | XXX | 20251151 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per credit docs |
| XXX | XXX | 20251151 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per approval |
| XXX | XXX | 20251184 | Originator Doc Type | $XXX | $XXX | Per Deal Guidance, for Change Mortgage Doc Type and the XXX Equivalent |
| XXX | XXX | 20251184 | Total Qualified Assets Available | $XXX | $XXX | Per Bank Statements and Mutual Funds Statement |
| XXX | XXX | 20251184 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per Bank Statements and Mutual Funds Statement |
| XXX | XXX | 20251184 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per subject PITIA, Primary home PITIA and credit report labilities. Does not include net negative rental income, and additional REO's with negative rental income totaling $25,874.02 due to DTI is not calculated and income not entered. |
| XXX | XXX | 20251184 | Borrower Appraisal Receipt Date | $XXX | $XXX | Credit UW does not have access to Receipt Entry in LM |
| XXX | XXX | 20251122 | Originator Doc Type | $XXX | $XXX | Doc type selected from drop down. |
| XXX | XXX | 20251122 | Cash Disbursement Date | $XXX | $XXX | Cash disbursement date verified. |
| XXX | XXX | 20251122 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Reserves verified. |
| XXX | XXX | 20251122 | Total Qualified Assets Available | $XXX | $XXX | Assets verified via asset docs and gift funds. |
| XXX | XXX | 20251122 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Liabilities verified via credit report and REO. |
| XXX | XXX | 20251122 | Borrower Appraisal Receipt Date | $XXX | $XXX | Appraisal receipt date verified. |
| XXX | XXX | 20251176 | Originator Doc Type | $XXX | $XXX | Doc type selected from drop down. |
| XXX | XXX | 20251176 | Total Qualified Assets Available | $XXX | $XXX | Assets verified via asset docs. |
| XXX | XXX | 20251176 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Reserves verified. |
| XXX | XXX | 20251176 | Total Liquid Assets Available For Close | $XXX | $XXX | Liquid assets verified via asset docs. |
| XXX | XXX | 20251176 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Liabilities verified via credit report and REO. |
| XXX | XXX | 20251176 | Borrower Appraisal Receipt Date | $XXX | $XXX | Appraisal receipt date verified. |
| XXX | XXX | 20251168 | Originator Doc Type | $XXX | $XXX | Coding. |
| XXX | XXX | 20251168 | Total Qualified Assets Available | $XXX | $XXX | Does not include equity. |
| XXX | XXX | 20251168 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Rounding. |
| XXX | XXX | 20251168 | Qualifying Total Monthly Liabilities | $XXX | $XXX | DSCR does not require REO to be completed. |
| XXX | XXX | 20251168 | Borrower Appraisal Receipt Date | $XXX | $XXX | Data entry. |
| XXX | XXX | 20251133 | Originator Doc Type | $XXX | $XXX | Per loan approval |
| XXX | XXX | 20251133 | Cash Disbursement Date | $XXX | $XXX | Per final CD |
| XXX | XXX | 20251133 | Total Liquid Assets Available For Close | $XXX | $XXX | Per asset statements minus reserves |
| XXX | XXX | 20251133 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per asset statements minus reserves |
| XXX | XXX | 20251133 | Total Qualified Assets Available | $XXX | $XXX | Per asset statements minus reserves |
| XXX | XXX | 20251133 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per desk review |
| XXX | XXX | 20251160 | All Borrower Total Income | $XXX | $XXX | Per income documentation, not including positive rental income |
| XXX | XXX | 20251160 | Originator Doc Type | $XXX | $XXX | Per Loan Approval |
| XXX | XXX | 20251160 | Borrower 1 Qualifying Income | $XXX | $XXX | Per income documentation |
| XXX | XXX | 20251160 | Total Liquid Assets Available For Close | $XXX | $XXX | Per asset documentation, excluding deposited gift funds of $21,500.00 |
| XXX | XXX | 20251160 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per asset documentation and housing expanes |
| XXX | XXX | 20251160 | Total Qualified Assets Available | $XXX | $XXX | Per asset documentation |
| XXX | XXX | 20251160 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Rounding |
| XXX | XXX | 20251131 | Originator Doc Type | $XXX | $XXX | Per approval |
| XXX | XXX | 20251131 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per asset docs |
| XXX | XXX | 20251131 | Total Qualified Assets Available | $XXX | $XXX | Per asset docs |
| XXX | XXX | 20251131 | Total Liquid Assets Available For Close | $XXX | $XXX | Per asset docs |
| XXX | XXX | 20251131 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per appraisal receipt |
| XXX | XXX | 20251191 | Originator Doc Type | $XXX | $XXX | Doc type selected from drop down. |
| XXX | XXX | 20251191 | Total Qualified Assets Available | $XXX | $XXX | Assets verified via asset docs. |
| XXX | XXX | 20251191 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Reserves verified. |
| XXX | XXX | 20251191 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Liabilities verified via credit report and REO. |
| XXX | XXX | 20251161 | Originator Doc Type | $XXX | $XXX | Doc type selected from drop down. |
| XXX | XXX | 20251161 | Cash Disbursement Date | $XXX | $XXX | Disbursement date verified via final CD. |
| XXX | XXX | 20251161 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Reserves verified. |
| XXX | XXX | 20251161 | Total Liquid Assets Available For Close | $XXX | $XXX | Liquid assets verified via asset docs in file. |
| XXX | XXX | 20251161 | Total Qualified Assets Available | $XXX | $XXX | Assets verified via asset docs in file. |
| XXX | XXX | 20251161 | Qualifying Total Monthly Liabilities | $XXX | $XXX |  |
| XXX | XXX | 20251161 | Borrower Appraisal Receipt Date | $XXX | $XXX | Appraisal receipt date verified. |
| XXX | XXX | 20251145 | Qualifying Monthly P&I Amount | $XXX | $XXX | Step rate program, Compliance to update |
| XXX | XXX | 20251145 | Originator Doc Type | $XXX | $XXX | Per loan approval |
| XXX | XXX | 20251145 | Total Qualified Assets Available | $XXX | $XXX | Per asset statements minus reserves |
| XXX | XXX | 20251145 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per asset statements minus reserves |
| XXX | XXX | 20251145 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per liabilities from credit report |
| XXX | XXX | 20251145 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per desk review |
| XXX | XXX | 20251128 | Qualifying Monthly P&I Amount | $XXX | $XXX | Monthly PI payment verified. |
| XXX | XXX | 20251128 | Originator Doc Type | $XXX | $XXX | Doc type selected from drop down. |
| XXX | XXX | 20251128 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Reserves verified. |
| XXX | XXX | 20251128 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Liabilities verified via step rate payment used for audit. |
| XXX | XXX | 20251128 | Borrower Appraisal Receipt Date | $XXX | $XXX | Appraisal receipt date verified. |
| XXX | XXX | 20251173 | Originator Doc Type | $XXX | $XXX | Per loam approval |
| XXX | XXX | 20251173 | Qualifying LTV | $XXX | $XXX | Rounding |
| XXX | XXX | 20251173 | Qualifying CLTV | $XXX | $XXX | Rounding |
| XXX | XXX | 20251173 | Total Qualified Assets Available | $XXX | $XXX | Per asset statement minus reserves |
| XXX | XXX | 20251173 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Rounding |
| XXX | XXX | 20251173 | Total Liquid Assets Available For Close | $XXX | $XXX | Per asset statement minus reserves |
| XXX | XXX | 20251173 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per liabilities from credit report |
| XXX | XXX | 20251173 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per desk review |
| XXX | XXX | 20251172 | Originator Doc Type | $XXX | $XXX | Doc type selected from drop down. |
| XXX | XXX | 20251172 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Reserves verified. |
| XXX | XXX | 20251172 | Total Qualified Assets Available | $XXX | $XXX | Assets verified. |
| XXX | XXX | 20251172 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Liabilities verified. |
| XXX | XXX | 20251182 | Originator Doc Type | $XXX | $XXX | Coding. |
| XXX | XXX | 20251182 | Cash Disbursement Date | $XXX | $XXX | Data entry. |
| XXX | XXX | 20251182 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Rounding. |
| XXX | XXX | 20251182 | Total Qualified Assets Available | $XXX | $XXX | Does not include equity. |
| XXX | XXX | 20251182 | Qualifying Total Monthly Liabilities | $XXX | $XXX | DSCR REO not required. |
| XXX | XXX | 20251182 | Borrower Appraisal Receipt Date | $XXX | $XXX | Data entry. |
| XXX | XXX | 20251170 | Borrower 1 Citizen | $XXX | $XXX | Permanent Resident Alien |
| XXX | XXX | 20251170 | Originator Doc Type | $XXX | $XXX | CHM Investor DSCR |
| XXX | XXX | 20251170 | Total Liquid Assets Available For Close | $XXX | $XXX | Updated information |
| XXX | XXX | 20251170 | Total Qualified Assets Available | $XXX | $XXX | Updated information |
| XXX | XXX | 20251170 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Updated information |
| XXX | XXX | 20251170 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Updated information |
| XXX | XXX | 20251170 | Borrower Appraisal Receipt Date | $XXX | $XXX | Mapping |
| XXX | XXX | 20251187 | Originator Doc Type | $XXX | $XXX | Coding. |
| XXX | XXX | 20251187 | Total Liquid Assets Available For Close | $XXX | $XXX | Does not include the cash out proceeds. |
| XXX | XXX | 20251187 | Total Qualified Assets Available | $XXX | $XXX | Does not include equity. |
| XXX | XXX | 20251187 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Rounding. |
| XXX | XXX | 20251187 | Qualifying Total Monthly Liabilities | $XXX | $XXX | REO does not require REO to be completed. |
| XXX | XXX | 20251187 | Borrower Appraisal Receipt Date | $XXX | $XXX | Data entry. |
| XXX | XXX | 20251190 | Originator Doc Type | $XXX | $XXX | Loan approved under the DSCR program |
| XXX | XXX | 20251190 | Qualifying LTV | $XXX | $XXX | Rounding |
| XXX | XXX | 20251190 | Qualifying CLTV | $XXX | $XXX | Rounding |
| XXX | XXX | 20251190 | Total Liquid Assets Available For Close | $XXX | $XXX | Audit data is based on asset statements in file. |
| XXX | XXX | 20251190 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Audit data is based on asset statements in file. |
| XXX | XXX | 20251190 | Total Qualified Assets Available | $XXX | $XXX | Audit data is based on asset statements in file. |
| XXX | XXX | 20251190 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Loan is DSCR. Additional REO debt obligations are not required to be calculated. |
| XXX | XXX | 20251190 | Borrower Appraisal Receipt Date | $XXX | $XXX | \*\* Credit UW does not have access to this screen |
| XXX | XXX | 20251127 | Originator Doc Type | $XXX | $XXX | Per loan approval |
| XXX | XXX | 20251127 | Total Qualified Assets Available | $XXX | $XXX | Per assets in file |
| XXX | XXX | 20251127 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per assets in file |
| XXX | XXX | 20251127 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Rounding |
| XXX | XXX | 20251127 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per appraisal delivery receipt |
| XXX | XXX | 20251120 | Originator Doc Type | $XXX | $XXX | Per Deal Guidance, for Change Mortgage Doc Type and the XXX Equivalent |
| XXX | XXX | 20251120 | Qualifying FICO | $XXX | $XXX | Per Credit Report and using Highest Wage earner per guidance |
| XXX | XXX | 20251120 | Cash out Include Debt Paid at Close | $XXX | $XXX | Per Final CD, Comp UW review.\* |
| XXX | XXX | 20251120 | Reviewed Appraised Property Value | $XXX | $XXX | Appraisal value is XXX per appraisal however using original purchase price of XXX for calculation. |
| XXX | XXX | 20251120 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Rounding Issue |
| XXX | XXX | 20251120 | Borrower Appraisal Receipt Date | $XXX | $XXX | Credit UW does not have access to Receipt Entry in LM |
| XXX | XXX | 20251155 | Borrower 1 Citizen | $XXX | $XXX | Citizenship verified. |
| XXX | XXX | 20251155 | Originator Doc Type | $XXX | $XXX | Doc type selected from drop down. |
| XXX | XXX | 20251155 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Reserves verified. |
| XXX | XXX | 20251155 | Total Qualified Assets Available | $XXX | $XXX | Assets verified via assets docs. |
| XXX | XXX | 20251155 | Borrower Appraisal Receipt Date | $XXX | $XXX | Appraisal receipt date verified. |
| XXX | XXX | 20251152 | Originator Doc Type | $XXX | $XXX | Per loan approval |
| XXX | XXX | 20251152 | Total Liquid Assets Available For Close | $XXX | $XXX | Per asset statement minus reserves |
| XXX | XXX | 20251152 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Rounding |
| XXX | XXX | 20251152 | Total Qualified Assets Available | $XXX | $XXX | Per asset statement minus reserves |
| XXX | XXX | 20251152 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Rounding |
| XXX | XXX | 20251152 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per desk review |
| XXX | XXX | 20251149 | Borrower 1 Total Years Employment/Self-Employment Verified | $XXX | $XXX | Per VVOE doc |
| XXX | XXX | 20251149 | Originator Doc Type | $XXX | $XXX | Per loan approval |
| XXX | XXX | 20251149 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per assets in file |
| XXX | XXX | 20251149 | Total Qualified Assets Available | $XXX | $XXX | Per assets in file |
| XXX | XXX | 20251149 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per appraisal delivery receipt |
| XXX | XXX | 20251150 | Originator Doc Type | $XXX | $XXX | Per approval |
| XXX | XXX | 20251150 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per asset docs |
| XXX | XXX | 20251150 | Total Qualified Assets Available | $XXX | $XXX | Per asset docs |
| XXX | XXX | 20251150 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per appraisal receipt |
| XXX | XXX | 20251153 | Originator Doc Type | $XXX | $XXX | Per loan approval |
| XXX | XXX | 20251153 | Borrower 1 Total Years Employment/Self-Employment Verified | $XXX | $XXX | Per loan approval |
| XXX | XXX | 20251153 | Qualifying FICO | $XXX | $XXX | Per Primary Wage Earner |
| XXX | XXX | 20251153 | Total Liquid Assets Available For Close | $XXX | $XXX | Per asset statements minus reserves |
| XXX | XXX | 20251153 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per asset statements minus reserves |
| XXX | XXX | 20251153 | Total Qualified Assets Available | $XXX | $XXX | Per asset statements minus reserves |
| XXX | XXX | 20251153 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Rounding |
| XXX | XXX | 20251153 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per desk review |
| XXX | XXX | 20251124 | Originator Doc Type | $XXX | $XXX | Per loan approval |
| XXX | XXX | 20251124 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per assets in file |
| XXX | XXX | 20251124 | Total Qualified Assets Available | $XXX | $XXX | Per assets in file |
| XXX | XXX | 20251124 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Rounding |
| XXX | XXX | 20251124 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per appraisal delivery receipt doc |
| XXX | XXX | 20251180 | Originator Doc Type | $XXX | $XXX | Per loan approval |
| XXX | XXX | 20251180 | Total Liquid Assets Available For Close | $XXX | $XXX | Per assets in file + Gift funds |
| XXX | XXX | 20251180 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per assets in file |
| XXX | XXX | 20251180 | Total Qualified Assets Available | $XXX | $XXX | Per assets in file + Gift funds |
| XXX | XXX | 20251180 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per credit report |
| XXX | XXX | 20251180 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per appraisal delivery receipt |
| XXX | XXX | 20251192 | Originator Doc Type | $XXX | $XXX | Per loan approval |
| XXX | XXX | 20251192 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per liquid assets in file |
| XXX | XXX | 20251192 | Total Qualified Assets Available | $XXX | $XXX | Per liquid assets in file |
| XXX | XXX | 20251192 | Total Liquid Assets Available For Close | $XXX | $XXX | Per liquid assets in file |
| XXX | XXX | 20251192 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per credit report + REO |
| XXX | XXX | 20251192 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per appraisal delivery receipt |
| XXX | XXX | 20251118 | Originator Doc Type | $XXX | $XXX | Coding. |
| XXX | XXX | 20251118 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Rounding. |
| XXX | XXX | 20251118 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Matches final 1008. |
| XXX | XXX | 20251118 | Borrower Appraisal Receipt Date | $XXX | $XXX | Data entry. |
| XXX | XXX | 20251158 | Originator Doc Type | $XXX | $XXX | 12 Month Bank Statement |
| XXX | XXX | 20251158 | Total Qualified Assets Available | $XXX | $XXX | Updated information |
| XXX | XXX | 20251158 | Total Liquid Assets Available For Close | $XXX | $XXX | Updated information |
| XXX | XXX | 20251158 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Updated information |
| XXX | XXX | 20251158 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Rounding |
| XXX | XXX | 20251158 | Borrower Appraisal Receipt Date | $XXX | $XXX |  |
| XXX | XXX | 20251162 | Borrower 1 Citizen | $XXX | $XXX | Per Permanent Resident ID |
| XXX | XXX | 20251162 | Originator Doc Type | $XXX | $XXX | Per Loan Approval |
| XXX | XXX | 20251162 | Qualifying FICO | $XXX | $XXX | Per Credit Report |
| XXX | XXX | 20251162 | Cash Disbursement Date | $XXX | $XXX | Per Final CD |
| XXX | XXX | 20251162 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Rounding |
| XXX | XXX | 20251162 | Total Qualified Assets Available | $XXX | $XXX | Per asset documentation |
| XXX | XXX | 20251162 | Total Liquid Assets Available For Close | $XXX | $XXX | Per asset documentation |
| XXX | XXX | 20251162 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per liability documentation |
| XXX | XXX | 20251162 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per Appraisal Receipt Disclosure |
| XXX | XXX | 20251132 | Originator Doc Type | $XXX | $XXX | Per loan approval |
| XXX | XXX | 20251132 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per asset statements minus reserves |
| XXX | XXX | 20251132 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per desk review |
| XXX | XXX | 20251178 | Borrower 1 Citizen | $XXX | $XXX | Per Permanent Resident ID Card |
| XXX | XXX | 20251178 | Originator Doc Type | $XXX | $XXX | Per Loan Approval |
| XXX | XXX | 20251178 | Total Liquid Assets Available For Close | $XXX | $XXX | Per asset documentation |
| XXX | XXX | 20251178 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per asset documentation and subject housing expense |
| XXX | XXX | 20251178 | Total Qualified Assets Available | $XXX | $XXX | Per asset documentation |
| XXX | XXX | 20251178 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per required liability documentation |
| XXX | XXX | 20251188 | Originator Doc Type | $XXX | $XXX | Per approval |
| XXX | XXX | 20251188 | Total Qualified Assets Available | $XXX | $XXX | Per asset docs |
| XXX | XXX | 20251188 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per asset docs |
| XXX | XXX | 20251188 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per credit docs |
| XXX | XXX | 20251188 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per appraisal receipt |
| XXX | XXX | 20251156 | Originator Doc Type | $XXX | $XXX | Per loan approval |
| XXX | XXX | 20251156 | Borrower 1 Qualifying Income | $XXX | $XXX | Audit recalculated income using full May 2024 statement as lender used incorrect deposit amount for the month of May 2024 |
| XXX | XXX | 20251156 | Total Qualified Assets Available | $XXX | $XXX | Per Assets in file |
| XXX | XXX | 20251156 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per Assets in file |
| XXX | XXX | 20251156 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per appraisal receipt doc |
| XXX | XXX | 20251222 | Qualifying Monthly P&I Amount | $XXX | $XXX | Per Note and 1008/Loan Approval. Step Rate loan |
| XXX | XXX | 20251222 | Borrower 1 Total Years Employment/Self-Employment Verified | $XXX | $XXX | Per CPA letter and business license |
| XXX | XXX | 20251222 | Originator Doc Type | $XXX | $XXX | Per Deal Guidance, for Change Mortgage Doc Type and the XXX Equivalent. |
| XXX | XXX | 20251222 | Qualifying CLTV | $XXX | $XXX | Rounding Issue. Matches Loan Approval |
| XXX | XXX | 20251222 | Qualifying LTV | $XXX | $XXX | Rounding Issue. Matches Loan Approval |
| XXX | XXX | 20251222 | Total Qualified Assets Available | $XXX | $XXX | Per Bank Statement |
| XXX | XXX | 20251222 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Rounding Issue |
| XXX | XXX | 20251222 | Total Liquid Assets Available For Close | $XXX | $XXX | Per Bank Statement |
| XXX | XXX | 20251222 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per PITIA, credit report, and 2 REO's with negative rental incme. Matches 1008/Loan Approval |
| XXX | XXX | 20251222 | Borrower Appraisal Receipt Date | $XXX | $XXX | Credit UW does not have access to Receipt Entry in LM |
| XXX | XXX | 20251223 | Property City | $XXX | $XXX | Capitalization |
| XXX | XXX | 20251223 | Originator Doc Type | $XXX | $XXX | File contains 12 months business bank statements. |
| XXX | XXX | 20251223 | Total Qualified Assets Available | $XXX | $XXX | Audit data is based on asset statements in file. |
| XXX | XXX | 20251223 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Audit data is based on asset statements in file. |
| XXX | XXX | 20251223 | Total Liquid Assets Available For Close | $XXX | $XXX | Audit data is based on asset statements in file. |
| XXX | XXX | 20251223 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Audit is using a slightly higher payment for borrower's investment property. |
| XXX | XXX | 20251223 | Borrower Appraisal Receipt Date | $XXX | $XXX | \*\* Credit UW does not have access to this screen |
| XXX | XXX | 20251235 | Originator Doc Type | $XXX | $XXX | Per approval |
| XXX | XXX | 20251235 | Total Liquid Assets Available For Close | $XXX | $XXX | Per asset docs |
| XXX | XXX | 20251235 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per asset docs |
| XXX | XXX | 20251235 | Total Qualified Assets Available | $XXX | $XXX | Per asset docs |
| XXX | XXX | 20251235 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per credit docs |
| XXX | XXX | 20251230 | Originator Doc Type | $XXX | $XXX | File contains 1 year business P&L statement |
| XXX | XXX | 20251230 | Borrower 1 Total Years Employment/Self-Employment Verified | $XXX | $XXX | This field does not allow a manual entry |
| XXX | XXX | 20251230 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Audit data is based on asset statements in file. |
| XXX | XXX | 20251230 | Total Liquid Assets Available For Close | $XXX | $XXX | Audit data is based on asset statements in file. |
| XXX | XXX | 20251230 | Total Qualified Assets Available | $XXX | $XXX | Audit data is based on asset statements in file. |
| XXX | XXX | 20251230 | Borrower Appraisal Receipt Date | $XXX | $XXX | \*\* Credit UW does not have access to this screen |
| XXX | XXX | 20251229 | Originator Doc Type | $XXX | $XXX | Per approval |
| XXX | XXX | 20251229 | Borrower 1 Total Years Employment/Self-Employment Verified | $XXX | $XXX | Per income docs |
| XXX | XXX | 20251229 | Total Qualified Assets Available | $XXX | $XXX | Per asset docs |
| XXX | XXX | 20251229 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per asset docs |
| XXX | XXX | 20251229 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per credit docs |
| XXX | XXX | 20251229 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per appraisal receipt |
| XXX | XXX | 20251238 | Borrower 1 Citizen | $XXX | $XXX | Per Final 1003 |
| XXX | XXX | 20251238 | Originator Doc Type | $XXX | $XXX | Per Deal Guidance, for Change Mortgage Doc Type and the XXX Equivalent. |
| XXX | XXX | 20251238 | Total Qualified Assets Available | $XXX | $XXX | Per Robinhood Statement |
| XXX | XXX | 20251238 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Rounding Issue |
| XXX | XXX | 20251238 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per PITIA and Credit report. Does not include negative rental income, and additional REO with negative rental income due to DTI is not calculated and income not entered. |
| XXX | XXX | 20251238 | Borrower Appraisal Receipt Date | $XXX | $XXX | Credit UW does not have access to Receipt Entry in LM |
| XXX | XXX | 20251234 | Originator Doc Type | $XXX | $XXX | Per Loan Approval |
| XXX | XXX | 20251234 | Total Liquid Assets Available For Close | $XXX | $XXX | Per asset documentation |
| XXX | XXX | 20251234 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per asset documentation, using 70% of IRA account, and housing expense |
| XXX | XXX | 20251234 | Total Qualified Assets Available | $XXX | $XXX | Per asset documentation |
| XXX | XXX | 20251234 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Rounding |
| XXX | XXX | 20251234 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per Appraisal Receipt Disclosure |
| XXX | XXX | 20251228 | Originator Doc Type | $XXX | $XXX | Per Loan Approval |
| XXX | XXX | 20251228 | Total Liquid Assets Available For Close | $XXX | $XXX | Per asset documentation, excluding joint XXX. No Access Letter |
| XXX | XXX | 20251228 | Total Qualified Assets Available | $XXX | $XXX | Per asset documentation, excluding joint XXX. No Access Letter |
| XXX | XXX | 20251228 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per housing expense and asset documentation, excluding joint XXX. No Access Letter |
| XXX | XXX | 20251228 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per Appraisal Receipt Disclosure |
| XXX | XXX | 20251231 | Qualifying Monthly P&I Amount | $XXX | $XXX | Per credit docs |
| XXX | XXX | 20251231 | Borrower 1 Total Years Employment/Self-Employment Verified | $XXX | $XXX | Per income docs |
| XXX | XXX | 20251231 | Originator Doc Type | $XXX | $XXX | Per approval |
| XXX | XXX | 20251231 | Total Qualified Assets Available | $XXX | $XXX | Per asset docs |
| XXX | XXX | 20251231 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per CD cash out |
| XXX | XXX | 20251231 | Total Liquid Assets Available For Close | $XXX | $XXX | Per asset docs |
| XXX | XXX | 20251231 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per credit docs |
| XXX | XXX | 20251231 | Borrower Appraisal Receipt Date | $XXX | $XXX |  |
| XXX | XXX | 20251232 | Originator Doc Type | $XXX | $XXX | Doc type selected from drop down. |
| XXX | XXX | 20251232 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Reserves verified. |
| XXX | XXX | 20251232 | Total Qualified Assets Available | $XXX | $XXX | Assets verified via proceeds from sale and asset docs. |
| XXX | XXX | 20251232 | Borrower Appraisal Receipt Date | $XXX | $XXX |  |
| XXX | XXX | 20251236 | Originator Doc Type | $XXX | $XXX | Per loan approval |
| XXX | XXX | 20251236 | Total Liquid Assets Available For Close | $XXX | $XXX | Per asset statements minus reserves |
| XXX | XXX | 20251236 | Total Qualified Assets Available | $XXX | $XXX | Per asset statements minus reserves |
| XXX | XXX | 20251236 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per asset statements minus reserves |
| XXX | XXX | 20251236 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per liabilities from credit report |
| XXX | XXX | 20251236 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per desk review |
| XXX | XXX | 20251224 | Originator Doc Type | $XXX | $XXX | File contained 12 months personal bank statements |
| XXX | XXX | 20251224 | Qualifying FICO | $XXX | $XXX | Guidelines for the Alt Doc Prime program require credit score of the primary wage earner. |
| XXX | XXX | 20251224 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Audit data is based on asset statements in file. |
| XXX | XXX | 20251224 | Total Qualified Assets Available | $XXX | $XXX | Audit data is based on asset statements in file. |
| XXX | XXX | 20251224 | Total Liquid Assets Available For Close | $XXX | $XXX | Audit data is based on asset statements in file. |
| XXX | XXX | 20251224 | Lock Term (Days) | $XXX | $XXX | \*\* Credit UW does not have access to this screen. |
| XXX | XXX | 20251224 | Borrower Appraisal Receipt Date | $XXX | $XXX | \*\* Credit UW does not have access to this screen. |
| XXX | XXX | 20251227 | Originator Doc Type | $XXX | $XXX | Per loan approval |
| XXX | XXX | 20251227 | Borrower 1 Qualifying Income | $XXX | $XXX | Rounding |
| XXX | XXX | 20251227 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per asset statements minus reserves |
| XXX | XXX | 20251227 | Total Qualified Assets Available | $XXX | $XXX | Per asset statements minus reserves |
| XXX | XXX | 20251227 | Total Liquid Assets Available For Close | $XXX | $XXX | Per asset statements |
| XXX | XXX | 20251227 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Rounding |
| XXX | XXX | 20251227 | Borrower Appraisal Receipt Date | $XXX | $XXX |  |
| XXX | XXX | 20251239 | Originator Doc Type | $XXX | $XXX | Per approval |
| XXX | XXX | 20251239 | Cash Disbursement Date | $XXX | $XXX | Per appraisal receipt |
| XXX | XXX | 20251239 | Cash out Include Debt Paid at Close | $XXX | $XXX | Per CD |
| XXX | XXX | 20251239 | Reviewed Appraised Property Value | $XXX | $XXX | Per desk review |
| XXX | XXX | 20251239 | Total Liquid Assets Available For Close | $XXX | $XXX | Per asset docs |
| XXX | XXX | 20251239 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per asset docs |
| XXX | XXX | 20251239 | Total Qualified Assets Available | $XXX | $XXX | Per asset docs |
| XXX | XXX | 20251239 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per credit docs |
| XXX | XXX | 20251239 | Borrower Appraisal Receipt Date | $XXX | $XXX | Per appraisal receipt |
| XXX | XXX | 20251226 | Originator Doc Type | $XXX | $XXX | Per loan approval |
| XXX | XXX | 20251226 | Cash out Include Debt Paid at Close | $XXX | $XXX | Per final CD cash out |
| XXX | XXX | 20251226 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per final CD cash out used for reserves |
| XXX | XXX | 20251226 | Qualifying Total Monthly Liabilities | $XXX | $XXX | Rounding |
| XXX | XXX | 20251226 | Borrower Appraisal Receipt Date | $XXX | $XXX |  |
| XXX | XXX | 20251225 | Borrower 1 FTHB | $XXX | $XXX | x |
| XXX | XXX | 20251225 | Originator Doc Type | $XXX | $XXX | Coding. |
| XXX | XXX | 20251225 | Borrower 1 Total Years Employment/Self-Employment Verified | $XXX | $XXX | Self employed greater than 24 months. |
| XXX | XXX | 20251225 | Total Qualified Assets Available | $XXX | $XXX | Does not include the EM $2555. |
| XXX | XXX | 20251225 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Rounding difference. |
| XXX | XXX | 20251225 | Borrower Appraisal Receipt Date | $XXX | $XXX | Data entry. |
| XXX | XXX | 20251233 | Originator Doc Type | $XXX | $XXX | Per Deal Guidance, for Change Mortgage Doc Type and the XXX Equivalent. |
| XXX | XXX | 20251233 | Cash Disbursement Date | $XXX | $XXX | Per Final CD in file |
| XXX | XXX | 20251233 | Qualifying Total Reserves Number of Months | $XXX | $XXX | Per Bank Statements and Gift funds |
| XXX | XXX | 20251233 | Total Qualified Assets Available | $XXX | $XXX | Per Bank Statements and Gift funds |
| XXX | XXX | 20251233 | Total Liquid Assets Available For Close | $XXX | $XXX | Per Bank Statements and Gift funds |
| XXX | XXX | 20251233 | Borrower Appraisal Receipt Date | $XXX | $XXX |  |

---

## Exhibit 99.20

[GCAT Depositor vi llcabs-15g](gcat2025-abs15g.htm)

**Exhibit 99.20**

![](ex9920001.jpg)

Executive Summary

GCAT 2025-NQM5

&nbsp;&nbsp;&nbsp;&nbsp;(1) Type
 of Assets.

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

&nbsp;&nbsp;&nbsp;&nbsp;(2) Number
 of Assets.

There are 4 assets in the loan population.

&nbsp;&nbsp;&nbsp;&nbsp;(3) Review
 Process.

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

---

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

---

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

&nbsp;&nbsp;&nbsp;&nbsp;(4) Sample
 size of the assets reviewed.

The due diligence review was conducted on 100% of the loan population and consisted of 4 mortgage loans with an aggregate original principal balance of approximately $1,633,000. The mortgage loans originated from January 2025 through February 2025 by three correspondent Sellers.

Page 1 of 8

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

&nbsp;&nbsp;&nbsp;&nbsp;(5) Asset
 Review

In connection with the credit re-underwrite, CRES reviewed all origination documentation to determine conformity to the applicable underwriting guidelines and other regulatory requirements described below, including (if applicable) the Ability to Repay and Qualified Mortgage requirements. Review areas included, but are not limited to:

**Credit Review and Methodology**

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

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

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

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

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

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

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

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

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

Page 2 of 8

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

**Property Valuation Review and Methodology**

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

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

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

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

**Compliance Review Methodology**

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

Page 3 of 8

Compliance testing was limited to:

● A review of the Note and Mortgage for accuracy.

● Review of Occupancy and Business Purpose Certifications

● State and Federal High Cost and Higher-Priced

● Cook County High-Cost Ordinance

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

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

---

| | | |
|:---|:---|:---|
| | **Count** | &nbsp;&nbsp;&nbsp;**Percentage of Population** |
| &nbsp;&nbsp;**Investment/Business Purpose Loans** | 4 | &nbsp;&nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Initial Application Date prior to October 3, 2015** | 0 | &nbsp;&nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**CRES Level II TRID Review** | 0 | &nbsp;&nbsp;&nbsp;0.00% |

---

**Document Review** 

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

---

| |
|:---|
| &nbsp;&nbsp;&nbsp;● Appraisal. |
| &nbsp;&nbsp;&nbsp;&nbsp;● Asset documentation. <br> &nbsp;&nbsp;&nbsp;&nbsp;● Business Purpose Certification (if applicable) |
| &nbsp;&nbsp;&nbsp;● Changed circumstance documentation. |
| &nbsp;&nbsp;&nbsp;● Credit report. |
| &nbsp;&nbsp;&nbsp;● FACTA disclosures. |
| &nbsp;&nbsp;&nbsp;● Final 1003. |
| &nbsp;&nbsp;&nbsp;● Final HUD-1/Closing Disclosure(s). |
| &nbsp;&nbsp;&nbsp;● Hazard and/or flood insurance policies. |
| &nbsp;&nbsp;&nbsp;● HUD from sale of previous residence. |
| &nbsp;&nbsp;&nbsp;● Homeownership counseling organizations disclosure. |
| &nbsp;&nbsp;&nbsp;● Income and employment documentation. |
| &nbsp;&nbsp;&nbsp;● Initial and final GFE's. |
| &nbsp;&nbsp;&nbsp;● Initial application (1003). |
| &nbsp;&nbsp;&nbsp;● Initial escrow disclosure. |
| &nbsp;&nbsp;&nbsp;&nbsp;● Initial TIL. <br> &nbsp;&nbsp;&nbsp;&nbsp;● Leases  |
| &nbsp;&nbsp;&nbsp;&nbsp;● Loan Estimate(s). <br> &nbsp;&nbsp;&nbsp;&nbsp;● Market Rent supporting documentation |
| &nbsp;&nbsp;&nbsp;● Mortgage Insurance. |
| &nbsp;&nbsp;&nbsp;● Mortgage/Deed of Trust. |
| &nbsp;&nbsp;&nbsp;● Note. |
| &nbsp;&nbsp;&nbsp;● Notice of Special Flood Hazards. |
| &nbsp;&nbsp;&nbsp;● Sales contract. |
| &nbsp;&nbsp;&nbsp;● Tangible Net Benefit Disclosure. |
| &nbsp;&nbsp;&nbsp;● Title/Preliminary Title. |
| &nbsp;&nbsp;&nbsp;● Written List of Service Providers. |

---

Page 4 of 8

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

&nbsp;&nbsp;&nbsp;&nbsp;(6) Tape
 Data Compare

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

---

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

---

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

Of the 4 mortgage loans reviewed, no unique mortgage loans had a tape discrepancy across 20 data fields. The following table discloses the number of data discrepancies noted by field name. Note, tape data was not provided on certain field compare values. The fields in which tape data were not available is noted below; however, a data discrepancy was not counted if the seller failed to provide a compare value.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Compare** | &nbsp;&nbsp;**Discrepancy: No** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Discrepancy: Yes** | **Total** |
| &nbsp;&nbsp;**Appraised Value** | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 4 |
| &nbsp;&nbsp;**CLTV** | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 4 |
| &nbsp;&nbsp;**Doc Level** | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 4 |
| &nbsp;&nbsp;**DSCR** | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 4 |
| &nbsp;&nbsp;**FICO** | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 4 |
| &nbsp;&nbsp;**First Payment Date** | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 4 |
| &nbsp;&nbsp;**Interest Rate** | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 4 |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 4 |
| &nbsp;&nbsp;**Loan Term** | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 4 |
| &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 4 |
| &nbsp;&nbsp;**Note Date** | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 4 |
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 4 |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 4 |
| &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 4 |
| &nbsp;&nbsp;**P&I Payment** | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 4 |
| &nbsp;&nbsp;**Property City** | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 4 |
| &nbsp;&nbsp;**Property State** | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 4 |
| &nbsp;&nbsp;**Property Zip** | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 4 |
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 4 |
| &nbsp;&nbsp;**QM Type** | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 4 |
| \* Tape data was not available. | \* Tape data was not available. | \* Tape data was not available. | \* Tape data was not available. |

---

&nbsp;&nbsp;&nbsp;&nbsp;(7) Credit, Compliance and Property Valuation Results

**Credit Results Summary**

Approximately 100.00% of the mortgage loans by number have a Credit grade of "B" or higher and 75.00% of the mortgage loans by number have a Credit grade of "A".

Page 5 of 8

---

| | | |
|:---|:---|:---|
| **NRSRO Grade** | **Loan Count** | **Percentage** |
| A | 3 | 75.00% |
| B | 1 | 25.00% |
| C | 0 | 0.00% |
| **Total** | **4** | **100.00%** |

---

**Compliance Results Summary**

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

---

| | | |
|:---|:---|:---|
| **NRSRO Grade** | **Loan Count** | **Percentage** |
| A | 4 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| **Total** | **4** | **100.00%** |

---

**Property Valuation Results Summary**

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

---

| | | |
|:---|:---|:---|
| **NRSRO Grade** | **Loan Count** | **Percentage** |
| A | 4 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| **Total** | **4** | **100.00%** |

---

**Overall Results Summary**

Approximately 100.00% of all loans by number received an "A" or "B" overall grade and 75.00% of all loans by number received an overall grade of "A".

---

| | | |
|:---|:---|:---|
| **NRSRO Grade** | **Loan Count** | **Percentage** |
| A | 3 | 75.00% |
| B | 1 | 25.00% |
| C | 0 | 0.00% |
| **Total** | **4** | **100.00%** |

---

Page 6 of 8

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

&nbsp;&nbsp;&nbsp;&nbsp;(8) Pool
 Stratification Summary

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | **Count** | **Percentage** |
| &nbsp;&nbsp;First | 4 | 100.00% |
| &nbsp;&nbsp;**Total** | **4** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Note Type** | **Count** | **Percentage** |
| &nbsp;&nbsp;**Arm** | 1 | 25.00% |
| &nbsp;&nbsp;**Fixed** | 3 | 75.00% |
| &nbsp;&nbsp;**Total** | **4** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | **Count** | **Percentage** |
| &nbsp;&nbsp;**Owner Occupied** | 0 | 0.00% |
| &nbsp;&nbsp;**Non-Owner Occupied** | 4 | 100.00% |
| &nbsp;&nbsp;**Second Home** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | **4** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | **Count** | **Percentage** |
| &nbsp;&nbsp;**Purchase** | 0 | 0.00% |
| &nbsp;&nbsp;**Refi - Cash Out** | 2 | 50.00% |
| &nbsp;&nbsp;**Rate Term Refi** | 2 | 50.00% |
| &nbsp;&nbsp;**Total** | **4** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | **Count** | **Percentage** |
| &nbsp;&nbsp;**Single Family** | 3 | 75.00% |
| &nbsp;&nbsp;**PUD** | 0 | 0.00% |
| &nbsp;&nbsp;**Condo** | 0 | 0.00% |
| &nbsp;&nbsp;**2-4 Family** | 1 | 25.00% |
| &nbsp;&nbsp;**Co-op** | 0 | 0.00% |
| &nbsp;&nbsp;**Townhome** | 0 | 0.00% |
| &nbsp;&nbsp;**Mixed Use** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | **4** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DSCR Loans** | **Count** | **Percentage** |
| **<0 or** | 0 | 0.00% |
| **0-0.1999** | 0 | 0.00% |
| **0.2-0.3999** | 0 | 0.00% |
| **0.4-0.5999** | 0 | 0.00% |
| **0.6-0.7999** | 1 | 25.00% |
| **0.8-.9999** | 0 | 0.00% |
| **1-1.1999** | 2 | 50.00% |
| **1.2-1.3999** | 0 | 0.00% |
| **1.4-1.5999** | 1 | 25.00% |
| **1.6-1.7999** | 0 | 0.00% |
| **1.8-1.9999** | 0 | 0.00% |
| **=>2** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | **4** | **100.00%** |

---

Page 7 of 8

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan to Value** | **Count** | **Percentage** |
| &nbsp;&nbsp;**10%-19.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**20%-29.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**30%-39.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**40%-49.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**50%-59.99%** | 2 | 50.00% |
| &nbsp;&nbsp;**60%-69.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**70%-79.99%** | 2 | 50.00% |
| &nbsp;&nbsp;**80%-89.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**90%-100%** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | **4** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State** | **Count** | **Percentage** |
| &nbsp;&nbsp;**CA** | 1 | 25.00% |
| &nbsp;&nbsp;**MD** | 2 | 50.00% |
| &nbsp;&nbsp;**NJ** | 1 | 25.00% |
| &nbsp;&nbsp;**Total** | **4** | **100.00%** |

---

Page 8 of 8

## Exhibit 99.21

[GCAT Depositor vi llcabs-15g](gcat2025-abs15g.htm)

**Exhibit 99.21**

![](ex99_001.gif)

**ATR QM Data Fields**

Loans in Report: 4

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Loan Number** | **Alt Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** |
| XXXXXXXXX | 20250902 | Not covered/exempt | No | No |
| XXXXXXXXX | 20250906 | Not covered/exempt | No | No |
| XXXXXXXXX | 20250907 | Not covered/exempt | No | No |
| XXXXXXXXX | 20250908 | Not covered/exempt | No | No |
| **4** |  |  |  |  |

---

## Exhibit 99.22

[GCAT Depositor vi llcabs-15g](gcat2025-abs15g.htm)

**Exhibit 99.22**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **TPR Loan Number** | **Tape** | **Audited** | **Field Compare** | **Variance** | **Data Discrepancy Flag** |
| None |  |  |  |  |  | No |

---

## Exhibit 99.23

[GCAT Depositor vi llcabs-15g](gcat2025-abs15g.htm)

**Exhibit 99.23**

**Rating Agency Exceptions Report: 9/5/2025**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Event Level** |
| **Loan Number** | **Loan Number 2** | **Purpose** | **Occupancy** | **Property Type** | **DTI** | **DSCR** | **FICO** | **LTV** | **Note Original Balance** | **Exception ID** | **Exception Type** | **Exception Description** | **Exception Note** | **Exception General Comment** | **Compensating Factors** | **Exception Status** | **Grade** |
| XXXXXXXXX | 20250902 NJ | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0254 | 641 | 55.56% | XXXXXXXXX | 300110 | Credit | Credit - Eligiblity | An attorney opinion letter for LLC was required by the lender. | The loan file included an approved exception | Months Of Reserves - XXXXX months of reserves. | Client Accepted B | 2 |
| XXXXXXXXX | 20250902 NJ | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0254 | 641 | 55.56% | XXXXXXXXX | 300111 | Property | Appraisal | Provide a 3rd party valuation product from the list of XXXXX approved desk review vendors. ([Redacted]). | 03/19/25: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXX | 20250902 NJ | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0254 | 641 | 55.56% | XXXXXXXXX | 300112 | Credit | AUS/Loan Approval | Provide an updated Loan commitment with the correct margin information. Note reflects the margin is XXXXX% and the commitment reflects XXXXX%. | 03/13/25: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXX | 20250902 NJ | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0254 | 641 | 55.56% | XXXXXXXXX | 300114 | Compliance | Required Document - GOV | Provide the final amoritization schedule for the loan file. | 03/13/25: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXX | 20250902 NJ | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0254 | 641 | 55.56% | XXXXXXXXX | 300147 | Credit | Note | The Note reflects an interest only payment but the Note type is not interest only. Provide a corrected Note signed by the borrower. | 5/18/2025: Revised Note provided to cure. | Months Of Reserves - XXXXX months of reserves. | Cleared Exception B | 2 |
| XXXXXXXXX | 20250906 MD | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0554 | 761 | 75.00% | XXXXXXXXX | 299920 | Credit | 1008 | Form 1008 document or loan approval is not included in the loan file for a manually underwritten loan. | 04/14/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 20250906 MD | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0554 | 761 | 75.00% | XXXXXXXXX | 299921 | Credit | Final 1003 | The final 1003/ application reflecting all properties owned is not included in the loan file. | 4/14: Loan application must contain an REO section disclosing all properties owned.<br> 4/25: XXXXX has agreed to clear. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 20250906 MD | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0554 | 761 | 75.00% | XXXXXXXXX | 300983 | Credit | Deed of Trust / Mortgage | The Deed of Trust/Mortgage must contain a MERS Loan ID. | 5/1: XXXXX has agreed to clear as seller is providing assignments. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 20250907 MD | Rate Term Refi | Non-Owner Occupied | Two-Unit Property | 0 | 1.4353 | 761 | 75.00% | XXXXXXXXX | 299704 | Credit | 1008 | Form 1008 document is not included in the loan file for a manually underwritten loan. | 04/14/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 20250907 MD | Rate Term Refi | Non-Owner Occupied | Two-Unit Property | 0 | 1.4353 | 761 | 75.00% | XXXXXXXXX | 299707 | Credit | Final 1003 | The final 1003 is not included in the loan file. | 4/14: Loan application must contain an REO section disclosing all properties owned.<br> 4/25: XXXXX has agreed to clear. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 20250907 MD | Rate Term Refi | Non-Owner Occupied | Two-Unit Property | 0 | 1.4353 | 761 | 75.00% | XXXXXXXXX | 299752 | Credit | Deed of Trust / Mortgage | The Deed of Trust/Mortgage does not contain a MERS registration number. | 4/14: The Deed of Trust/Mortgage must contain a MERS Loan ID.<br> 5/1: XXXXX has agreed to clear. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 20250908 CA | Rate Term Refi | Non-Owner Occupied | Single Family Detached | 0 | 0.7857 | 740 | 56.24% | XXXXXXXXX | 300016 | Property | Appraisal | Subject property is located in a XXXXX. A third party post disaster inspection report is missing from the loan file. | 3/13/2025: Document provided to cure. |  | Cleared Exception D A | 1 |
| **4** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.24

[GCAT Depositor vi llcabs-15g](gcat2025-abs15g.htm)

**Exhibit 99.24**

**Rating Agency Grades: 8/18/2025**

---

| | | |
|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** |
| **Loan Number** | **Alternate Loan ID** | **Note Original Balance** |
| XXXXXXXXX | 20250902 | XXXXXXXXX C B A |
| XXXXXXXXX | 20250906 | XXXXXXXXX D A |
| XXXXXXXXX | 20250907 | XXXXXXXXX D A |
| XXXXXXXXX | 20250908 | XXXXXXXXX A D |

---

## Exhibit 99.25

[GCAT Depositor vi llcabs-15g](gcat2025-abs15g.htm)

**Exhibit 99.25**

**ValuationReport**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** |
| **Loan Number** | **Alt Loan Number** | **Origination Date** | **Original Loan Amount** | **LTV** | **Value Used For LTV** | **Sale Price** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Value** | **Variance Amount** | **Variance (%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **CU Score** | **CU Date** |
| XXXXXXXXX | 20250902 | XX/XX/XXXX | XXXXXXXXX | 55.56% | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | [Redacted] | XX/XX/XXXX |  |  |  |  |  | 3.3 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 20250906 | XX/XX/XXXX | XXXXXXXXX | 75.00% | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | [Redacted] | XX/XX/XXXX |  |  |  |  |  |  |  |
| XXXXXXXXX | 20250907 | XX/XX/XXXX | XXXXXXXXX | 75.00% | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | [Redacted] | XX/XX/XXXX |  |  |  |  |  |  |  |
| XXXXXXXXX | 20250908 | XX/XX/XXXX | XXXXXXXXX | 56.24% | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | [Redacted] | XX/XX/XXXX |  |  |  |  |  |  |  |

---

## Exhibit 99.26

[GCAT Depositor vi llcabs-15g](gcat2025-abs15g.htm)

**Exhibit 99.26**

**Executive Summary**

GCAT 2025-NQM5

**Overview**

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

The Review consisted of 100% of the population of 15 loans with an original loan balance of $9,385,901.00.

**Scope of Review**

**Credit Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex9925001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s
 and Paystubs, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Transcripts
 (as applicable) support income

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

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

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

![](ex9925001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex9925001.jpg)

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

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, Service Provider will (a) Confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) Key Underwriting Factors below that are required pursuant to the ATR rule.

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

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

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

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

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

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

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

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

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

![](ex9925001.jpg)

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

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

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

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

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

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

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

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

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

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

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

![](ex9925001.jpg)

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

**Property Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex9925001.jpg)

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

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

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

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

**Compliance Review**

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

![](ex9925001.jpg)

With regard to TRID testing, MaxDiligence implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the SFA RMBS TRID Grid 4.0 Compliance Review Scope published by the Structured Finance Association (formerly SFIG) (the "SFA RMBS Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. MaxDiligence worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While MaxDiligence continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

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

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

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

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

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

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

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

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

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

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

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

![](ex9925001.jpg)

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

Rescission

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

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

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

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

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

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

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

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

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

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

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

![](ex9925001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>TILA</u> 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex9925001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex9925001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

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

![](ex9925001.jpg)

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;**Event Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percent of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Total | &nbsp;&nbsp;**15** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Event Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp; **Percent of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Total | &nbsp;&nbsp;**15** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Event Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp; **Percent of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Total | &nbsp;&nbsp;**15** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Event Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp; **Percent of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Total | &nbsp;&nbsp;**15** | &nbsp;&nbsp;**100.00%** |

---

![](ex9925001.jpg)

**Exception Category Summary**

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit &nbsp;&nbsp;A | &nbsp;&nbsp;Eligibility - Borrower Identity | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Final Settlement Statement Missing. | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Income - General | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;12 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***15*** |
| &nbsp;&nbsp;Property &nbsp;&nbsp;A | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;15 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***15*** |
| &nbsp;&nbsp;Compliance &nbsp;&nbsp;A | &nbsp;&nbsp;Final CD: Prepayment Penalty is missing or inaccurate | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;5 |
|  | &nbsp;&nbsp;No Compliance Tests Performed | &nbsp;&nbsp;9 |
|  | &nbsp;&nbsp;The Final 1003 is Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Compliance (A) Exceptions*** | &nbsp;&nbsp;***16*** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

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

Of the 15 mortgage loans reviewed, 4 unique mortgage loans (by loan count) had a total of 5 different tape discrepancies across 3 data fields (some mortgage loans may have had more than one). A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;15 | &nbsp;&nbsp;6.67% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;15 | &nbsp;&nbsp;13.33% |
| &nbsp;&nbsp;Qualifying Total Monthly Liabilities | &nbsp;&nbsp;2 | &nbsp;&nbsp;15 | &nbsp;&nbsp;13.33% |

---

![](ex9925001.jpg)

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

![](ex9925001.jpg)

---

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

---

## Exhibit 99.27

[GCAT Depositor vi llcabs-15g](gcat2025-abs15g.htm)

**Exhibit 99.27**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| 20251159 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4234240 | 1 of 3 | 2025-05-23 19:56 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-23 19:56 | Cleared | 1 | 1 | 1 | 1 |
| 20251159 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4234241 | 2 of 3 | 2025-05-23 19:56 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-23 19:56 | Cleared | 1 | 1 | 1 | 1 |
| 20251159 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4234657 | 3 of 3 | 2025-05-23 20:22 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-05-23 20:22 | Cleared | 1 | 1 | 1 | 1 |
| 20251101 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4173702 | 1 of 3 | 2025-05-18 13:12 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-05-18 13:12 | Cleared | 1 | 1 | 1 | 1 |
| 20251101 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4173704 | 2 of 3 | 2025-05-18 13:12 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-18 13:12 | Cleared | 1 | 1 | 1 | 1 |
| 20251101 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4173706 | 3 of 3 | 2025-05-18 13:12 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-18 13:12 | Cleared | 1 | 1 | 1 | 1 |
| 20251141 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: CDFI Lender Exempt | 4269337 | 1 of 3 | 2025-05-29 14:36 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-29 14:36 | Cleared | 1 | 1 | 1 | 1 |
| 20251141 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: CDFI Lender Exempt | 4269341 | 2 of 3 | 2025-05-29 14:36 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-29 14:36 | Cleared | 1 | 1 | 1 | 1 |
| 20251141 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: CDFI Lender Exempt | 4271577 | 3 of 3 | 2025-05-29 16:30 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-05-29 16:30 | Cleared | 1 | 1 | 1 | 1 |
| 20251193 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4247984 | 1 of 3 | 2025-05-27 18:59 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-05-27 18:59 | Cleared | 1 | 1 | 3 | 1 |
| 20251193 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4247985 | 2 of 3 | 2025-05-27 19:00 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-27 19:00 | Cleared | 1 | 1 | 3 | 1 |
| 20251193 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4267803 | 3 of 3 | 2025-05-29 12:59 | Credit | Eligibility - Borrower Identity | The loan file reflected potential identity issues. Borrower 2 XXXXXX provided an expired Driver's License at closing. Expired XXXXXX. Due to regulatory guides, the file is missing a valid idenitification for Borrower 2. <br>|  | Document Uploaded. XXXXXX Driver License expires XXXXXX - 05/29/2025 | XXXXXX Form was provided for borrower 2 identification that details the driver's license expiration date XXXXXX. - 05/30/2025 |  | 2025-05-30 13:06 | Resolved | 3 | 1 | 3 | 1 |
| 20251189 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4237477 | 1 of 3 | 2025-05-24 16:10 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-05-24 16:10 | Cleared | 1 | 1 | 1 | 1 |
| 20251189 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4237478 | 2 of 3 | 2025-05-24 16:10 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-24 16:10 | Cleared | 1 | 1 | 1 | 1 |
| 20251189 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4237479 | 3 of 3 | 2025-05-24 16:10 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-24 16:10 | Cleared | 1 | 1 | 1 | 1 |
| 20251164 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4294372 | 1 of 3 | 2025-06-01 23:10 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-01 23:10 | Cleared | 1 | 1 | 1 | 1 |
| 20251164 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4294373 | 2 of 3 | 2025-06-01 23:10 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-06-01 23:10 | Cleared | 1 | 1 | 1 | 1 |
| 20251164 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4294374 | 3 of 3 | 2025-06-01 23:10 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-06-01 23:10 | Cleared | 1 | 1 | 1 | 1 |
| 20251125 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: CDFI Lender Exempt | 4300173 | 1 of 3 | 2025-06-02 16:14 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-06-02 16:14 | Cleared | 1 | 1 | 1 | 1 |
| 20251125 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: CDFI Lender Exempt | 4300174 | 2 of 3 | 2025-06-02 16:14 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-02 16:14 | Cleared | 1 | 1 | 1 | 1 |
| 20251125 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: CDFI Lender Exempt | 4309976 | 3 of 3 | 2025-06-03 11:40 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-06-03 11:40 | Cleared | 1 | 1 | 1 | 1 |
| 20251179 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4299463 | 1 of 3 | 2025-06-02 15:36 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-06-02 15:36 | Cleared | 1 | 1 | 1 | 1 |
| 20251179 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4299466 | 2 of 3 | 2025-06-02 15:36 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-02 15:36 | Cleared | 1 | 1 | 1 | 1 |
| 20251179 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4299473 | 3 of 3 | 2025-06-02 15:36 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-06-02 15:36 | Cleared | 1 | 1 | 1 | 1 |
| 20251117 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: CDFI Lender Exempt | 4304971 | 1 of 3 | 2025-06-02 20:39 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-02 20:39 | Cleared | 1 | 1 | 3 | 1 |
| 20251117 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: CDFI Lender Exempt | 4305021 | 2 of 3 | 2025-06-02 20:42 | Credit | Income - General | The loan file reflected additional income issues. The co-borrower is 100% of XXXXXX and income used was $XXXXXX. Income documented with Personal Bank statements was $XXXXXX which is confirmed with origination and audited income calculations. Bank statements are also present for XXXXXX which are Business Bank statements for XXXXXX. There is no origination income calculation worksheet present in file. Audited income is $XXXXXX with a 25% expense ratio. This income combined with PS does not equal $XXXXXX. Income used to qualify for the co-borrower is unsupported. Please provide the income calculator for the coborrower. <br>|  | Document Uploaded. - 06/03/2025<br>| The income calculator has been received. Income from the account ending in XXXXXX for XXXXXX was included as income for XXXXXX. After updating the income for XXXXXX (from accounts ending in XXXXXX-business & XXXXXX - personal), the DTI increases from 31% to 37% but is still within guidelines. - 06/04/2025 |  | 2025-06-04 16:10 | Resolved | 3 | 1 | 3 | 1 |
| 20251117 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: CDFI Lender Exempt | 4310589 | 3 of 3 | 2025-06-03 12:48 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-06-03 12:48 | Cleared | 1 | 1 | 3 | 1 |
| 20251136 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4276614 | 1 of 3 | 2025-05-29 22:22 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-29 22:22 | Cleared | 1 | 1 | 1 | 1 |
| 20251136 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4276615 | 2 of 3 | 2025-05-29 22:22 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-05-29 22:22 | Cleared | 1 | 1 | 1 | 1 |
| 20251136 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4287414 | 3 of 3 | 2025-05-30 19:00 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-30 19:00 | Cleared | 1 | 1 | 1 | 1 |
| 20251121 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: CDFI Lender Exempt | 4272917 | 1 of 3 | 2025-05-29 17:52 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-05-29 17:52 | Cleared | 1 | 1 | 1 | 1 |
| 20251121 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: CDFI Lender Exempt | 4285991 | 2 of 3 | 2025-05-30 17:33 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-30 17:33 | Cleared | 1 | 1 | 1 | 1 |
| 20251121 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: CDFI Lender Exempt | 4286067 | 3 of 3 | 2025-05-30 17:36 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-30 17:36 | Cleared | 1 | 1 | 1 | 1 |
| 20251177 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4275114 | 1 of 3 | 2025-05-29 20:23 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-29 20:23 | Cleared | 1 | 1 | 3 | 1 |
| 20251177 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4275118 | 2 of 3 | 2025-05-29 20:23 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-05-29 20:23 | Cleared | 1 | 1 | 3 | 1 |
| 20251177 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4277559 | 3 of 3 | 2025-05-30 04:20 | Credit | Final Settlement Statement Missing. | The final Settlement Statement document is missing. The final settlement statement for XXXXXX is missing from the loan file. <br>|  | Document Uploaded. - 06/03/2025 <br>Document Uploaded. - 05/30/2025<br>| A signed settlement statement has been received. - 06/04/2025<br>The master statement provide is missing the seller, borrower, and settlement agent signatures - 06/03/2025<br>|  | 2025-06-04 11:48 | Resolved | 3 | 1 | 3 | 1 |
| 20251237 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4351983 | 1 of 4 | 2025-06-05 20:27 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-06-23 20:56 | Cleared | 1 | 1 | 3 | 1 |
| 20251237 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4351985 | 2 of 4 | 2025-06-05 20:27 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-06-05 20:27 | Cleared | 1 | 1 | 3 | 1 |
| 20251237 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4351988 | 3 of 4 | 2025-06-05 20:28 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-05 20:28 | Cleared | 1 | 1 | 3 | 1 |
| 20251237 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4359005 | 4 of 4 | 2025-06-06 13:26 | Compliance | Final CD: Prepayment Penalty is missing or inaccurate | If, within the first 60 month(s) beginning with the date Borrower executes the Note (the "Penalty Period"), Borrower makes a full prepayment, or partial prepayment in any twelve (12)-month period that exceeds 33 1/3% of the original principal loan amount, Borrower will pay a prepayment charge as consideration for the Note Holder's acceptance of such prepayment. Unless otherwise prohibited by applicable law or regulation, the prepayment charge will equal three percent (3%) of all payments made within a six (6)-month period that exceed 33 1/3 % of the face amount of the Note. This calculates $XXXXXX. the Final CD states max prepayment $XXXXXX. Review is recommended. Provide the corrected executed Final CD.  |  | Document Uploaded. - 06/20/2025 <br> To clarify: The Closing Disclosure Prepayment Penalty line item states: Yes, prepayment penalty , As high as $XXXXXX if you pay off the loan during the first 5Years. Per the prepayment addendum provided," If, within the first 60 month(s) beginning with the date Borrower executes the Note (the "Penalty Period"), Borrower makes a full prepayment, or partial prepayment in any twelve (12)-month period that exceeds 33 1/3% of the original principal loan amount, Borrower will pay a prepayment charge as consideration for the Note Holder's acceptance of such prepayment. Unless otherwise prohibited by applicable law or regulation, the prepayment charge will equal three percent (3%) of all payments made within a six (6)-month period that exceed 33 1/3 % of the face amount of the Note. This calculates $XXXXXX0 not $XXXXXX listed on the executed Final Closing Disclosure. Please check the calculation listed on the Final Closing Disclosure and provide a revised executed Final Closing Disclosure if the $XXXXXX listed is incorrect. - 06/10/2025 <br> Document Uploaded. Please provide more information. Thank you. - 06/09/2025 | Post Close CD provided with correct Prepayment Penalty information. - 06/23/2025<br> To clarify: The Closing Disclosure Prepayment Penalty line item states: Yes, prepayment penalty , As high as $XXXXXX if you pay off the loan during the first 5Years. Per the prepayment addendum provided," If, within the first 60 month(s) beginning with the date Borrower executes the Note (the "Penalty Period"), Borrower makes a full prepayment, or partial prepayment in any twelve (12)-month period that exceeds 33 1/3% of the original principal loan amount, Borrower will pay a prepayment charge as consideration for the Note Holder's acceptance of such prepayment. Unless otherwise prohibited by applicable law or regulation, the prepayment charge will equal three percent (3%) of all payments made within a six (6)-month period that exceed 33 1/3 % of the face amount of the Note. This calculates $XXXXXX not $XXXXXX listed on the executed Final Closing Disclosure. Please check the calculation listed on the Final Closing Disclosure and provide a revised executed Final Closing Disclosure if the $XXXXXX listed is incorrect. - 06/10/2025<br> To clarify: The Closing Disclosure Prepayment Penalty line item states: Yes, prepayment penalty , As high as $XXXXXX if you pay off the loan during the first 5Years. Per the prepayment addendum provided," If, within the first 60 month(s) beginning with the date Borrower executes the Note (the "Penalty Period"), Borrower makes a full prepayment, or partial prepayment in any twelve (12)-month period that exceeds 33 1/3% of the original principal loan amount, Borrower will pay a prepayment charge as consideration for the Note Holder's acceptance of such prepayment. Unless otherwise prohibited by applicable law or regulation, the prepayment charge will equal three percent (3%) of all payments made within a six (6)-month period that exceed 33 1/3 % of the face amount of the Note. This calculates $XXXXXX not $XXXXXX listed on the executed Final Closing Disclosure. Please check the calculation listed on the Final Closing Disclosure and provide a revised executed Final Closing Disclosure if the $XXXXXX listed is incorrect. - 06/10/2025 |  | 2025-06-23 20:55 | Resolved | 3 | 1 | 3 | 1 |
| 20251175 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4251619 | 1 of 3 | 2025-05-28 02:40 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-28 02:40 | Cleared | 1 | 1 | 3 | 1 |
| 20251175 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4268808 | 2 of 3 | 2025-05-29 14:07 | Compliance | The Final 1003 is Missing | The final 1003 is missing. The Final 1003 is missing. <br>|  | Document Uploaded. - 05/29/2025<br>| The executed Final 1003 was provided and accepted. - 05/30/2025<br>The final 1003 has been provided. - 05/30/2025<br>|  | 2025-05-30 13:11 | Resolved | 3 | 1 | 3 | 1 |
| 20251175 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: CDFI Lender Exempt | 4269605 | 3 of 3 | 2025-05-29 14:48 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-29 14:48 | Cleared | 1 | 1 | 3 | 1 |
| 20251123 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: CDFI Lender Exempt | 4291044 | 1 of 3 | 2025-05-31 11:57 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-31 11:57 | Cleared | 1 | 1 | 1 | 1 |
| 20251123 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: CDFI Lender Exempt | 4299883 | 2 of 3 | 2025-06-02 15:56 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-06-02 15:56 | Cleared | 1 | 1 | 1 | 1 |
| 20251123 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: CDFI Lender Exempt | 4305479 | 3 of 3 | 2025-06-02 21:08 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-06-02 21:08 | Cleared | 1 | 1 | 1 | 1 |

---

## Exhibit 99.28

[GCAT Depositor vi llcabs-15g](gcat2025-abs15g.htm)

**Exhibit 99.28**

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| | |
|:---|:---|
| ![Picture](ex99-01.jpg) |  |
| Client | Redacted |
| Transaction | GCAT 2025-NQM5 |
| Date | 08/18/2025 |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** |
| 20251159 |  |  | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 20251101 |  |  | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 20251141 |  |  | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 20251193 |  |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 20251189 |  |  | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 20251164 |  |  | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 20251125 |  |  | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 20251179 |  |  | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 20251117 |  |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 20251136 |  |  | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 20251121 |  |  | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 20251177 |  |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 D A |
| 20251237 |  |  | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| 20251175 |  |  | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| 20251123 |  |  | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

---

## Exhibit 99.29

[GCAT Depositor vi llcabs-15g](gcat2025-abs15g.htm)

**Exhibit 99.29**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 20251159 |  |  | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1073 Individual Condo Report | XXXXXX | 65.0 | 65.0 | XXXXXX | .00 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 20251101 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 85.0 | 85.0 | XXXXXX | .00 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 20251141 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 37.29 | 37.29 | XXXXXX | .00 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX |
| 20251193 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | .00 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 20251189 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 20251164 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 56.18 | 56.18 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 20251125 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 90.0 | 90.0 | XXXXXX | .00 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX |
| 20251179 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 70.0 | 70.0 | XXXXXX | .00 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX |
| 20251117 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Individual Condo Report | XXXXXX | 75.0 | 75.0 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 20251136 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 65.0 | 65.0 | XXXXXX | .00 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 20251121 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | .00 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 20251177 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 70.0 | 70.0 | XXXXXX | .00 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX |
| 20251237 |  |  | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Small Residential Income Report | XXXXXX | 50.76 | 50.76 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 20251175 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Small Residential Income Report | XXXXXX | 80.0 | 80.0 | XXXXXX | .00 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 20251123 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX Eligible |  |  |

---

## Exhibit 99.30

[GCAT Depositor vi llcabs-15g](gcat2025-abs15g.htm)

**Exhibit 99.30**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower1 SSN** | **Borrower2 SSN** | **Borrower 3 SSN** | **Borrower 4 SSN** | **First Time Homebuyer** | **Number of Units** | **Maturity Date** | **Note Type** | **Loan Type** | **Refinance Purpose** | **Borrower 1 Mailing Street Address** | **Borrower 1 Mailing City** | **Borrower 1 Mailing State** | **Borrower 1 Mailing Zip Code** | **Borrower 2 Mailing Street Address** | **Borrower 2 Mailing City** | **Borrower 2 Mailing State** | **Borrower 2 Mailing Zip Code** | **Borrower 3 Mailing Street** | **Borrower 3 Mailing City** | **Borrower 3 Mailing State** | **Borrower 3 Mailing Zip** | **Borrower 4 Mailing Street** | **Borrower 4 Mailing City** | **Borrower 4 Mailing Zip** | **Borrower 4 Mailing State** | **Prepay Penalty Calculation Description** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 1 Employer** | **Borrower 1 Position** | **Borrower 2 Employer** | **Borrower 2 Position** | **Borrower 3 Employer** | **Borrower 3 Position** | **Borrower 4 Employer** | **Borrower 4 Position** | **First Time Investor** | **Borrower 1 Years in Industry** | **Borrower 2 Years in Industry** | **Borrower 3 Years in Industry** | **Borrower 4 Years in Industry** | **Borrower 1 ITIN** | **Borrower 2 ITIN** | **Borrower 3 ITIN** | **Borrower 4 ITIN** | **Original Appraiser License Number** | **Original Appraiser Name** |
| 20251159 |  |  | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: CDFI Lender Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX |  | Monthly | 45.00% | 45.01% | 45.01% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 84 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  | 809 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 34.9 | XXXXXX | 83.8 | No | 65 | Yes | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXXXX | XXXXXX |  |  | false | 1 | XXXXXX | Fixed | Conventional | Cash Out - Other | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | No | 30.00 | 0.00 |  |  | N/A | N/A |  |  | XXXXXX | XXXXXX |
| 20251101 |  |  | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: CDFI Lender Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.500% | 7.500% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | N/A |  |  | XXXXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.381 | 1.381 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | XXXXXX | 20.4 | XXXXXX | 20.4 | No | 85 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | DSCR | NA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX |
| 20251141 |  |  | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: CDFI Lender Exempt | Yes | No | No | N/A | N/A | 4270.00 | XXXXXX | 6.740% | Manual Underwriting | Manual Underwriting | No | 7.481% |  | 6.990% | 6.990% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A | XXXXXX | XXXXXX | XXXXXX |  | Monthly | 41.03% | 41.03% | 41.03% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | W2 Verified | 1 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | Work Number |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Lease Agreements Verified - 2024 - 2024 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 - 2024 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 97 | XXXXXX | 97 | No | 37.29 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | NA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | No | 25.00 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX |
| 20251193 |  |  | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: CDFI Lender Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | N/A |  |  | XXXXXX |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 1.068 | 1.068 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act Information Form | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 185.5 | XXXXXX | 185.5 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXXXX | XXXXXX |  |  | false | 1 | XXXXXX | Fixed | DSCR | NA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  | 6 Months Interest | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.00 | 0.00 |  |  | N/A | N/A |  |  | XXXXXX | XXXXXX |
| 20251189 |  |  | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: CDFI Lender Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | N/A | XXXXXX | XXXXXX | XXXXXX |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.098 | 1.098 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 32.1 | XXXXXX | 32.1 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | DSCR | NA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.00 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX |
| 20251164 |  |  | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: CDFI Lender Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | N/A |  |  | XXXXXX |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 1.198 | 1.198 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 98.5 | XXXXXX | 98.5 | No | 56.18 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXXXX | XXXXXX |  |  | false | 1 | XXXXXX | Fixed | DSCR | NA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  | 6 Months Interest | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 0.00 | 0.00 |  |  | N/A | N/A |  |  | XXXXXX | XXXXXX |
| 20251125 |  |  | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: CDFI Lender Exempt | Yes | No | No | N/A | N/A | 9295.00 | XXXXXX | 6.800% | Manual Underwriting | Manual Underwriting | No | 8.340% |  | 8.125% | 8.125% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 17.66% | 17.66% | 17.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 34 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 24.9 | XXXXXX | 24.9 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | NA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  |  | 12.17 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX |
| 20251179 |  |  | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: CDFI Lender Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | N/A | XXXXXX | XXXXXX | XXXXXX |  | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 1.18 | 1.18 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 19.9 | XXXXXX | 19.9 | No | 70 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXXXX | XXXXXX |  |  | false | 1 | XXXXXX | Fixed | DSCR | NA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  | 6 Months Interest | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.00 | 0.00 |  |  | N/A | N/A |  |  | XXXXXX | XXXXXX |
| 20251117 |  |  | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: CDFI Lender Exempt | Yes | Yes | No | N/A | N/A | 4627.19 | XXXXXX | 6.800% | Manual Underwriting | Manual Underwriting | No | 8.374% |  | 7.750% | 7.750% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX |  | Monthly | 31.01% | 37.29% | 37.29% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 12 | 0 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 36 | Yes | 120 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SECorporation - CPA Letter Verified, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 9.2 | XXXXXX | 9.2 | No | 75 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXXXX | XXXXXX |  |  | true | 1 | XXXXXX | Fixed | Conventional | NA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  | 5.00 | 10.33 |  |  | N/A | N/A |  |  | XXXXXX | XXXXXX |
| 20251136 |  |  | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: CDFI Lender Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 21.50% | 21.49% | 21.49% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Third-Party Prepared (Unaudited) | 16 | Tax Preparer | Third-Party Prepared (Unaudited) | Tax Preparer | 16 | Yes | 24 | Yes | 24 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | Yes | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 \|\| Co Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified, null Lease Agreements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 148.8 | XXXXXX | 148.8 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXXXX | XXXXXX |  |  | false | 1 | XXXXXX | Fixed | Conventional | NA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  | 6 Months Interest | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  | No | 10.00 | 10.00 |  |  | N/A | N/A |  |  | XXXXXX | XXXXXX |
| 20251121 |  |  | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: CDFI Lender Exempt | Yes | No | No | N/A | N/A | 22711.04 | XXXXXX | 6.740% | Manual Underwriting | Manual Underwriting | No | 7.918% |  | 7.500% | 7.500% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 34.05% | 34.05% | 34.05% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 15 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | Yes | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 119.3 | XXXXXX | 119.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | NA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  |  | 20.00 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX |
| 20251177 |  |  | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: CDFI Lender Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | N/A |  |  | XXXXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.082 | 1.082 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 47.8 | XXXXXX | 47.8 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | DSCR | NA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.00 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX |
| 20251237 |  |  | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: CDFI Lender Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.000% | 7.000% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | N/A |  |  | XXXXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.06 | 1.06 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0 | XXXXXX | 92.8 | No | 50.76 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | XXXXXX | 2 | XXXXXX | Fixed | DSCR | Cash Out - Other | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | 3% | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX |
| 20251175 |  |  | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: CDFI Lender Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | N/A |  |  | XXXXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.186 | 1.186 | Yes | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 16.5 | XXXXXX | 16.5 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 2 | XXXXXX | Fixed | DSCR | NA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.00 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX |
| 20251123 |  |  | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: CDFI Lender Exempt | Yes | No | No | N/A | N/A | 38447.10 | XXXXXX | 6.800% | Manual Underwriting | Manual Underwriting | No | 9.272% |  | 8.990% | 8.990% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 52.72% | 52.27% | 52.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 673 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 12.5 | XXXXXX | 12.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | NA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  |  | 10.00 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX |

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## Exhibit 99.31

[GCAT Depositor vi llcabs-15g](gcat2025-abs15g.htm)

**Exhibit 99.31**

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 20251117 |  |  | Qualifying Total Debt Income Ratio | XXXXXX | XXXXXX | XXXXXX |
| 20251121 |  |  | Note Date | XXXXXX | XXXXXX | XXXXXX |
| 20251177 |  |  | Qualifying Total Monthly Liabilities | XXXXXX | XXXXXX | XXXXXX |
| 20251123 |  |  | Qualifying Total Monthly Liabilities | XXXXXX | XXXXXX | XXXXXX |
| 20251123 |  |  | Qualifying Total Debt Income Ratio | XXXXXX | XXXXXX | XXXXXX |

---