# EDGAR Filing Document

**Accession Number:** 0001547361
**File Stem:** 0001999371-26-004643
**Filing Date:** 2026-2
**Character Count:** 1550805
**Document Hash:** f56578cd57979f69ce7f3e6272a3b369
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-26-004643.hdr.sgml**: 20260227

**ACCESSION NUMBER**: 0001999371-26-004643

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

**PUBLIC DOCUMENT COUNT**: 23

**CONFORMED PERIOD OF REPORT**: 20260227

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

**FILED AS OF DATE**: 20260227

**DATE AS OF CHANGE**: 20260227

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Morgan Stanley Capital I Inc.
- **CENTRAL INDEX KEY:** 0001547361
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 133291626
- **STATE OF INCORPORATION:** DE

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01951
- **FILM NUMBER:** 26701731

**BUSINESS ADDRESS:**
- **STREET 1:** 1585 BROADWAY
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10036
- **BUSINESS PHONE:** 212-761-4000

**MAIL ADDRESS:**
- **STREET 1:** 1585 BROADWAY
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10036
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Morgan Stanley Capital I Inc.
- **CENTRAL INDEX KEY:** 0001547361
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 133291626
- **STATE OF INCORPORATION:** DE

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

**BUSINESS ADDRESS:**
- **STREET 1:** 1585 BROADWAY
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10036
- **BUSINESS PHONE:** 212-761-4000

**MAIL ADDRESS:**
- **STREET 1:** 1585 BROADWAY
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10036

OMB Number: 3235-0675

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

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

**<u>MORGAN STANLEY CAPITAL I INC.</u>**

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

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

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer: __________________

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

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

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

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

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

Central Index Key Number of depositor: <u>0001547361</u>

<u>MORGAN STANLEY RESIDENTIAL MORTGAGE LOAN TRUST 2026-1</u>

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

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

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

Chris Scott, (212) 761-4940

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

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

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

**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.

---

| | | |
|:---|:---|:---|
|  | **MORGAN STANLEY CAPITAL I INC.** | **MORGAN STANLEY CAPITAL I INC.** |
| Date: February 27, 2026 | By: | /s/ Chris Scott |
|  | Name: | Chris Scott |
|  | Title: | Authorized Signatory |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

99.1 [Third Party Due Diligence Report - Ernst & Young LLP Report of Independent Accountants on Applying Agreed-Upon Procedures](ex99-1.htm)

99.2 [Third Party Due Diligence Report - AMC Diligence, LLC Executive Summary](ex99-2.htm)

[Schedule 1 - Data Compare Report](ex99-2s1.htm)

[Schedule 2 - Exception Grades Report](ex99-2s2.htm)

[Schedule 3 - Rating Agency Grades Report](ex99-2s3.htm)

[Schedule 4 - Valuation Summary Report](ex99-2s4.htm)

99.3 [Third Party Due Diligence Report - Consolidated Analytics, Inc. Executive Summary](ex99-3.htm)

[Schedule 1 - Data Compare Report](ex99-3s1.htm)

[Schedule 2 - Due Diligence Standard Report](ex99-3s2.htm)

[Schedule 3 - Rating Agency Grades Summary Report](ex99-3s3.htm)

[Schedule 4 - Valuations Summary Report](ex99-3s4.htm)

99.4 [Third Party Due Diligence Report - Selene Diligence LLC Due Diligence Review Narrative](ex99-4.htm)

[Schedule 1 - Data Compare Report](ex99-4s1.htm)

[Schedule 2 - Rating Agency Grades Summary Report](ex99-4s2.htm)

[Schedule 3 - Standard Findings Report](ex99-4s3.htm)

[Schedule 4 - Supplemental Data Extract Report](ex99-4s4.htm)

[Schedule 5 - Valuation Report](ex99-4s5.htm)

## Exhibit 99.1

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.1**

---

| | | |
|:---|:---|:---|
| ![i](ex91001.jpg) | &nbsp;&nbsp; <br> Ernst & Young LLP<br>One Manhattan West<br>New York, NY 10001<br>| <br> Tel: +1 212 773 3000<br>ey.com<br>|

---

**Report of Independent Accountants on Applying Agreed-Upon Procedures**

Morgan Stanley Mortgage Capital Holdings LLC (the "Sponsor") Morgan Stanley Capital I Inc. (the "Depositor") Morgan Stanley & Co. LLC (the "Initial Purchaser") 1585 Broadway New York, New York 10036 27 February 2026

---

| | |
|:---|:---|
| **Re:** | **Morgan Stanley Residential Mortgage Loan Trust 2026-1 (the "Issuing Entity")** |

---

**Mortgage Pass-Through Certificates, Series 2026-1 (the "Certificates")**

**Sample Mortgage Loan Agreed-Upon Procedures**

We have performed the procedures enumerated in Attachment A, which were agreed to and acknowledged as appropriate by the Sponsor, Depositor and Initial Purchaser (collectively, the "Specified Parties"), for the intended purpose of assisting the Specified Parties in evaluating the accuracy of certain information with respect to a pool of mortgage loans (the "Mortgage Loans") relating to the Issuing Entity's securitization transaction. This report may not be suitable for any other purpose. The procedures performed may not address all of the items of interest to a user of the report and may not meet the needs of all users of the report and, as such, users are responsible for determining whether the procedures performed are appropriate for their purposes. The appropriateness of these procedures is solely the responsibility of the Specified Parties identified in this report. No other party acknowledged the appropriateness of the procedures. Consequently, we make no representation regarding the appropriateness of the procedures described in Attachment A, either for the purpose for which this report has been requested or for any other purpose.

The procedures performed and our associated findings are included in Attachment A.

For the purpose of the procedures described in this report, the Initial Purchaser, on behalf of the Depositor, provided us with:

a. Electronic
 data files (collectively, the "Provided Data Files"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Labeled
 "MSRM 2026-1 Prelim Population.xlsx" (the "Loan Listing Data File"),
 that the Initial Purchaser, on behalf of the Depositor, indicated contains a list of
 identification numbers (each, an "Investor Loan ID") relating to certain
 mortgage loans (the "Loan Listing Mortgage Loans") which are expected
 to be representative of the Mortgage Loans and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Labeled "MSRM
 2026-1_EY_TAPE_V2.xlsx" and the corresponding record layout and decode information,
 as applicable (the "Preliminary Data File"), that the Initial Purchaser,
 on behalf of the Depositor, indicated contains information as of 1 March 2026
 (the "Cut-off Date") relating to certain mortgage loans (the "Preliminary
 Mortgage Loans"), which are expected to be representative of the Mortgage Loans,

---

| | |
|:---|:---|
| ![](ex91001.jpg) | <br> Page 2 of 3 |

---

b. Imaged
 copies of the following items (collectively, the "Source Documents"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Promissory
 note (the "Note"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Credit
 report (the "Credit Report"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Loan
 application and/or occupancy affidavit (collectively and as applicable, the "Application"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Underwriting
 summary, summary of findings, loan product advisor feedback certificate and/or conditional
 underwriting approval (collectively and as applicable, the "Underwriting Summary"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Appraisal
 report (the "Appraisal"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Fraud
 report (the "Fraud Report"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Contract
 for the sale and purchase of real estate, assignment of purchase contract interest and/or
 sale escrow instructions (collectively and as applicable, the "Sale Contract")
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Settlement
 statement or closing disclosure (collectively and as applicable, the "Settlement
 Statement")

that the Initial Purchaser, on behalf of the Depositor, indicated relate to the Sample Mortgage Loans (as defined in Attachment A),

c. The
 list of relevant characteristics (the "Sample Characteristics") on the
 Preliminary Data File, which is shown on Exhibit 1 to Attachment A, and

d. Instructions,
 assumptions and methodologies, which are described in Attachment A.

For the purpose of the procedures described in this report, certain information contained on the Preliminary Data File is the "Subject Matter" as of the date of this report.

The procedures included in Attachment A were limited to comparing or recalculating certain information that is further described in Attachment A. The Depositor is responsible for the Subject Matter, Provided Data Files, Source Documents, Sample Characteristics and the determination of the instructions, assumptions and methodologies that are described herein. We were not requested to perform, and we have not performed, any procedures other than those listed in Attachment A. We have not verified, and we make no representation as to, the accuracy, completeness or reasonableness of the Loan Listing Data File, Source Documents or any other information provided to us, or that we were instructed to obtain, as applicable, by the Initial Purchaser, on behalf of the Depositor, upon which we relied in forming our findings. Accordingly, we make no representation and express no opinion or conclusion as to (a) the existence of the Preliminary Mortgage Loans or Mortgage Loans, (b) questions of legal or tax interpretation or (c) the appropriateness, accuracy, completeness or reasonableness of any instructions, assumptions or methodologies provided to us by the Initial Purchaser, on behalf of the Depositor, that are described in this report. We undertake no responsibility to update this report for events and circumstances occurring after the date hereof.

---

| | |
|:---|:---|
| ![](ex91001.jpg) | <br> Page 3 of 3 |

---

This agreed-upon procedures engagement was conducted in accordance with attestation standards established by the American Institute of Certified Public Accountants (the "AICPA"). An agreed-upon procedures engagement involves the practitioner performing specific procedures that the Specified Parties have agreed to and acknowledged to be appropriate for the purpose of the engagement and reporting on findings based on the procedures performed. We were not engaged to, and did not, conduct an examination to express an opinion or a review to express a conclusion in accordance with attestation standards established by the AICPA on any of the items referred to herein. Accordingly, we do not express such an opinion or conclusion. Had we performed additional procedures, other matters might have come to our attention that would have been reported to you.

The agreed-upon procedures described in this report were not performed for the purpose of:

a. Satisfying
 any criteria for due diligence published by a nationally recognized statistical rating
 organization (a "rating agency") or

b. Making
 any findings with respect to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Whether
 the origination of the Mortgage Loans conformed to, or deviated from, stated underwriting
 or credit extension guidelines, standards, criteria, or other requirements,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 value of the collateral securing the Mortgage Loans,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Whether
 the originator(s) of the Mortgage Loans complied with federal, state or local laws or
 regulations or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Any
 other factor or characteristic of the Mortgage Loans that would be material to the likelihood
 that the issuer of the Certificates will pay interest and principal in accordance with
 applicable terms and conditions.

We are required to be independent of the Depositor and to meet our other ethical responsibilities, as applicable, for agreed-upon procedures engagements set forth in the Preface: Applicable to All Members and Part 1 – Members in Public Practice of the Code of Professional Conduct established by the AICPA. Independence requirements for agreed-upon procedures engagements are less restrictive than independence requirements for audit and other attestation services.

This report is intended solely for the information and use of the Specified Parties and is not intended to be, and should not be, used by anyone other than the Specified Parties. It is not intended to be, and should not be, used by any other person or entity, including investors and rating agencies, who are not identified in the report as Specified Parties but who may have access to this report as required by law or regulation.

/s/ Ernst & Young LLP

27 February 2026

---

| | |
|:---|:---|
| ![](ex91001.jpg) | <br>**Attachment A** |

---

**<u>Procedures performed and our associated findings</u>**

1. As
 instructed by the Initial Purchaser, on behalf of the Depositor, we randomly selected
 a sample of 108 Loan Listing Mortgage Loans from the Loan Listing Data File (the "Sample
 Mortgage Loans"). For the purpose of this procedure, the Initial Purchaser, on
 behalf of the Depositor, did not inform us as to the basis for how they determined the
 number of Sample Mortgage Loans or the methodology they instructed us to use to select
 the Sample Mortgage Loans from the Loan Listing Data File.

For the purpose of the procedures described in this report, the 108 Sample Mortgage Loans are referred to as Sample Mortgage Loan Numbers 1 through 108.

2. For
 each mortgage loan on the Loan Listing Data File and Preliminary Data File, we compared
 the Investor Loan ID, as shown on the Loan Listing Data File, to the corresponding Investor
 Loan ID, as shown on the Preliminary Data File, and noted that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. All
 of the Preliminary Mortgage Loans included on the Preliminary Data File were included
 on the Loan Listing Data File and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. One
 of the Loan Listing Mortgage Loans included on the Loan Listing Data File was not included
 on the Preliminary Data File, which was not a Sample Mortgage Loan.

3. For
 each Sample Mortgage Loan, we compared the Sample Characteristics listed on Exhibit 1
 to Attachment A, as shown on the Preliminary Data File, to the corresponding information
 located in, or to the corresponding information we recalculated using information located
 in, the Source Documents or Preliminary Data File, as applicable, subject to the instructions,
 assumptions and methodologies provided by the Initial Purchaser, on behalf of the Depositor,
 described in the notes to Exhibit 1 to Attachment A. The Source Document(s)
 that we were instructed by the Initial Purchaser, on behalf of the Depositor, to use
 for each Sample Characteristic are shown on Exhibit 1 to Attachment A. All
 such compared information was found to be in agreement.

**Exhibit 1 to Attachment A** <br> Page 1 of 5

**<u>Sample Characteristics and Source Documents</u>**

---

| | | |
|:---|:---|:---|
| **Sample Characteristic** | **Preliminary**<br> **Data File Field Name** | &nbsp;&nbsp;**Source Document(s)** |
| Loan number | Loan Number | &nbsp;&nbsp;Note |
| Original principal balance | Original Principal Balance | &nbsp;&nbsp;Note |
| Original interest rate | Original Interest Rate | &nbsp;&nbsp;Note |
| First payment date | First Payment Date | &nbsp;&nbsp;Note |
| Maturity date | Maturity Date | &nbsp;&nbsp;Note |
| Property state | Property State | &nbsp;&nbsp;Note |
| Property zip code | Property Zip Code | &nbsp;&nbsp;Note |
| Original term | Original Term | &nbsp;&nbsp;(a) Note or<br>(b) Note and recalculation<br>|
| Original interest only term | Original Interest Only Term | &nbsp;&nbsp;Note |
| Prepayment charge term | Prepayment Charge Term | &nbsp;&nbsp;Note |
| Occupancy status | Occupancy Status | &nbsp;&nbsp;Application or Underwriting Summary |
| Appraisal value | Appraisal Value | &nbsp;&nbsp;Appraisal |
| Property type | Property Type | &nbsp;&nbsp;Appraisal or Underwriting Summary |
| Sale price (if applicable) | Sale Price | &nbsp;&nbsp;Sale Contract or Settlement Statement |
| Loan purpose | Loan Purpose | &nbsp;&nbsp;Application, Fraud Report, Credit Report or recalculation |
| Junior lien balance | Junior Lien Balance | &nbsp;&nbsp;Underwriting Summary, Application, Settlement Statement or Credit Report |
| Original loan-to-value ratio | Original LTV | &nbsp;&nbsp;Recalculation |
| Combined loan-to-value ratio | Original Combined LTV | &nbsp;&nbsp;Recalculation |

---

**Exhibit 1 to Attachment A**<br> Page 2 of 5

**<u>Notes</u>:**

i. The
 loan number Sample Characteristic is for identification purposes only.

ii. For
 the purpose of comparing the original term Sample Characteristic for any Sample Mortgage
 Loan that does not have the original term specifically stated in the Note, the Initial
 Purchaser, on behalf of the Depositor, instructed us to use the sum of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The
 difference in months between the maturity date and first payment date, both as shown
 in the Note, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) 1.

iii. For
 the purpose of comparing any Sample Characteristic listing the Application as a Source
 Document for any Sample Mortgage Loan for which the Initial Purchaser, on behalf of the
 Depositor, provided more than one Application, the Initial Purchaser, on behalf of the
 Depositor, instructed us to use the most recent Application as the Source Document.

iv. For
 the purpose of comparing the occupancy status Sample Characteristic, the Initial Purchaser,
 on behalf of the Depositor, instructed us to note agreement if the value on the Preliminary
 Data File agreed with the corresponding information in at least one of the Source Documents
 listed for such Sample Characteristic. We performed no procedures to reconcile any differences
 that may exist relating to the information in the Source Documents relating to the occupancy
 status Sample Characteristic.

v. For
 the purpose of comparing any Sample Characteristic listing the Appraisal as a Source
 Document for any Sample Mortgage Loan for which the Initial Purchaser, on behalf of the
 Depositor, provided more than one Appraisal, the Initial Purchaser, on behalf of the
 Depositor, instructed us to use the Appraisal with the lowest appraisal value as the
 Source Document.

**Exhibit 1 to Attachment A**<br> Page 3 of 5

vi. For
 the purpose of comparing the property type Sample Characteristic, the Initial Purchaser,
 on behalf of the Depositor, instructed us to note agreement if the value on the Preliminary
 Data File agreed with the corresponding information in at least one of the Source Documents
 listed for such Sample Characteristic. We performed no procedures to reconcile any differences
 that may exist relating to the information in the Source Documents relating to the property
 type Sample Characteristic.

For the purpose of comparing the property type Sample Characteristic, the Initial Purchaser, on behalf of the Depositor, instructed us to note agreement with a property type of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) "Townhouse"
 if the design (style) is "Twnhse," "Townhouse," "TownHm"
 or "TownHome,"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) "Townhouse"
 if the type is "S-Det./End Unit" and the Appraisal indicates that HOA dues
 are required,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) "1 Family
 Attached" if the type is "S-Det./End Unit" and the design (style) is "Row,"
 "Duplex," "Semi-Det," "COL," "Semi,"
 "MillHse," "Ranch," "Row House," "Twin,"
 "SD2;Colonial-ED" or "Raised Beach" or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) "1 Family
 Attached" if the design (style) is "Townhouse" and the Appraisal indicates
 that no HOA dues are required,

as shown in the applicable Source Document.

vii. For
 the purpose of comparing any Sample Characteristic listing the Settlement Statement as
 a Source Document for any Sample Mortgage Loan for which the Initial Purchaser, on behalf
 of the Depositor, provided more than one Settlement Statement, the Initial Purchaser,
 on behalf of the Depositor, instructed us to use the most recent Settlement Statement
 as the Source Document.

viii. For
 the purpose of comparing the sale price Sample Characteristic, the Initial Purchaser,
 on behalf of the Depositor, instructed us to note agreement if the value on the Preliminary
 Data File agreed with the corresponding information in at least one of the Source Documents
 listed for such Sample Characteristic. We performed no procedures to reconcile any differences
 that may exist relating to the information in the Source Documents relating to the sale
 price Sample Characteristic.

**Exhibit 1 to Attachment A**<br> Page 4 of 5

ix. For
 the purpose of comparing the loan purpose Sample Characteristic for any Sample Mortgage
 Loan with a loan purpose of "First Time Home Purchase" or "Other-than-first-time
 Home Purchase," as shown on the Preliminary Data File (each, a "Purchase
 Sample Mortgage Loan"), the Initial Purchaser, on behalf of the Depositor, instructed
 us to note agreement if the value on the Preliminary Data File agreed with the corresponding
 information in at least one of the Source Documents listed for such Sample Characteristic.
 We performed no procedures to reconcile any differences that may exist relating to the
 information in the Source Documents relating to the loan purpose Sample Characteristic
 for any Purchase Sample Mortgage Loan.

For any remaining Sample Mortgage Loan (each, a "Refinanced Sample Mortgage Loan"), the Initial Purchaser, on behalf of the Depositor, instructed us to calculate the "Amount to Borrower" as the difference between the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Original
 principal balance, as shown in the Note, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Sum
 of the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Unpaid
 principal balance of any previous mortgage loan that is being refinanced, as shown in
 the Settlement Statement, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) Total
 closing costs relating to the Refinanced Sample Mortgage Loan, as shown in the Settlement
 Statement.

For any Refinanced Sample Mortgage Loan, the Initial Purchaser, on behalf of the Depositor, instructed us to note agreement with a loan purpose of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) "Refinance
 – Cash Out" if the Amount to Borrower is greater than the lesser of (i) $2,000
 and (ii) 1% of the original principal balance, as shown in the Note, or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) "Refinance
 – Rate Term" for each remaining Refinanced Sample Mortgage Loan.

x. For
 the purpose of comparing the junior lien balance Sample Characteristic, the Initial Purchaser,
 on behalf of the Depositor, instructed us to note agreement if the value on the Preliminary
 Data File agreed with the corresponding information in at least one of the Source Documents
 listed for such Sample Characteristic. We performed no procedures to reconcile any differences
 that may exist relating to the information in the Source Documents relating to the junior
 lien balance Sample Characteristic.

xi. The
 Initial Purchaser, on behalf of the Depositor, instructed us to use:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) For
 any Purchase Sample Mortgage Loan, the lesser of the (1) appraisal value, as shown in
 the Appraisal, and (2) sale price, as shown in the Sale Contract or Settlement Statement
 or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) For
 any Refinanced Sample Mortgage Loan, the appraisal value, as shown in the Appraisal,

as the "Value for LTV."

xii. For
 the purpose of comparing the original loan-to-value ratio Sample Characteristic, the
 Initial Purchaser, on behalf of the Depositor, instructed us to use the quotient (rounded
 to the fourth decimal place (X.XXXX)) of the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Original
 principal balance, as shown in the Note, divided by

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Value
for LTV.

xiii. For
 the purpose of comparing the combined loan-to-value ratio Sample Characteristic, the
 Initial Purchaser, on behalf of the Depositor, instructed us to use the quotient (rounded
 to the fourth decimal place (X.XXXX)) of the:

**Exhibit 1 to Attachment A**<br> Page 5 of 5

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Sum
 of the original principal balance, as shown in the Note, and junior lien balance, as
 shown in the applicable Source Document(s), divided by

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Value
 for LTV.

xiv. For
 the purpose of comparing the original loan-to-value ratio and combined loan-to-value
 ratio Sample Characteristics, the Initial Purchaser, on behalf of the Depositor, instructed
 us to ignore differences of +/- 0.0001 or less.

We performed no procedures to determine the accuracy, completeness or reasonableness of the instructions, assumptions and methodologies provided by the Initial Purchaser, on behalf of the Depositor, that are described in the notes above.

## Exhibit 99.2

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.2**

![](ex992001.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 originated by multiple correspondent lenders and acquired from various parties by Morgan Stanley Mortgage Capital Holdings LLC and/or one of its affiliates (the "Client"). AMC performed the Review either (i) directly for Client on mortgage loan files provided by Client to AMC, or (ii) for third parties on mortgage loan files provided by such parties to AMC with results of such Review conveyed to the Client via Reliance Letter. The Review (including the Review related to Reliance Letter loans) was conducted from May 2025 through December 2025 on mortgage loans with origination dates from May 2025 through December 2025.

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

The Review was conducted on two hundred eleven (211) mortgage loans with an aggregate original principal balance of approximately $253.449 million.

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

AMC is not aware of the overall sample size for the securitization as the Review only covered the portion of the loans in the securitization reviewed by AMC.

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

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Borrower Mailing Street | &nbsp;&nbsp;Coborrower Mailing City | &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;Original HCLTV | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Borrower Mailing Zip | &nbsp;&nbsp;Coborrower Mailing State | &nbsp;&nbsp;Initial Rate Lock Date | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Borrower Middle Name | &nbsp;&nbsp;Coborrower Mailing Street | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;Coborrower Mailing Zip | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;Coborrower Middle Name | &nbsp;&nbsp;Lender | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Borrower Birth Date | &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Total Cash-out |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;City | &nbsp;&nbsp;Coborrower Self-Employed? | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;Universal Loan Identifier (ULI) |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Coborrower Birth Date | &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;PITIA Reserves Months |  |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Prepayment Penalty |  |
| &nbsp;&nbsp;Borrower Mailing City | &nbsp;&nbsp;Coborrower FTHB | &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Product Description |  |
| &nbsp;&nbsp;Borrower Mailing State | &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Property Type |  |

---

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

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

AMC reviewed asset origination documentation to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to AMC 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.

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

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

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

**Employment and Income:** AMC determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn't fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with 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, and (vi) IRS tax transcripts.

**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 debt-to-income ("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.

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

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

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

**Title Review:** AMC's review included 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(s) 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.

If standard GSE forms were not used for the mortgage loan, AMC sought to confirm the existence of: (i) a "due on sale" clause, (ii) mortgagor's requirement to maintain adequate insurance at the mortgagor's own expense, and (iii) the holder's right to foreclose and to confirm that any homestead exemption has been waived as required by applicable law within the forms utilized.

**(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 guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

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

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area after the valuation date and notifying 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 or if it was not directly accessible that another valuation product that was directly accessible to AMC was ordered in accordance with the Client's specific valuation waterfall process.

If more than one valuation was provided, AMC confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, AMC created an exception and worked with the client on the next steps which may include the ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in AMC's review resulted in a variance of more than 10% then the client was notified of such variance and a second independent valuation product was ordered.

AMC also considered processes that included Fannie Mae's Collateral Underwriter (CU) or Freddie Mac Loan Collateral Advisor (LCA) on one-unit single-family homes and condos for GSE eligible loans. No additional property value due diligence was completed in cases where CU/LCA indicated that appraisal risk was consistent with the respective GSE's day one RW&E relief. Freddie Mac's Home Value Explorer (HVE) was also considered an acceptable secondary valuation product for GSE-related transactions. If the CU/LCA risk score was ineligible for GSE RW&E relief, then AMC compared a third valuation product (such as a field review) to the original appraisal.

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

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

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

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

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instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by AMC are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. AMC does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by AMC.

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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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;

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;

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

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

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

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

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

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

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

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

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

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

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

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

&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.

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**(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, |

---

---

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

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

---

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

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

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

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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.

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;**

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
TIL;

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

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

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

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**(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.).

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.

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of DBRS, Inc. ("DBRS"), Fitch Ratings, Inc. ("Fitch"), Kroll Bond Rating Agency, LLC ("Kroll"), and Moody's Investors Service, Inc. ("Moody's").

**OVERALL RESULTS SUMMARY**

There were two hundred eleven (211) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria, ninety-seven (97) (45.97%) loans had an Overall grade of "A," and one hundred fourteen (114) (54.03%) loan had an Overall loan grade of "B."

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;97 | &nbsp;&nbsp;45.97% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;114 | &nbsp;&nbsp;54.03% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**COMPLIANCE RESULTS SUMMARY**

Of the two hundred eleven (211) loans reviewed, under the applicable NRSRO grading criteria, one hundred (100) loans had a Compliance "B" grade. Loans with a Compliance grade of "B" have multiple compliance exceptions; however, none are lower than a grade of "B."

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;111 | &nbsp;&nbsp;52.61% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;100 | &nbsp;&nbsp;47.39% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**CREDIT RESULTS SUMMARY**

Of the two hundred eleven (211) mortgage loans, under the applicable NRSRO grading criteria, 85.31% of the total received an "A" Credit grade. The thirty-one (31) "B" Credit grades were due to missing documentation and/or guideline adherence. Exceptions were offset by strong compensating factors such as high disposable income, low LTV, and/or high liquid assets.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;180 | &nbsp;&nbsp;85.31% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;31 | &nbsp;&nbsp;14.69% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**PROPERTY/VALUATION RESULTS SUMMARY**

Of the two hundred eleven (211) mortgage loans, under the applicable NRSRO grading criteria, all loans received an "A" Property grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;211 | &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% |

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**EXCEPTION CATEGORY SUMMARY**

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

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception <br> Type** | &nbsp;&nbsp;**Final <br> Exception <br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;93 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;36 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;30 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Flood | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***171*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**171** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;28 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Documents | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***32*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**32** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**203** |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the two hundred eleven (211) mortgage loans reviewed, one hundred fifty-two (152) (72.04%) mortgage loans had three hundred seventy-six (376) tape discrepancies across thirty-five (35) unique data fields. The most common tape discrepancies were Borrower Middle Name, Borrower Mailing Street and Coborrower Middle Name. AMC found generally that the DTI discrepancies were due to differences in calculating complex incomes; while the data differed, the resulting ratios generally remained within guidelines.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**% <br> Variance** | &nbsp;&nbsp;**# Of <br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;113 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;117 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;53 | &nbsp;&nbsp;1.89% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;92 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Borrower Birth Date | &nbsp;&nbsp;19 | &nbsp;&nbsp;113 | &nbsp;&nbsp;16.81% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;12 | &nbsp;&nbsp;111 | &nbsp;&nbsp;10.81% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;205 | &nbsp;&nbsp;2.93% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;10 | &nbsp;&nbsp;22 | &nbsp;&nbsp;45.45% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;205 | &nbsp;&nbsp;0.98% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Borrower Mailing City | &nbsp;&nbsp;18 | &nbsp;&nbsp;101 | &nbsp;&nbsp;17.82% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Borrower Mailing State | &nbsp;&nbsp;4 | &nbsp;&nbsp;101 | &nbsp;&nbsp;3.96% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Borrower Mailing Street | &nbsp;&nbsp;35 | &nbsp;&nbsp;101 | &nbsp;&nbsp;34.65% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Borrower Mailing Zip | &nbsp;&nbsp;24 | &nbsp;&nbsp;101 | &nbsp;&nbsp;23.76% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Borrower Middle Name | &nbsp;&nbsp;52 | &nbsp;&nbsp;59 | &nbsp;&nbsp;88.14% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;2 | &nbsp;&nbsp;101 | &nbsp;&nbsp;1.98% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;2 | &nbsp;&nbsp;205 | &nbsp;&nbsp;0.98% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;2 | &nbsp;&nbsp;205 | &nbsp;&nbsp;0.98% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Coborrower Birth Date | &nbsp;&nbsp;8 | &nbsp;&nbsp;79 | &nbsp;&nbsp;10.13% | &nbsp;&nbsp;211 |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;2 | &nbsp;&nbsp;77 | &nbsp;&nbsp;2.60% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;79 | &nbsp;&nbsp;1.27% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Coborrower FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;79 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Coborrower Mailing City | &nbsp;&nbsp;0 | &nbsp;&nbsp;72 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Coborrower Mailing State | &nbsp;&nbsp;0 | &nbsp;&nbsp;72 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Coborrower Mailing Street | &nbsp;&nbsp;0 | &nbsp;&nbsp;72 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Coborrower Mailing Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;72 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Coborrower Middle Name | &nbsp;&nbsp;34 | &nbsp;&nbsp;45 | &nbsp;&nbsp;75.56% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Coborrower Self-Employed? | &nbsp;&nbsp;2 | &nbsp;&nbsp;72 | &nbsp;&nbsp;2.78% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;79 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;22 | &nbsp;&nbsp;173 | &nbsp;&nbsp;12.72% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;113 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;8 | &nbsp;&nbsp;107 | &nbsp;&nbsp;7.48% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Initial Rate Lock Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;22 | &nbsp;&nbsp;211 | &nbsp;&nbsp;10.43% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Lender | &nbsp;&nbsp;0 | &nbsp;&nbsp;92 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;60 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;24 | &nbsp;&nbsp;4.17% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;113 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;113 | &nbsp;&nbsp;5.31% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;211 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;211 | &nbsp;&nbsp;0.95% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Original HCLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;205 | &nbsp;&nbsp;0.49% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;4 | &nbsp;&nbsp;205 | &nbsp;&nbsp;1.95% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;120 | &nbsp;&nbsp;0.83% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;95 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;23 | &nbsp;&nbsp;161 | &nbsp;&nbsp;14.29% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;1 | &nbsp;&nbsp;90 | &nbsp;&nbsp;1.11% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;91 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;0 | &nbsp;&nbsp;92 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;13 | &nbsp;&nbsp;211 | &nbsp;&nbsp;6.16% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;211 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;26 | &nbsp;&nbsp;36 | &nbsp;&nbsp;72.22% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;6 | &nbsp;&nbsp;205 | &nbsp;&nbsp;2.93% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;205 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;3 | &nbsp;&nbsp;205 | &nbsp;&nbsp;1.46% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Total Cash-out | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Universal Loan Identifier (ULI) | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;211 | &nbsp;&nbsp;0.47% | &nbsp;&nbsp;211 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**376** | &nbsp;&nbsp;**6714** | &nbsp;&nbsp;**5.60%** | &nbsp;&nbsp;**211** |

---

14 \| P a g e

![](ex992001.jpg)

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;211 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$253448589.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**211** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$253448589.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;211 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$253448589.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**211** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$253448589.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.84% | &nbsp;&nbsp;$7987000.00 | &nbsp;&nbsp;3.15% |
| &nbsp;&nbsp;Limited Cash-Out | &nbsp;&nbsp;7 | &nbsp;&nbsp;3.32% | &nbsp;&nbsp;$8352069.00 | &nbsp;&nbsp;3.30% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;18 | &nbsp;&nbsp;8.53% | &nbsp;&nbsp;$23475321.00 | &nbsp;&nbsp;9.26% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;149 | &nbsp;&nbsp;70.62% | &nbsp;&nbsp;$174675616.00 | &nbsp;&nbsp;68.92% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;31 | &nbsp;&nbsp;14.69% | &nbsp;&nbsp;$38958583.00 | &nbsp;&nbsp;15.37% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**211** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$253448589.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;211 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$253448589.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**211** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$253448589.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;112 | &nbsp;&nbsp;53.08% | &nbsp;&nbsp;$140961652.00 | &nbsp;&nbsp;55.62% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.84% | &nbsp;&nbsp;$6093521.00 | &nbsp;&nbsp;2.40% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.47% | &nbsp;&nbsp;$892000.00 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;91 | &nbsp;&nbsp;43.13% | &nbsp;&nbsp;$104501416.00 | &nbsp;&nbsp;41.23% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.47% | &nbsp;&nbsp;$1000000.00 | &nbsp;&nbsp;0.39% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**211** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$253448589.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;174 | &nbsp;&nbsp;82.46% | &nbsp;&nbsp;$219533336.00 | &nbsp;&nbsp;86.62% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;37 | &nbsp;&nbsp;17.54% | &nbsp;&nbsp;$33915253.00 | &nbsp;&nbsp;13.38% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**211** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$253448589.00** | &nbsp;&nbsp;**100.00%** |

---

15 \| P a g e

## Exhibit 99.2

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.2 - Schedule 1**

![](situs-logo.jpg)

---

| |
|:---|
| **Data Compare (Non-Ignored)** |
| **Run Date - 2/26/2026 3:57:36 PM** |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC 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** |
| [Redact] | 9108201 | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9108201 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9108201 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9243436 | [Redact] |  | [Redact] | Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9243436 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 42.265 | 35.69852 | Verified | Lender included the PITIA for the departure residence that was sold prior to closing |
| [Redact] | 9248797 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9305620 | [Redact] |  | [Redact] | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9307200 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9360726 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9361675 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9361675 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 22.5 | 19.49721 | Verified | 1008 DTI 22.65% |
| [Redact] | 9362513 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9363244 | [Redact] |  | [Redact] | Representative FICO | 743 | 748 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9365848 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9367633 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9367633 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9377820 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9377820 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 15.57 | 40.03802 | Verified | The Field Value matches the final 1008 |
| [Redact] | 9389744 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9498050 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9498132 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 29.09 | 47.74307 | Verified | DU DTI 47.74% |
| [Redact] | 9498509 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 49.13 | 44.56734 | Verified | DU DTI 44.57% |
| [Redact] | 9499985 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9501879 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 44.34 | 41.17189 | Verified | Lender qualified with consumer debts that had [Redact] balance on updated credit |
| [Redact] | 9502466 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9502491 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9504089 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9504091 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 36.7 | 46.80494 | Verified | DU DTI 46.80% |
| [Redact] | 9554480 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9554480 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 21.157 | 25.39209 | Verified | DU DTI 24.04% |
| [Redact] | 9555146 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9555236 | [Redact] |  | [Redact] | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9555323 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9606020 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9606020 | [Redact] |  | [Redact] | Representative FICO | 794 | 798 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9389621 | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9652790 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9652790 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 41.942 | 47.06873 | Verified | DU DTI 47.26% |
| [Redact] | 9693584 | [Redact] |  | [Redact] | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9693989 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9693991 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 34.288 | 42.37675 | Verified | DU DTI 42.38% |
| [Redact] | 9693991 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9694495 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 33.7 | 40.7615 | Verified | The Field Value DTI matches the final 1008. |
| [Redact] | 9694504 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9698115 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9698115 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 35.41 | 32.04241 | Verified | 1008 DTI 32.04% |
| [Redact] | 9698791 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 35 | 30.07153 | Verified | 1008 DTI 32.71% |
| [Redact] | 9732118 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9698057 | [Redact] |  |  | Origination Channel | Broker | Correspondent Flow with Delegated UW | Verified | Field Value reflects Retail (Lender Originated) |
| [Redact] | 9769238 | [Redact] |  | [Redact] | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9803307 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9804809 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9804809 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 36.334 | 42.70349 | Verified | 1008 DTI 42.702% |
| [Redact] | 9808760 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 19.349 | 33.60237 | Verified | Lender DTI excluded the PITIA for the departure residence that was pending sale; however it was not sold prior to closing. |
| [Redact] | 9808805 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9808805 | [Redact] |  | [Redact] | Original CLTV | 80 | 63.30019 | 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) |
| [Redact] | 9809508 | [Redact] |  | [Redact] | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 200194781 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 200194781 | [Redact] |  | [Redact] | Borrower SSN | [Redact] | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 200194781 | [Redact] |  | [Redact] | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 200202271 | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 200202271 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 200202271 | [Redact] |  | [Redact] | Borrower SSN | [Redact] | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 200202271 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9845416 | [Redact] |  | [Redact] | Representative FICO | 761 | 774 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9845723 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 49.218 | 44.4556 | Verified | DU DTI 44.45% |
| [Redact] | 9845837 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9845893 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9852669 | [Redact] |  |  | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9852669 | [Redact] |  |  | Origination Channel | Correspondent Flow with Delegated UW | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| [Redact] | 9852669 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9852669 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9852669 | [Redact] |  |  | Borrower Mailing State | [Redact] | [Redact] | Verified | Field Value reflects State per Note |
| [Redact] | 9852669 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9852655 | [Redact] |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| [Redact] | 9852655 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9852655 | [Redact] |  |  | Coborrower Citizenship | US Citizen | Non-Permanent Resident Alien | Verified | Field value reflects source document |
| [Redact] | 9852655 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9852655 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9852655 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9852658 | [Redact] |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| [Redact] | 9852658 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9852658 | [Redact] |  |  | Coborrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9852658 | [Redact] |  |  | Coborrower Citizenship | Non-Permanent Resident Alien | US Citizen | Verified | Field value reflects source document |
| [Redact] | 9852671 | [Redact] |  |  | Maturity Date | [Redact] | [Redact] | Verified | Field Value reflects Maturity Date per the Note |
| [Redact] | 9852671 | [Redact] |  |  | Origination Channel | Correspondent Flow with Delegated UW | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| [Redact] | 9852671 | [Redact] |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| [Redact] | 9852671 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9852671 | [Redact] |  |  | Coborrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9852671 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9852671 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9852671 | [Redact] |  |  | Borrower Mailing State | [Redact] | [Redact] | Verified | Field Value reflects State per Note |
| [Redact] | 9852671 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9852662 | [Redact] |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| [Redact] | 9852662 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9852662 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9852663 | [Redact] |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| [Redact] | 9852663 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9852663 | [Redact] |  |  | Coborrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9852672 | [Redact] |  |  | Origination Channel | Correspondent Flow with Delegated UW | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| [Redact] | 9852672 | [Redact] |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| [Redact] | 9852672 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9852672 | [Redact] |  |  | Coborrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9852673 | [Redact] |  |  | Origination Channel | Correspondent Flow with Delegated UW | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| [Redact] | 9852673 | [Redact] |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| [Redact] | 9852673 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9852673 | [Redact] |  |  | Coborrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9852673 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9852673 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9852673 | [Redact] |  |  | Borrower Mailing State | [Redact] | [Redact] | Verified | Field Value reflects State per Note |
| [Redact] | 9852673 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9852674 | [Redact] |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9852674 | [Redact] |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| [Redact] | 9852674 | [Redact] |  |  | Coborrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9852675 | [Redact] |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9852675 | [Redact] |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| [Redact] | 9852675 | [Redact] |  |  | Borrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9856798 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 35.27 | 29.61971 | Verified | DU DTI 30.87% |
| [Redact] | 9856798 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9856755 | [Redact] |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9856755 | [Redact] |  |  | Origination Channel | Correspondent Flow without Delegated UW | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| [Redact] | 9856755 | [Redact] |  |  | Coborrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9856756 | [Redact] |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9856756 | [Redact] |  |  | Origination Channel | Correspondent Flow without Delegated UW | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| [Redact] | 9856757 | [Redact] |  |  | Origination Channel | Correspondent Flow without Delegated UW | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| [Redact] | 9856757 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9856757 | [Redact] |  |  | Coborrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9856757 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9856757 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9856757 | [Redact] |  |  | Borrower Mailing State | [Redact] | [Redact] | Verified | Field Value reflects State per Note |
| [Redact] | 9856757 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9856758 | [Redact] |  |  | Origination Channel | Correspondent Flow without Delegated UW | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| [Redact] | 9856758 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9856758 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9856758 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9856758 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9856759 | [Redact] |  |  | Origination Channel | Correspondent Flow without Delegated UW | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| [Redact] | 9856759 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9856759 | [Redact] |  |  | Coborrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9856759 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9856759 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9856761 | [Redact] |  |  | Origination Channel | Correspondent Flow without Delegated UW | Correspondent Flow with Delegated UW | Verified | Field Value reflects Retail (Lender Originated) |
| [Redact] | 9856761 | [Redact] |  |  | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9856761 | [Redact] |  |  | Borrower Citizenship |  | US Citizen | Verified | Field value reflects source document |
| [Redact] | 9856761 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9856761 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9856761 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9856762 | [Redact] |  |  | Coborrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9856762 | [Redact] |  |  | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9856762 | [Redact] |  |  | Borrower Citizenship |  | US Citizen | Verified | Field value reflects source document |
| [Redact] | 9856763 | [Redact] |  |  | Origination Channel | Correspondent Flow without Delegated UW | Correspondent Flow with Delegated UW | Verified | Field Value reflects Retail (Lender Originated) |
| [Redact] | 9856766 | [Redact] |  |  | Coborrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9856766 | [Redact] |  |  | Borrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9856766 | [Redact] |  |  | Coborrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9856767 | [Redact] |  |  | Origination Channel | Correspondent Flow without Delegated UW | Correspondent Flow with Delegated UW | Verified | Field Value reflects Retail (Lender Originated) |
| [Redact] | 9856769 | [Redact] |  |  | Borrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9856772 | [Redact] |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9856773 | [Redact] |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9856773 | [Redact] |  |  | Origination Channel | Correspondent Flow without Delegated UW | Correspondent Flow with Delegated UW | Verified | Field Value reflects Retail (Lender Originated) |
| [Redact] | 9856774 | [Redact] |  |  | Origination Channel | Correspondent Flow without Delegated UW | Correspondent Flow with Delegated UW | Verified | Field Value reflects Retail (Lender Originated) |
| [Redact] | 9856774 | [Redact] |  |  | Borrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9856774 | [Redact] |  |  | Coborrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9856774 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9856775 | [Redact] |  |  | Borrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9856776 | [Redact] |  |  | Origination Channel | Correspondent Flow without Delegated UW | Correspondent Flow with Delegated UW | Verified | Field Value reflects Retail (Lender Originated) |
| [Redact] | 9856778 | [Redact] |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9856778 | [Redact] |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Exempt from ATR | Verified | Field value reflects source document |
| [Redact] | 9856778 | [Redact] |  |  | Borrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9856778 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 25.955 | 20.22692 | Verified | Lender qualified with higher consumer debts than verified in file |
| [Redact] | 9856779 | [Redact] |  |  | Borrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9856779 | [Redact] |  |  | Coborrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9856782 | [Redact] |  |  | Borrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9860513 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9861418 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9860530 | [Redact] |  |  | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9860530 | [Redact] |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9860530 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9860531 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9860531 | [Redact] |  |  | Coborrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9860533 | [Redact] |  |  | Coborrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9860533 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9860534 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9860534 | [Redact] |  |  | Coborrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9860534 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9860535 | [Redact] |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9860535 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9860535 | [Redact] |  |  | Coborrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9860536 | [Redact] |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9860537 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9860537 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9860537 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9860537 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9860538 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9860538 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9860538 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9860540 | [Redact] |  |  | Representative FICO | 819 | 799 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9860540 | [Redact] |  |  | Coborrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9860540 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9860540 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9860540 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9860541 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9860541 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9860541 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9860542 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9860542 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9860542 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9860543 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9860543 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9860543 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9860544 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9860545 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9860545 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9860545 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9860546 | [Redact] |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9860548 | [Redact] |  |  | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9860548 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9860551 | [Redact] |  |  | Borrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9860551 | [Redact] |  |  | Coborrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9860552 | [Redact] |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9860552 | [Redact] |  |  | Borrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9860552 | [Redact] |  |  | Coborrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9860553 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9860553 | [Redact] |  |  | Coborrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9861257 | [Redact] |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9861286 | [Redact] |  |  | Borrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9861286 | [Redact] |  |  | Coborrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9861288 | [Redact] |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9861288 | [Redact] |  |  | Borrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9861301 | [Redact] |  |  | Borrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9861301 | [Redact] |  |  | Coborrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9861302 | [Redact] |  |  | Coborrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9896606 | [Redact] |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9896607 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9896607 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9896607 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9896609 | [Redact] |  |  | Coborrower Self-Employed? |  | 1 | Verified | Field Value verified by Income, Employment, Credit or other documentation in file |
| [Redact] | 9896609 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9896609 | [Redact] |  |  | Coborrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9896609 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9896609 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9896610 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9896610 | [Redact] |  |  | Coborrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9896610 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9896610 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9896610 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9896611 | [Redact] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9896612 | [Redact] |  |  | Origination Channel | Broker | Correspondent Flow without Delegated UW | Verified | Field Value reflects Retail (Lender Originated) |
| [Redact] | 9896612 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9896612 | [Redact] |  |  | Borrower Citizenship |  | US Citizen | Verified | Field value reflects source document |
| [Redact] | 9896613 | [Redact] |  |  | Origination Channel | Broker | Correspondent Flow with Delegated UW | Verified | Field Value reflects Retail (Lender Originated) |
| [Redact] | 9896613 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9896613 | [Redact] |  |  | Borrower Citizenship |  | US Citizen | Verified | Field value reflects source document |
| [Redact] | 9896614 | [Redact] |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9896614 | [Redact] |  |  | Origination Channel | Broker | Correspondent Flow with Delegated UW | Verified | Field Value reflects Retail (Lender Originated) |
| [Redact] | 9896614 | [Redact] |  |  | Borrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9896614 | [Redact] |  |  | Coborrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9896615 | [Redact] |  |  | Origination Channel | Broker | Correspondent Flow with Delegated UW | Verified | Field Value reflects Retail (Lender Originated) |
| [Redact] | 9850288 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 43.9 | 40.64229 | Verified | DU DTI 40.64% |
| [Redact] | 9915342 | [Redact] |  | [Redact] | Representative FICO | 733 | 735 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9895865 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9895865 | [Redact] |  |  | Origination Channel | Correspondent Flow with Delegated UW | Correspondent Flow without Delegated UW | Verified | Field Value reflects Correspondent w/o delegated underwriter per Bailee Letter, Note, Application and Approval in file |
| [Redact] | 9895875 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9895875 | [Redact] |  |  | Borrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9895884 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9895884 | [Redact] |  |  | Origination Channel | Correspondent Flow with Delegated UW | Correspondent Flow without Delegated UW | Verified | Field Value reflects Correspondent w/o delegated underwriter per Bailee Letter, Note, Application and Approval in file |
| [Redact] | 9895884 | [Redact] |  |  | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| [Redact] | 9895884 | [Redact] |  |  | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9895887 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9895905 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9895905 | [Redact] |  |  | Origination Channel | Correspondent Flow with Delegated UW | Correspondent Flow without Delegated UW | Verified | Field Value reflects Correspondent w/o delegated underwriter per Bailee Letter, Note, Application and Approval in file |
| [Redact] | 9895913 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9954576 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9954644 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 35.3 | 41.02546 | Verified | 1008 DTI 41.934% |
| [Redact] | 9954590 | [Redact] |  |  | Borrower Birth Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954590 | [Redact] |  |  | Coborrower Birth Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954590 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9954590 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9954591 | [Redact] |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9954591 | [Redact] |  |  | Borrower Self-Employed? | 1 | 0 | Verified | Field Value verified by Income, Employment, Credit or other documentation in file |
| [Redact] | 9954591 | [Redact] |  |  | Borrower Birth Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954591 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 35.658 | 28.50339 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9954592 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954592 | [Redact] |  |  | Borrower Birth Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954593 | [Redact] |  |  | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9954593 | [Redact] |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9954593 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954593 | [Redact] |  |  | Borrower Birth Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954594 | [Redact] |  |  | Borrower Birth Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954594 | [Redact] |  |  | Coborrower Birth Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954594 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9954594 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9954594 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9954595 | [Redact] |  |  | Coborrower Self-Employed? |  | 1 | Verified | Field Value verified by Income, Employment, Credit or other documentation in file |
| [Redact] | 9954595 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954595 | [Redact] |  |  | Coborrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954595 | [Redact] |  |  | Borrower Birth Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954595 | [Redact] |  |  | Coborrower Birth Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954595 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9954595 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9954595 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9954596 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954596 | [Redact] |  |  | Coborrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954596 | [Redact] |  |  | Borrower Birth Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954596 | [Redact] |  |  | Coborrower Birth Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954596 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9954597 | [Redact] |  |  | Representative FICO | 807 | 800 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9954597 | [Redact] |  |  | Coborrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954597 | [Redact] |  |  | Borrower Birth Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954597 | [Redact] |  |  | Coborrower Birth Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954597 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9954597 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9954598 | [Redact] |  |  | Borrower Birth Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954598 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9954599 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954599 | [Redact] |  |  | Borrower Birth Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954599 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9954599 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9954599 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9954601 | [Redact] |  |  | Appraised Value | [Redact] | [Redact] | Verified | Field Value captured from Valuation model in file |
| [Redact] | 9954601 | [Redact] |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9954601 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954601 | [Redact] |  |  | Borrower Birth Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954601 | [Redact] |  |  | Borrower Citizenship |  | US Citizen | Verified | Field value reflects source document |
| [Redact] | 9954602 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954602 | [Redact] |  |  | Borrower Birth Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954602 | [Redact] |  |  | Borrower Citizenship |  | US Citizen | Verified | Field value reflects source document |
| [Redact] | 9954603 | [Redact] |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9954603 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954603 | [Redact] |  |  | Borrower Birth Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954603 | [Redact] |  |  | Borrower Citizenship |  | US Citizen | Verified | Field value reflects source document |
| [Redact] | 9954604 | [Redact] |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9954604 | [Redact] |  |  | Borrower Birth Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954604 | [Redact] |  |  | Borrower Citizenship |  | US Citizen | Verified | Field value reflects source document |
| [Redact] | 9954605 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954605 | [Redact] |  |  | Borrower Birth Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954605 | [Redact] |  |  | Borrower Citizenship |  | US Citizen | Verified | Field value reflects source document |
| [Redact] | 9954605 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9954605 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9954605 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9954606 | [Redact] |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9954606 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954606 | [Redact] |  |  | Borrower Birth Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954606 | [Redact] |  |  | Coborrower Birth Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954606 | [Redact] |  |  | Borrower Citizenship |  | US Citizen | Verified | Field value reflects source document |
| [Redact] | 9954607 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954607 | [Redact] |  |  | Coborrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954607 | [Redact] |  |  | Borrower Birth Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954607 | [Redact] |  |  | Coborrower Birth Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954607 | [Redact] |  |  | Borrower Citizenship |  | US Citizen | Verified | Field value reflects source document |
| [Redact] | 9954607 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9954608 | [Redact] |  |  | Borrower Birth Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954608 | [Redact] |  |  | Coborrower Birth Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954608 | [Redact] |  |  | Borrower Citizenship |  | US Citizen | Verified | Field value reflects source document |
| [Redact] | 9954608 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9954609 | [Redact] |  |  | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9954609 | [Redact] |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9954609 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954609 | [Redact] |  |  | Borrower Birth Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954609 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9954612 | [Redact] |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9954612 | [Redact] |  |  | Borrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954612 | [Redact] |  |  | Coborrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954613 | [Redact] |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9954613 | [Redact] |  |  | Borrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954613 | [Redact] |  |  | Coborrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9848692 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9848692 | [Redact] |  |  | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9848692 | [Redact] |  |  | Original CLTV | 49.8 | 67.45455 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redact] | 9848692 | [Redact] |  |  | Original LTV | 49.8 | 67.45455 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redact] | 9954653 | [Redact] |  |  | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9954651 | [Redact] |  |  | Borrower Self-Employed? | 1 | 0 | Verified | Field Value verified by Income, Employment, Credit or other documentation in file |
| [Redact] | 9954646 | [Redact] |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9954646 | [Redact] |  |  | Borrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954646 | [Redact] |  |  | Coborrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9954645 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 21.061 | 32.45992 | Verified | DU DTI 32.46% |
| [Redact] | 9954649 | [Redact] |  |  | Has FTHB | 0 | 1 | Verified | Field value reflects source document |

---

## Exhibit 99.2

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.2 - Schedule 2**

![](situs-logo.jpg)

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| |
|:---|
| **Exception Grades** |
| **Run Date - 2/26/2026 9:32:09 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC 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** |
| [Redact] | 9108201 | [Redact] | [Redact] | 33118969 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-29): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-05-28): (Rate Lock) [Redacted] | 05/29/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9108201 | [Redact] | [Redact] | 33513203 |  | Credit | Guideline | Guideline Issue | Guideline | Guidelines require two years of Tax Transcripts (1040) when 1040 personal tax returns were used to qualify. File contains fewer than two 1040 transcripts. |  | The [Redacted] IRS tax transcripts are required to meet the guideline requirement of [Redacted] years. |  |  |  | Reviewer Comment (2025-06-04): Transcripts provided<br>Seller Comment (2025-06-04): (Rate Lock) tax transcripts | 06/04/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9108201 | [Redact] | [Redact] | 33514300 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing the guideline required CDA. Per the guides, a CDA is required regardless of the CU score. |  |  |  | Reviewer Comment (2025-06-04): Received CDA. Exception Cleared.<br>Seller Comment (2025-06-03): (Rate Lock) CDA<br>Reviewer Comment (2025-05-29): CU score is more than [Redacted] hence CDA required as secondary valuation. Exception Remains.<br>Seller Comment (2025-05-28): (Rate Lock) [Redacted] | 06/04/2025 |  |  | 1 D A |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9108201 | [Redact] | [Redact] | 33514307 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 05/27/2025 | 2 B |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9108201 | [Redact] | [Redact] | 33514308 |  | 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 (2025-06-04): Transcripts provided<br>Seller Comment (2025-06-04): (Rate Lock) tax transcripts<br>Reviewer Comment (2025-05-29): Condition will not be cleared until all QM/Guideline conditions are cleared. The [Redacted] IRS tax transcripts are required. Condition is valid and remains open<br>Seller Comment (2025-05-28): (Rate Lock) [Redacted] | 06/04/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9108201 | [Redact] | [Redact] | 33514309 |  | 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. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. |  |  |  | Reviewer Comment (2025-06-04): Transcripts provided<br>Seller Comment (2025-06-04): (Rate Lock) tax transcripts<br>Reviewer Comment (2025-05-29): Condition will not be cleared until all QM/Guideline conditions are cleared. The [Redacted] IRS tax transcripts are required. Condition is valid and remains open<br>Seller Comment (2025-05-28): (Rate Lock) [Redacted] | 06/04/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9108201 | [Redact] | [Redact] | 33523669 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | The city name on the flood cert did not match the city name on the Note. Provide a revised Flood Cert. |  |  |  | Reviewer Comment (2025-05-29): Received updated flood certificate. Exception Cleared.<br>Seller Comment (2025-05-28): (Rate Lock) Corrected flood certificate | 05/29/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9243436 | [Redact] | [Redact] | 34114632 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-08): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-09-05): (Rate Lock) Collateral delivered via [Redacted] tracking [Redacted] on [Redacted] | 09/08/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9243436 | [Redact] | [Redact] | 34318714 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 09/02/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9243436 | [Redact] | [Redact] | 34318723 |  | 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]. Missing itemization of prepaid finance charges to determine cause of underdisclosure. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable. |  |  |  | Reviewer Comment (2025-10-07): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Seller Comment (2025-10-06): (Rate Lock) Please be advised that due to a mix up on [Redacted] part there were two checks issued to the borrower-one was issued on [Redacted] and overnighted via the attached shipping label. Our accounting dept had not provided a copy of the check, so we did an additional check request (check issued [Redacted]). It was at this point we discovered the [Redacted] was a duplicate which we are currently working to cancel since the borrower had already received the attached check.<br>Reviewer Comment (2025-10-06): Remediation package does not show as picked up in courier system at this time.<br>Seller Comment (2025-10-02): (Rate Lock) Two refund checks were (erroneously) sent to the borrower. Please see attached explanation.<br>Reviewer Comment (2025-10-02): Remediation package is not yet in the courier system for delivery.<br>Seller Comment (2025-10-01): (Rate Lock) Refund Label<br>Reviewer Comment (2025-09-29): [Redacted] received copoy of cure refund. However, did not received proof of mailing of the cure refund check. The prior documents received, PCCD, LOE and [Redact] shipping label reflect per [Redacted] tracking that package delivered on [Redacted]. However, the cure refund check is dated [Redacted], after this delivery and could not have been included in that package. Please provide tracking for the cure refund check to finalize the cure.<br>Reviewer Comment (2025-09-19): [Redacted] will review for cure when copy of refund check is provided for review.<br>Seller Comment (2025-09-18): (Rate Lock) Refund Package-Check to follow<br>Reviewer Comment (2025-09-11): [Redacted] received lender breakdown on finance charges. The issue appears related to the Section A IA Investor Fee $[Redacted] which was not included in the lender calculation. This is a lender fee and a finance charge. The Breakdown appears to be included the $[Redacted] Section B Title-IA Attorney opinion of $[Redacted] instead. This would cause the $[Redacted] underdisclosure. Cure with Correctred CD, LOE to borrower, copy of cure refund of $[Redacted] and proof of mailing.<br>Seller Comment (2025-09-10): (Rate Lock) Finance Charge Fee Breakdown |  | 10/07/2025 |  | 2 C B |  | [Redact] | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9243436 | [Redact] | [Redact] | 34318724 |  | 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 an amount financed of $[Redacted]; calculated amount financed is $[Redacted] variance is $[Redacted]. Missing itemization of prepaid finance charges to determine cause of underdisclosure. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable. |  |  |  | Reviewer Comment (2025-10-07): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Seller Comment (2025-10-06): (Rate Lock) Please be advised that due to a mix up on [Redacted] part there were two checks issued to the borrower-one was issued on [Redacted] and overnighted via the attached shipping label. Our accounting dept had not provided a copy of the check, so we did an additional check request (check issued [Redacted]). It was at this point we discovered the [Redacted] was a duplicate which we are currently working to cancel since the borrower had already received the attached check.<br>Reviewer Comment (2025-10-06): Remediation package does not show as picked up in courier system at this time.<br>Seller Comment (2025-10-02): (Rate Lock) Two refund checks were (erroneously) sent to the borrower. Please see attached explanation.<br>Reviewer Comment (2025-10-02): Remediation package is not yet in the courier system for delivery.<br>Seller Comment (2025-10-01): (Rate Lock) Refund Label<br>Reviewer Comment (2025-09-29): [Redacted] received copoy of cure refund. However, did not received proof of mailing of the cure refund check. The prior documents received, PCCD, LOE and [Redacted] shipping label reflect per [Redacted] tracking that package delivered on [Redacted]. However, the cure refund check is dated [Redacted], after this delivery and could not have been included in that package. Please provide tracking for the cure refund check to finalize the cure.<br>Seller Comment (2025-09-26): (Rate Lock) Refund check<br>Reviewer Comment (2025-09-19): [Redacted] will review for cure when copy of refund check is provided for review.<br>Seller Comment (2025-09-18): (Rate Lock) Refund Package-Check to follow<br>Reviewer Comment (2025-09-11): [Redacted] received lender breakdown on finance charges. The issue appears related to the Section A IA Investor Fee $[Redacted] which was not included in the lender calculation. This is a lender fee and a finance charge. The Breakdown appears to be included the $[Redacted] Section B Title-IA Attorney opinion of $[Redacted] instead. This would cause the $[Redacted] underdisclosure. Cure with Correctred CD, LOE to borrower, copy of cure refund of $[Redacted] and proof of mailing.<br>Seller Comment (2025-09-10): (Rate Lock) Finance Charge Fee Breakdown |  | 10/07/2025 |  | 2 C B |  | [Redact] | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9243436 | [Redact] | [Redact] | 34318751 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | The file is missing the fully executed Final Closing Statement for the sale of the departure residence to verify the total net equity received and that all liens are paid and closed. Please provide for review. |  |  |  | Reviewer Comment (2025-09-08): Received Closing Statement. Exception Cleared.<br>Seller Comment (2025-09-05): (Rate Lock) Closing Disclosure | 09/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9243436 | [Redact] | [Redact] | 34318758 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Per the guidelines, a DU approval, ineligible for the loan amount only, is required. |  |  |  | Reviewer Comment (2025-09-08): Received AUS. Exception Cleared.<br>Seller Comment (2025-09-05): (Rate Lock) AUS | 09/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9248797 | [Redact] | [Redact] | 34170121 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-08): Waived on Rate Lock: Collateral cleared by Custodian | 10/08/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9248797 | [Redact] | [Redact] | 34633321 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan allows for Partial Payments. | Final Closing Disclosure provided on [Redacted] did not disclose whether the loan allows for Partial Payments. |  |  |  | Reviewer Comment (2025-10-03): Post-close CD and LOE in the initial file completing the partial payments section on page 4. |  | 10/03/2025 |  | 2 C B |  | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9248797 | [Redact] | [Redact] | 34638308 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/03/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9248797 | [Redact] | [Redact] | 34641414 |  | 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]. |  |  |  |  |  |  |  | 10/03/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9248797 | [Redact] | [Redact] | 34641415 |  | 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]. |  |  |  |  |  |  |  | 10/03/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9248797 | [Redact] | [Redact] | 34641416 |  | 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]. |  |  |  |  |  |  |  | 10/03/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9248797 | [Redact] | [Redact] | 34641417 |  | 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]. |  |  |  |  |  |  |  | 10/03/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9248797 | [Redact] | [Redact] | 34641418 |  | 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]. |  |  |  |  |  |  |  | 10/03/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9248797 | [Redact] | [Redact] | 34641419 |  | 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]. |  |  |  |  |  |  |  | 10/03/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9249304 | [Redact] | [Redact] | 34182674 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-29): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-09-25): (Rate Lock) [Redacted] TRACKING # [Redacted] | 09/29/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9249304 | [Redact] | [Redact] | 34521855 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/24/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9249304 | [Redact] | [Redact] | 34521857 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-22): Sufficient Cure Provided At Closing |  | 09/22/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9249304 | [Redact] | [Redact] | 34545225 |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | The file is missing verification of the borrower's current rental history for the last [Redacted] months, as required by the guidelines. |  |  |  | Reviewer Comment (2025-09-26): Received Verification of Rent. Exception Cleared.<br>Seller Comment (2025-09-25): (Rate Lock) THIS DOCUMENT WAS PROVIDED IN THE ORIGINAL UPLOAD, PAGE [Redacted] | 09/26/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9248760 | [Redact] |  | 34234210 |  | 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 (2025-08-29): [Redacted] received COC and LE dated [Redacted].<br>Seller Comment (2025-08-27): LE showing change<br>Reviewer Comment (2025-08-22): [Redacted] received LE dated [Redacted] whereas the COC provided is not within three days of the change. Kindly provide LE for the COC provided in the file.<br>Seller Comment (2025-08-21): attached LE to clear appraisal and discount point fees | 08/29/2025 |  |  | 1 C A |  | [Redact] | 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 |
| [Redact] | 9248760 | [Redact] |  | 34234211 |  | 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]. Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2025-08-22): [Redacted] received a valid COC. | 08/22/2025 |  |  | 1 C A |  | [Redact] | 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 |
| [Redact] | 9248785 | [Redact] |  | 34260641 |  | 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 (2025-08-27): [Redacted] received LE dated [Redacted].<br>Seller Comment (2025-08-26): CIC and LE | 08/27/2025 |  |  | 1 C A |  | [Redact] | 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 |
| [Redact] | 9248785 | [Redact] |  | 34260642 |  | 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 Property 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 Property Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-27): [Redacted] received LE dated [Redacted].<br>Seller Comment (2025-08-26): CIC and LE | 08/27/2025 |  |  | 1 C A |  | [Redact] | 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 |
| [Redact] | 9305620 | [Redact] | [Redact] | 34245964 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-14): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-10): (Rate Lock) ORIGINAL NOTE DELIVERED [Redacted] PER [Redacted] [Redacted] | 10/14/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9305620 | [Redact] | [Redact] | 34668011 |  | 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 (2025-10-13): [Redacted] received initial CD dated [Redacted].<br>Seller Comment (2025-10-10): (Rate Lock) Initial Closing Disclosure | 10/13/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9307200 | [Redact] | [Redact] | 34261588 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-17): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-15): (Rate Lock) Note - tracking [Redacted] #[Redacted] | 10/17/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9307200 | [Redact] | [Redact] | 34723406 |  | 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]. |  |  |  |  |  |  |  | 10/14/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9307200 | [Redact] | [Redact] | 34723407 |  | 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]. |  |  |  |  |  |  |  | 10/14/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9307200 | [Redact] | [Redact] | 34723408 |  | 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]. |  |  |  |  |  |  |  | 10/14/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9307200 | [Redact] | [Redact] | 34723409 |  | 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]. |  |  |  |  |  |  |  | 10/14/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9307200 | [Redact] | [Redact] | 34723410 |  | 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]. |  |  |  |  |  |  |  | 10/14/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9307200 | [Redact] | [Redact] | 34723411 |  | 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]. |  |  |  |  |  |  |  | 10/14/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9307200 | [Redact] | [Redact] | 34723412 |  | 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]. |  |  |  |  |  |  |  | 10/14/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9307200 | [Redact] | [Redact] | 34723413 |  | 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]. |  |  |  |  |  |  |  | 10/14/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9307200 | [Redact] | [Redact] | 34723414 |  | 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]. |  |  |  |  |  |  |  | 10/14/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9307200 | [Redact] | [Redact] | 34723415 |  | 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]. |  |  |  |  |  |  |  | 10/14/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9307200 | [Redact] | [Redact] | 34723416 |  | 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]. |  |  |  |  |  |  |  | 10/14/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9307200 | [Redact] | [Redact] | 34723417 |  | 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]. |  |  |  |  |  |  |  | 10/14/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9307200 | [Redact] | [Redact] | 34723418 |  | 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]. |  |  |  |  |  |  |  | 10/14/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9307200 | [Redact] | [Redact] | 34723419 |  | 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]. |  |  |  |  |  |  |  | 10/14/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9307200 | [Redact] | [Redact] | 34723420 |  | 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]. |  |  |  |  |  |  |  | 10/14/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9307200 | [Redact] | [Redact] | 34723421 |  | 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]. |  |  |  |  |  |  |  | 10/14/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9307200 | [Redact] | [Redact] | 34723422 |  | 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]. |  |  |  |  |  |  |  | 10/14/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9307200 | [Redact] | [Redact] | 34723423 |  | 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]. |  |  |  |  |  |  |  | 10/14/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9307200 | [Redact] | [Redact] | 34723424 |  | 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]. |  |  |  |  |  |  |  | 10/14/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9307200 | [Redact] | [Redact] | 34723425 |  | 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]. |  |  |  |  |  |  |  | 10/14/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9307200 | [Redact] | [Redact] | 34724418 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/14/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9447573 | [Redact] | [Redact] | 34262836 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-06): Waived on Rate Lock: Collateral cleared by Custodian | 10/06/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9447573 | [Redact] | [Redact] | 34580096 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 09/29/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9360726 | [Redact] | [Redact] | 34274363 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-17): Waived on Rate Lock: Collateral cleared by Custodian | 09/17/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9360726 | [Redact] | [Redact] | 34430414 |  | 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. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 09/12/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9360726 | [Redact] | [Redact] | 34430660 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard 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 (2025-09-17): Received RCE. Exception Cleared.<br>Seller Comment (2025-09-17): [Redacted]: please see attached RCE showing the reconstruction cost of $[Redacted] for the home.<br>Reviewer Comment (2025-09-15): Policy does not specify percentage or amount of replacement cost. Provide a copy of the replacement cost estimator from the insurance company, a revised policy/dec page with increased coverage, or documentation from the insurance company verifying the policy has Guaranteed Replacement cost coverage. Exception Remains.<br>Seller Comment (2025-09-15): [Redacted] [Redacted]: The borrower's HOI policy reflects that it has replacement cost coverage in the Remarks section | 09/17/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9360726 | [Redact] | [Redact] | 34431348 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/12/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9360726 | [Redact] | [Redact] | 34431349 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/12/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9361675 | [Redact] | [Redact] | 34279724 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-07): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-03): (Rate Lock) ORIGINAL NOTE DELIVERED [Redacted] PER [Redacted] TRACKING [Redacted] | 10/07/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9362513 | [Redact] | [Redact] | 34283151 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-01): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-09-26): (Rate Lock) original Collateral sent [Redacted] via [Redacted][Redacted] | 10/01/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9362513 | [Redact] | [Redact] | 34590667 |  | 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 (2025-10-01): Received UCDP. Exception Cleared.<br>Seller Comment (2025-10-01): (Rate Lock) appraisal docs | 10/01/2025 |  |  | 1 D A |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9362513 | [Redact] | [Redact] | 34590680 |  | Credit | Compliance | Miscellaneous Compliance | Compliance | Missing Document: Loan Estimate not provided |  | The file is missing a copy of the Loan Estimate. |  |  |  | Reviewer Comment (2025-10-03): Initial LE provided<br>Seller Comment (2025-10-01): (Rate Lock) LE | 10/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9362513 | [Redact] | [Redact] | 34590698 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 09/29/2025 | 2 B |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9362513 | [Redact] | [Redact] | 34590699 |  | Compliance | Compliance | Federal Compliance | Compliance | Unable to Combine Appraisal and Appraisal Management Company Fee for Tolerance Testing | Unable to combine Appraisal Fee and Appraisal Management Company Fee for purposes of tolerance testing. |  |  |  |  | Reviewer Comment (2025-10-03): Initial LE provided | 10/03/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9362513 | [Redact] | [Redact] | 34590700 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  | Reviewer Comment (2025-10-01): Received homeownership counselling. Exception Cleared.<br>Seller Comment (2025-10-01): (Rate Lock) counseling disc | 10/01/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9362513 | [Redact] | [Redact] | 34590701 |  | Compliance | Compliance | State Compliance | Misc. State Level | [Redact] Residential Mortgage Loan (Disclosure of Material Terms Not Provided) | [Redacted] : Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower. |  |  |  |  | Reviewer Comment (2025-10-03): Initial LE provided<br>Seller Comment (2025-10-01): (Rate Lock) . | 10/03/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9362513 | [Redact] | [Redact] | 34590709 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. |  |  |  | Reviewer Comment (2025-10-03): Initial LE provided<br>Seller Comment (2025-10-01): (Rate Lock) apprl ack ecoa & AIR | 10/03/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | Good faith redisclosure D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9362513 | [Redact] | [Redact] | 34590710 |  | 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 (2025-10-02): [Redacted] received [Redacted] CD received [Redacted] business days prior to consummation.<br>Seller Comment (2025-10-01): (Rate Lock) INITIAL CD | 10/02/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9362513 | [Redact] | [Redact] | 34590711 |  | 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 (2025-10-02): [Redacted] Received Initial LE.<br>Seller Comment (2025-10-01): (Rate Lock) NITIAL DISCLOSURES | 10/02/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9363244 | [Redact] | [Redact] | 34301423 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-07): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-06): (Rate Lock) ORIGINAL COLLATERAL SENT [Redacted] VIA [Redacted] TRACKING [Redacted] | 10/07/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9365848 | [Redact] | [Redact] | 34320926 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-08): Waived on Rate Lock: Collateral cleared by Custodian | 10/08/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9365848 | [Redact] | [Redact] | 34599085 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 10/01/2025 | 2 B |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9365848 | [Redact] | [Redact] | 34599087 |  | 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 (2025-09-30): Sufficient Cure Provided At Closing |  | 09/30/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9367633 | [Redact] | [Redact] | 34322138 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-14): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-10): (Rate Lock) ORIGINAL NOTE DELIVERED [Redacted] PER [Redacted] [Redacted] | 10/14/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9367633 | [Redact] | [Redact] | 34665210 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of the HOA Statement. |  |  |  | Reviewer Comment (2025-10-15): Received HOA. Exception Cleared.<br>Seller Comment (2025-10-13): (Rate Lock) HOA DOCUMENTATION FOR [Redacted]-[Redacted] | 10/15/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9367633 | [Redact] | [Redact] | 34665239 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/09/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9367633 | [Redact] | [Redact] | 34665242 |  | 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 (2025-10-07): Sufficient Cure Provided At Closing |  | 10/07/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9377820 | [Redact] | [Redact] | 34351358 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-03): (Rate Lock) Tracking #[Redacted] shows Delivered [Redacted] [Redacted] at [Redacted]. | 11/04/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9389744 | [Redact] | [Redact] | 34370001 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-20): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-16): (Rate Lock) [Redacted] tracking number <br>- [Redacted] | 10/20/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9389744 | [Redact] | [Redact] | 34668696 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). |  | The file is missing a copy of Universal Loan Identifier (ULI) |  |  |  | Reviewer Comment (2025-10-10): ULI provided<br>Seller Comment (2025-10-09): (Rate Lock) ULI | 10/10/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9389744 | [Redact] | [Redact] | 34668732 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | The file is missing a copy of Loan Underwriting and Transmittal Summary (1008). |  |  |  | Reviewer Comment (2025-10-10): 1008 provided<br>Seller Comment (2025-10-09): (Rate Lock) 1008 for review | 10/10/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9389744 | [Redact] | [Redact] | 34668757 |  | 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. | 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. |  |  |  |  |  | 10/07/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9498050 | [Redact] | [Redact] | 34393583 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-14): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-10): (Rate Lock) Original Note delivered [Redacted] per [Redacted] [Redacted] | 10/14/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9498050 | [Redact] | [Redact] | 34695661 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). |  | Universal Loan Identifier (ULI) is blank. |  |  |  | Reviewer Comment (2025-10-13): ULI provided<br>Seller Comment (2025-10-10): (Rate Lock) Final URLA with ULI | 10/13/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9498050 | [Redact] | [Redact] | 34695662 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-15): Received UCDP. Exception Cleared.<br>Seller Comment (2025-10-14): (Rate Lock) FNMA SSR | 10/15/2025 |  |  | 1 D A |  | [Redact] | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9498050 | [Redact] | [Redact] | 34695682 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | 1008 was not provided. |  |  |  | Reviewer Comment (2025-10-13): 1008 provided<br>Seller Comment (2025-10-10): (Rate Lock) 1008 | 10/13/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9498050 | [Redact] | [Redact] | 34695683 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  | Reviewer Comment (2025-10-13): Purchase agreement provided<br>Seller Comment (2025-10-10): (Rate Lock) Purchase Contract | 10/13/2025 |  |  | 1 D A |  | [Redact] | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9498050 | [Redact] | [Redact] | 34695684 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/10/2025 | 2 B |  | [Redact] | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9498050 | [Redact] | [Redact] | 34695685 |  | 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 (2025-10-13): Rate lock provided<br>Seller Comment (2025-10-10): (Rate Lock) Pricing Confirmation | 10/13/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9498132 | [Redact] | [Redact] | 34394087 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-24): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-22): (Rate Lock) Note - tracking on [Redacted] # [Redacted] | 10/24/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9498509 | [Redact] | [Redact] | 34396314 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-30): Waived on Rate Lock: Collateral cleared by Custodian | 10/30/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9498509 | [Redact] | [Redact] | 34798447 |  | Credit | Disclosure | Missing Document | Disclosure | [Redacted] Consent Agreement is missing. |  | The file is missing a copy of [Redacted] consent agreement. |  |  |  | Reviewer Comment (2025-11-03): Received[Redacted]consent agreement. Exception Cleared.<br>Seller Comment (2025-10-30): EConsent | 11/03/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9499985 | [Redact] | [Redact] | 34401783 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-24): Waived on Rate Lock: Collateral cleared by Custodian | 10/24/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9499985 | [Redact] | [Redact] | 34755358 |  | 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]. $[Redacted] over legal limit. 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-11-13): [Redacted] received COC dated [Redacted] and UW condition for adding the fee.<br>Seller Comment (2025-11-12): Please see attached accepted Change Of Circumstances Request, and Underwriting Final Inspection Condition. There was a valid COFC accepted for adding the Final Inspection Fee. Please see attached UW condition, the Underwriter conditioned for a Final Inspection [Redacted] in order to proceed with underwriter. | 11/13/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | 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 |
| [Redact] | 9499985 | [Redact] | [Redact] | 34760885 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/21/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9500128 | [Redact] | [Redact] | 34402259 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-31): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-30): (Rate Lock) Tracking number for note is: [Redacted] | 10/31/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9500128 | [Redact] | [Redact] | 34798096 |  | 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 (2025-10-24): Sufficient Cure Provided At Closing |  | 10/24/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9500128 | [Redact] | [Redact] | 34798138 |  | 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 (2025-10-31): Received CDA. Exception Cleared.<br>Seller Comment (2025-10-30): (Rate Lock) attached | 10/31/2025 |  |  | 1 D A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9501828 | [Redact] | [Redact] | 34416124 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-28): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-24): (Rate Lock) Original note delivered [Redacted] per [Redacted][Redacted] | 10/28/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9501828 | [Redact] | [Redact] | 34765005 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted] valuation is missing. Sec ID: [Redacted] |  | The file is missing a copy of the supporting [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-26): Received UCDP. Exception Cleared.<br>Seller Comment (2025-10-24): (Rate Lock) [Redacted] - SSR | 10/26/2025 |  |  | 1 D A |  | [Redact] | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9501828 | [Redact] | [Redact] | 34765016 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of Tax Verification. |  |  |  | Reviewer Comment (2025-10-28): Received Insurance Verification. Exception Cleared.<br>Seller Comment (2025-10-27): (Rate Lock) Insurance Verification for [Redacted]<br>Reviewer Comment (2025-10-27): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Tax Verification<br>Reviewer Comment (2025-10-26): Received Tax certificate. Required insurance certificate to clear this condition. Exception Remains.<br>Seller Comment (2025-10-24): (Rate Lock) Tax Verification for [Redacted] | 10/28/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9501828 | [Redact] | [Redact] | 34765031 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | The file is missing a copy of Purchase Agreement / Sales Contract. |  |  |  | Reviewer Comment (2025-10-26): Received Purchase Agreement / Sales Contract. Exception Cleared.<br>Seller Comment (2025-10-24): (Rate Lock) Purchase Contract | 10/26/2025 |  |  | 1 D A |  | [Redact] | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9501828 | [Redact] | [Redact] | 34765033 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). |  | The file is missing a copy of Universal Loan Identifier (ULI). |  |  |  | Reviewer Comment (2025-10-27): ULI provided<br>Seller Comment (2025-10-24): (Rate Lock) [Redacted] number | 10/27/2025 |  |  | 1 B A |  | [Redact] | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9501828 | [Redact] | [Redact] | 34765039 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule ([Redacted]: [Redacted] waived right to receive a copy of the appraisal at least [Redacted] business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to [Redacted] was not provided. |  |  |  |  |  |  | 10/23/2025 | 2 B |  | [Redact] | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9501879 | [Redact] | [Redact] | 34423474 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-16): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-14): (Rate Lock) Note - track #[Redacted]- delivered on [Redacted] | 10/16/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9501879 | [Redact] | [Redact] | 34709717 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 10/13/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9501879 | [Redact] | [Redact] | 34709718 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 10/13/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9501879 | [Redact] | [Redact] | 34709720 |  | 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. | Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee. |  |  |  | Reviewer Comment (2025-10-13): Sufficient Cure Provided At Closing |  | 10/13/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9502466 | [Redact] | [Redact] | 34429988 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-17): Waived on Rate Lock: Collateral cleared by Custodian | 10/17/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9502491 | [Redact] | [Redact] | 34431673 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-08): Waived on Rate Lock: Collateral cleared by Custodian | 10/08/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9610720 | [Redact] | [Redact] | 34475964 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-13): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-12): (Rate Lock) note was shipped [Redacted] via tracking [Redacted]<br>Seller Comment (2025-11-10): (Rate Lock) note tracking | 11/13/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9504089 | [Redact] | [Redact] | 34476268 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-13): Waived on Rate Lock: Collateral cleared by Custodian | 10/13/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9504091 | [Redact] | [Redact] | 34476525 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-28): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-22): (Rate Lock) Good Afternoon. The collateral will be delivered tomorrow. <br> [Redacted]Tracking # [Redacted] | 10/28/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9504091 | [Redact] | [Redact] | 34643490 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing copy of Fraud Report. |  |  |  | Reviewer Comment (2025-10-10): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-10-08): (Rate Lock) Please see attached | 10/10/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9504091 | [Redact] | [Redact] | 34643504 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | The file was missing copy of the Fraud Report |  |  |  | Reviewer Comment (2025-10-10): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-10-08): (Rate Lock) Please see attached | 10/10/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9504091 | [Redact] | [Redact] | 34656616 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard 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 (2025-10-23): Received replacement cost estimator. Exception Cleared.<br>Seller Comment (2025-10-22): (Rate Lock) See attached updated [Redacted]<br>Reviewer Comment (2025-10-15): Provide updated policy reflecting minimum coverage of $[Redacted] or provide a copy of the replacement cost estimator from the insurance company, a revised policy/dec page with increased coverage, or documentation from the insurance company verifying the policy has Guaranteed Replacement cost coverage. . Exception Remains.<br>Seller Comment (2025-10-14): (Rate Lock) [Redacted]- Are you saying that the min dwelling coverage needs to be $[Redacted]? That is more than the loan amount which is [Redacted]. Why did this increase from your original condition?<br>Reviewer Comment (2025-10-13): The [Redacted] method was used to determine the coverage requirement. The appraisal identified the Total Estimate of Cost New as $[Redacted] and [Redacted]% of this value is identified as insured value. Coverage of at least $[Redacted]is required. The insurance is insufficient by $[Redacted]. Provide a copy of the replacement cost estimator from the insurance company, a revised policy/dec page with increased coverage, or documentation from the insurance company verifying the policy has Guaranteed Replacement cost coverage. Exception Remains.<br>Seller Comment (2025-10-09): (Rate Lock) Please see attached LOX<br>Reviewer Comment (2025-10-09): Required replacement cost estimator or hazard insurance policy with additional coverage to clear this condition. Exception Remains.<br>Seller Comment (2025-10-07): (Rate Lock) Please see attached | 10/23/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9504091 | [Redact] | [Redact] | 34658807 |  | 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] |  |  |  |  |  |  |  | 10/06/2025 | 2 B |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9551033 | [Redact] | [Redact] | 34478983 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-08): Waived on Rate Lock: Collateral cleared by Custodian | 10/08/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9551033 | [Redact] | [Redact] | 34642626 |  | 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 MERS Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Mers Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-29): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-10-28): Please see the attached Letter of Explanation, Corrected Closing Disclosure, Refund Check, and proof of delivery |  | 10/29/2025 |  | 2 C B |  | [Redact] | Primary | Purchase | 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 |
| [Redact] | 9551033 | [Redact] | [Redact] | 34642627 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Flood Certification (Life Of Loan) Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-14): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-10-13): [Redacted]: A tolerance credit in the amount of $[Redacted] for the Flood Certification fee was reflected on the final Closing Disclosure | 10/14/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | 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 |
| [Redact] | 9554480 | [Redact] | [Redact] | 34488134 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-08): Waived on Rate Lock: Collateral cleared by Custodian | 10/08/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9554480 | [Redact] | [Redact] | 34639739 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | The file is missing a copy of the Fraud Report. |  |  |  | Reviewer Comment (2025-10-09): Received fraud report. Exception Cleared.<br>Seller Comment (2025-10-07): Fraud Report | 10/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9554480 | [Redact] | [Redact] | 34639744 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of the Fraud Report. |  |  |  | Reviewer Comment (2025-10-09): Received fraud report. Exception Cleared.<br>Seller Comment (2025-10-07): Fraud Report | 10/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9554480 | [Redact] | [Redact] | 34639759 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Wages | General QM: Unable to verity income due to, missing W-2, Paystub, LES, ETS or WVOE. | The file is missing a pay stub or other income documentation to verify the current income. The contract for the borrower was dated > [Redacted] days from closing. Current income documentation is required per QM regulations. |  |  |  | Reviewer Comment (2025-10-15): Proof of receipt of income and the [Redacted] contract was provided.<br>Seller Comment (2025-10-13): Hi, the borrower is a [Redacted] in the [Redacted] League. They don't play year round. They have Seasons. These are the last deposits for the Ending [Redacted] of [Redacted].<br>Reviewer Comment (2025-10-13): The updated contract was provided. The file is still missing receipt of the current income. A pay stub or other documentation verifying receipt of the income is required. Condition remains<br>Seller Comment (2025-10-10): Income | 10/15/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9554480 | [Redact] | [Redact] | 34639762 |  | 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. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2025-10-15): Loan is SHQM(APOR). | 10/15/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9554480 | [Redact] | [Redact] | 34639797 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | VVOE was verified post close. |  |  |  | Reviewer Comment (2025-10-09): VVOE acceptable as per guideline. Exception Cleared.<br>Seller Comment (2025-10-07): Hi, please advise why this is a problem. This just proves the borrower is still employed. | 10/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9554493 | [Redact] | [Redact] | 34489054 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-13): Waived on Rate Lock: Collateral cleared by Custodian | 10/13/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9554493 | [Redact] | [Redact] | 34679234 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. |  |  |  | Reviewer Comment (2025-10-15): Earlier disclosure provided<br>Seller Comment (2025-10-15): Per Regulation 22.9 (f) "... A bank will be considered to be in compliance with the requirement for notice to the borrower of this section by providing written notice to the borrower containing the language presented in appendix A to this part within a reasonable time before the completion of the transaction. The notice presented in appendix A to this part satisfies the borrower notice requirements of the Act." This does not state that it must be signed but only delivered to the borrower within a reasonable time. Please reference the attached Flood hazard area notice and TRID History highlighted in yellow showing it distributed and clicked. | 10/15/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9554493 | [Redact] | [Redact] | 35862756 |  | 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]. | The most recent years personal tax returns were not provided |  |  |  |  |  |  | 02/20/2026 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9554493 | [Redact] | [Redact] | 35862757 |  | 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]. | The most recent years personal tax returns were not provided |  |  |  |  |  |  | 02/20/2026 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9554852 | [Redact] | [Redact] | 34489787 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-08): Waived on Rate Lock: Collateral cleared by Custodian | 10/08/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9555146 | [Redact] | [Redact] | 34496037 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-03): Waived on Rate Lock: Collateral cleared by Custodian | 10/03/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9555146 | [Redact] | [Redact] | 34523778 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing a copy of HOA Verification. |  |  |  | Reviewer Comment (2025-10-02): The received document states that there is no HOA. Exception Cleared.<br>Seller Comment (2025-10-01): [Redacted]: Please see attached document that shows no HOA is associated with either properties. | 10/02/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9555146 | [Redact] | [Redact] | 34523875 |  | 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]. $[Redacted] over legal limit. 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-10-09): [Redacted] Received Valid COC dated [Redacted] along with rate lock showing pricing change.<br>Seller Comment (2025-10-08): [Redacted]: Please see attached Rate Lock sheets and corresponding disclosure. On [Redacted] the DTI changed, affecting the [Redacted], negative pricing disclosed on the [Redacted] CD | 10/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | 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 |
| [Redact] | 9555146 | [Redact] | [Redact] | 34531443 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/23/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9555146 | [Redact] | [Redact] | 34532241 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2025-10-08): Asset requirement met. Exception Cleared.<br>Seller Comment (2025-10-03): [Redacted]: Please see all POCB invoices to source those funds please also see statement showing one EMD amount leaving the account and the other being backed out of available funds. Borrower has more than enough funds for closing.<br>Seller Comment (2025-10-03): [Redacted]: Please see all [Redacted] invoices to source those funds please also see statement showing one EMD amount leaving the account and the other being backed out of available funds. Borrower has more than enough funds for closing.<br>Reviewer Comment (2025-10-02): Per the Final Closing Disclosure (CD), the cash to close is $[Redacted]. When adding the Earnest Money Deposit (EMD) of $[Redacted] and the Paid Outside of Closing Borrower (POCB) amount of $[Redacted], the total cash required from the borrower is $[Redacted] . Exception Remains.<br>Seller Comment (2025-10-01): [Redacted]: Please see attached CD that shows the cash to close amount is $[Redacted] | 10/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9555146 | [Redact] | [Redact] | 34532277 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing docs to verify source of funds at [Redact] Bank for EMD in the amount of $[Redacted]. |  |  |  | Reviewer Comment (2025-10-08): EMD backed out from #[Redacted]. Exception Cleared.<br>Seller Comment (2025-10-03): [Redacted]: Please see all POCB invoices to source those funds please also see statement showing one EMD amount leaving the account and the other being backed out of available funds. Borrower has more than enough funds for closing.<br>Reviewer Comment (2025-10-02): A bank statement is required to verify the source of funds for the EMD, which has been debited from the borrower's account. Exception Remains.<br>Seller Comment (2025-10-01): [Redacted]: Please see attached EMD receipts and EMD checks | 10/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9555236 | [Redact] | [Redact] | 34496594 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian | 11/04/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9555236 | [Redact] | [Redact] | 34797409 |  | 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. |  |  |  |  |  |  |  |  | 10/29/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9555236 | [Redact] | [Redact] | 34797429 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Verification of Rent (VOR) / Verification of Mortgage (VOM) document not provided |  |  |  | Reviewer Comment (2025-11-05): Verification of Mortgage (VOM) not required as per guideline. Exception Cleared.<br>Seller Comment (2025-11-03): [Redacted] - [Redacted]: Verification of the borrower's rental payment history is not required per the agreed upon guidelines between [Redacted] and [Redacted]. Additionally, this documentation is not required per the AUS findings. | 11/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9555323 | [Redact] | [Redact] | 34497131 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian | 11/26/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9555323 | [Redact] | [Redact] | 35036782 |  | 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. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 11/21/2025 | 2 B |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9555323 | [Redact] | [Redact] | 35036793 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing a copy of HOA document. |  |  |  | Reviewer Comment (2025-12-04): Received revised Tax Cert. Exception Cleared.<br>Seller Comment (2025-12-03): [Redacted] [Redacted]: You did not calculate the taxes correctly which is the cause of the discrepancy. Taxes are $[Redacted] per month. $[Redacted] + $[Redacted] / 12 = $[Redacted]<br>Reviewer Comment (2025-11-28): As per final 1003 total expenses is $[Redacted] however verified only $[Redacted]. Required supporting documents to verify remaining $[Redacted] or revised 1003 to clear this condition. Exception Remains.<br>Seller Comment (2025-11-25): [Redacted] [Redacted]: There are no indication of HOA dues on this REO. | 12/04/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9555323 | [Redact] | [Redact] | 35036847 |  | 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 (2025-11-21): Sufficient Cure Provided At Closing |  | 11/21/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9555323 | [Redact] | [Redact] | 35038035 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Appraiser initiated valuation on [Redacted], receipt of appraisal [Redacted] and official reported on [Redacted]. |  |  |  |  |  |  | 11/21/2025 | 2 B |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9556892 | [Redact] | [Redact] | 34512906 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-13): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-12): (Rate Lock) [Redacted] tracking | 10/13/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9556892 | [Redact] | [Redact] | 34680615 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted]% tolerance was exceeded by $[Redacted]due to increase of recording fee. No valid COC provided, nor evidence of [Redacted]in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-27): [Redacted] received valid COC document<br>Seller Comment (2025-10-25): (Rate Lock) coc and cd | 10/27/2025 |  |  | 1 C A |  | [Redact] | Second Home | 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 |
| [Redact] | 9557096 | [Redact] | [Redact] | 34515090 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-06): (Rate Lock) original collateral sent [Redacted] via [Redacted] [Redacted] | 11/10/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9557096 | [Redact] | [Redact] | 34864636 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/04/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9557096 | [Redact] | [Redact] | 34864637 |  | 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 (2025-10-31): Sufficient Cure Provided At Closing |  | 10/31/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9557096 | [Redact] | [Redact] | 34865097 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | AUS not provided. |  |  |  | Reviewer Comment (2025-11-10): Received AUS. Exception Cleared.<br>Seller Comment (2025-11-06): (Rate Lock) original collateral sent [Redacted] via [Redacted] [Redacted]<br>Seller Comment (2025-11-06): (Rate Lock) DU | 11/10/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9606020 | [Redact] | [Redact] | 34523222 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-23): Waived on Rate Lock: Collateral cleared by Custodian | 10/23/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9606020 | [Redact] | [Redact] | 34750043 |  | Credit | Disclosure | Missing Document | Disclosure | [Redacted] Consent Agreement is missing. |  | The file was missing a copy of [Redacted] Consent Agreement |  |  |  | Reviewer Comment (2025-10-27): Received [Redacted] Consent Agreement. Exception Cleared.<br>Seller Comment (2025-10-24): (Rate Lock) esign | 10/27/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9606020 | [Redact] | [Redact] | 34750097 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. |  |  |  |  |  |  |  | 10/17/2025 | 2 B |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9606020 | [Redact] | [Redact] | 34750103 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to [Redacted](s) at least [Redacted]business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-10-27): [Redacted] received disclosure tracking for the [Redacted] CD.<br>Seller Comment (2025-10-24): (Rate Lock) [Redacted]CD- viewed and accepted by borrower [Redacted] | 10/27/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9606831 | [Redact] | [Redact] | 34531466 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-15): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-13): (Rate Lock) Delivered [Redacted] via [Redacted] [Redacted] | 10/15/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9606831 | [Redact] | [Redact] | 34677138 |  | 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 (2025-10-14): [Redacted] received [Redacted] CD received [Redacted] business days prior to consummation.<br>Seller Comment (2025-10-13): (Rate Lock) Initial CD | 10/14/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9608292 | [Redact] | [Redact] | 34533938 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-24): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-22): (Rate Lock) Note was delivered via [Redacted] [Redacted] | 10/24/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9608292 | [Redact] | [Redact] | 34757114 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines require Minimum 3 open tradelines, with at least 1 tradeline open for a minimum 24 months from the application date. Borrower only has one open tradeline. Client exception approval in loan file. | The qualifying DTI on the loan is less than or equal to [Redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | DTI: of [Redacted] where [Redacted] is maximum<br>Reserves of [Redacted] months reserves where [Redacted]. is required. [Redacted] | [Redact],Originator Pre-Close,Aggregator<br>Originator Pre-Close,Aggregator,[Redact] | Reviewer Comment (2025-10-17): Client elects to waive with compensating factors:<br> Credit depth: [Redacted] years mortgage history and [Redacted] years trade history paid as agreed.<br> DTI: of [Redacted] where [Redacted] is maximum<br> Reserves of [Redacted] months reserves where [Redacted]. is required. [Redacted]X |  |  | 10/17/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9389634 | [Redact] |  | 34543445 |  | 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 taxes 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 (2025-09-04): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-03): [Redacted]: Please see the attachment. |  | 09/04/2025 |  | 2 C B |  | [Redact] | Primary | Purchase | 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 |
| [Redact] | 9389636 | [Redact] |  | 34543497 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-08-29): seller accepts; no change to grading. |  |  | 08/29/2025 | 2 B |  | [Redact] | Primary | Purchase | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9389621 | [Redact] |  | 34574036 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  |  |  |  |  | 2 B |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9610942 | [Redact] | [Redact] | 34544816 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-15): Waived on Rate Lock: Collateral cleared by Custodian | 10/15/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9610942 | [Redact] | [Redact] | 34710578 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing verification of HOA dues. |  |  |  | Reviewer Comment (2025-10-23): Clarification provided; additional expenses were taxes due to the shortage in the escrow on the 1st mortgage.<br>Seller Comment (2025-10-21): The impounds were short as noted on the mortgage statement.<br>Recent bills for tax/insurance were provided and the expense was higher than the impound amount so the shortage was added to the DTI. <br>Impounds were at [Redacted] . Tax/insurance was at [Redacted].<br>[Redacted]-[Redacted]=[Redacted]<br>Reviewer Comment (2025-10-17): Final 1003 indicates that the [Redacted] property has "Other Expenses" of $[Redacted]. However, the mortgage statement confirms that taxes and insurance are escrowed. Please provide documentation to support the nature of the "Other Expenses" reflected. Exception Remains.<br>Seller Comment (2025-10-15): hello. REO property does not have HOA. please find attached property profile. | 10/23/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9610942 | [Redact] | [Redact] | 34710652 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the [Redacted]at Closing. | Sufficient cure was provided. |  |  |  | Reviewer Comment (2025-10-13): Sufficient [Redacted] Provided At Closing |  | 10/13/2025 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9652790 | [Redact] | [Redact] | 34592085 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-14): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-12): (Rate Lock) Collateral delivered [Redacted] via [Redacted]tracking #[Redacted] | 11/14/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9652912 | [Redact] | [Redact] | 34594302 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-20): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-18): Collateral delivered on [Redacted] via fedex tracking number [Redacted] | 11/20/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9688974 | [Redact] | [Redact] | 34601319 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-13): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-12): (Rate Lock) [Redacted] tracking #[Redacted] shows collateral was delivered [Redacted] | 11/13/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9688974 | [Redact] | [Redact] | 34932147 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [Redacted] |  | The file is missing a copy of Appraisal. |  |  |  | Reviewer Comment (2025-11-13): Received Appraisal (1004). Exception Cleared.<br>Seller Comment (2025-11-12): (Rate Lock) Appraisal | 11/13/2025 |  |  | 1 D A |  | [Redact] | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9688974 | [Redact] | [Redact] | 34932150 |  | Credit | Credit | Credit Documentation | Credit | Purchase contract date not provided. |  | The file is missing a copy of the purchase agreement |  |  |  | Reviewer Comment (2025-11-13): Received purchase agreement. Exception Cleared.<br>Seller Comment (2025-11-12): (Rate Lock) Purchase Agreement | 11/13/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9688974 | [Redact] | [Redact] | 34932163 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | The file is missing a copy of Flood Certificate. |  |  |  | Reviewer Comment (2025-11-13): Received Flood Certificate. Exception Cleared.<br>Seller Comment (2025-11-12): (Rate Lock) Flood Cert | 11/13/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9688974 | [Redact] | [Redact] | 34932168 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The file is missing a copy of Hazard Insurance Policy. |  |  |  | Reviewer Comment (2025-11-13): Received Hazard Insurance Policy. Exception Cleared.<br>Seller Comment (2025-11-12): (Rate Lock) HOI | 11/13/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9688974 | [Redact] | [Redact] | 34932183 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | The file is missing a copy of Purchase Agreement / Sales Contract. |  |  |  | Reviewer Comment (2025-11-13): Received Purchase Agreement. Exception Cleared.<br>Seller Comment (2025-11-12): (Rate Lock) Purchase Agreement | 11/13/2025 |  |  | 1 D A |  | [Redact] | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9688974 | [Redact] | [Redact] | 34932201 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The file is missing a copy of Appraisal. |  |  |  | Reviewer Comment (2025-11-13): Received Appraisal (1004). Exception Cleared.<br>Seller Comment (2025-11-12): (Rate Lock) Appraisal | 11/13/2025 |  |  | 1 D A |  | [Redact] | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9688974 | [Redact] | [Redact] | 34932363 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule ([Redacted]): Creditor did not provide List of Homeownership Counseling Organizations to [Redacted]. | The file was missing a copy of the Homeownership Counseling disclosure or proof of the [Redacted] receipt within [Redacted] days of the application date. |  |  |  | Reviewer Comment (2025-11-13): Received homeownership counseling list. Exception Cleared.<br>Seller Comment (2025-11-12): (Rate Lock) Homeownership Counseling Organization List and Ack of Receipt | 11/13/2025 |  |  | 1 B A |  | [Redact] | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9688974 | [Redact] | [Redact] | 34932365 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: [Redacted] not provided with list of service providers. | The file was missing a copy of the Settlement Service Provider List disclosure provided to the [Redacted] within [Redacted] business days of the application date. |  |  |  | Reviewer Comment (2025-11-18): [Redacted] received [Redacted] | 11/18/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9688974 | [Redact] | [Redact] | 34932366 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the [Redacted]. |  |  |  | Reviewer Comment (2025-11-18): [Redacted]received [Redacted]<br>Seller Comment (2025-11-17): (Rate Lock) [Redacted]<br>Reviewer Comment (2025-11-12): [Redacted] received rebuttal. However, the file is missing Settlement service provider list. Kindly provide [Redacted] in order to re-baseline title fees.<br>Seller Comment (2025-11-12): (Rate Lock) Disclosure Tracking Reasons | 11/18/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | 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 |
| [Redact] | 9688974 | [Redact] | [Redact] | 34933386 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The HOA Verification, Insurance Verification, Statement, Tax Verification is missing in the file. |  |  |  | Reviewer Comment (2025-11-13): Received Mortgage Statement & HOA Verification. Exception Cleared.<br>Seller Comment (2025-11-12): (Rate Lock) Property Docs | 11/13/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9688974 | [Redact] | [Redact] | 34936354 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their [Redacted] residence. (Compliance testing performed based on the Occupancy Type of [Redacted]Home). | There is evidence on the initial 1003 that the [Redacted] intends to occupy the property as their [Redacted] residence. |  |  |  |  |  |  | 11/08/2025 | 2 B |  | [Redact] | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9688974 | [Redact] | [Redact] | 34981874 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. |  |  |  |  |  |  |  | 11/13/2025 | 2 B |  | [Redact] | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9688974 | [Redact] | [Redact] | 34981900 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted]valuation is missing. Sec ID: [Redacted] |  | The file is missing a copy of the [Redacted]valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-11-21): valuation provided<br>Seller Comment (2025-11-21): (Rate Lock) [Redacted] | 11/21/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9689664 | [Redact] | [Redact] | 34604327 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by Custodian | 12/15/2025 |  |  | 1 A |  | [Redact] | Second Home | Refinance - Rate/Term | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9689664 | [Redact] | [Redact] | 35174166 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted]. Sufficient or excess cure was provided to the [Redacted]at Closing. |  |  |  |  | Reviewer Comment (2025-12-08): Sufficient Cure Provided At Closing |  | 12/08/2025 |  | 1 A |  | [Redact] | Second Home | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9693377 | [Redact] | [Redact] | 34613194 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-03): (Rate Lock) Original collateral sent [Redacted] via [Redacted] [Redacted] | 11/04/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9693377 | [Redact] | [Redact] | 34888850 |  | 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 (2025-11-04): Sufficient Cure Provided At Closing |  | 11/04/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9693377 | [Redact] | [Redact] | 34888851 |  | 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 (2025-11-04): Sufficient Cure Provided At Closing |  | 11/04/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9693377 | [Redact] | [Redact] | 34892165 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Upon further review, the max allowable DTI for the program is [Redacted]% and the loan closed with a DTI of [Redacted]%. |  |  |  | Reviewer Comment (2025-11-24): Received credit report. Exception Cleared.<br>Seller Comment (2025-11-24): (Rate Lock) [Redacted] supplement less than [Redacted] mo | 11/24/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9693377 | [Redact] | [Redact] | 34892174 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) |  |  |  |  | Reviewer Comment (2025-11-24): Received credit report. Exception Cleared.<br>Seller Comment (2025-11-24): (Rate Lock) [Redacted] supplement less than [Redacted] mo | 11/24/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9693377 | [Redact] | [Redact] | 34892175 |  | 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 (2025-11-24): Received credit report. Exception Cleared.<br>Seller Comment (2025-11-24): (Rate Lock) [Redacted] supplement less than [Redacted] mo | 11/24/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9693377 | [Redact] | [Redact] | 34892177 |  | 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. | Upon further review, the max allowable DTI for the program is [Redacted]% and the loan closed with a DTI of [Redacted]%. |  |  |  | Reviewer Comment (2025-11-24): Received credit report. Exception Cleared.<br>Seller Comment (2025-11-24): (Rate Lock) [Redacted] supplement less than [Redacted] mo | 11/24/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9693584 | [Redact] | [Redact] | 34616680 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-04): Waived on Rate Lock: Collateral cleared by Custodian | 11/04/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9693989 | [Redact] | [Redact] | 34632081 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-13): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-12): here is the tracking [Redacted] | 11/13/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9693989 | [Redact] | [Redact] | 34935344 |  | 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 is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  | 11/11/2025 | 2 B |  | [Redact] | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9693989 | [Redact] | [Redact] | 34935399 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | The homeowner's insurance declarations page in the file verified an effective date of [Redacted] which is after the consummation date of [Redacted]. Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation. |  |  |  | Reviewer Comment (2025-11-14): Received hazard insurance policy. Exception Cleared.<br>Seller Comment (2025-11-13): HOI showing starting is [Redacted]<br>Seller Comment (2025-11-13): loan is a purchase. Please find attached email from insurance stating the inception date is [Redacted] | 11/14/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9693989 | [Redact] | [Redact] | 34935425 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  | The file is missing a copy of the appraisal. |  |  |  | Reviewer Comment (2025-11-14): Received Appraisal (1004). Exception Cleared. | 11/14/2025 |  |  | 1 D A |  | [Redact] | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9693989 | [Redact] | [Redact] | 34935438 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraisal is missing from file. |  |  |  | Reviewer Comment (2025-11-14): Received Appraisal (1004). Exception Cleared.<br>Seller Comment (2025-11-12): appraisal documents attached. 1st and 2nd | 11/14/2025 |  |  | 1 D A |  | [Redact] | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9693989 | [Redact] | [Redact] | 34956392 |  | Credit | Guideline | Guideline Issue | Guideline | File does not contain two full appraisals as required per guidelines. | Loan amount: ___ | Per the guidelines, loan amounts >$[Redacted] require 2 full appraisals. |  |  |  | Reviewer Comment (2025-11-14): Received Appraisal (1004). Exception Cleared.<br>Seller Comment (2025-11-12): appraisals 1 & 2 | 11/14/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9693990 | [Redact] | [Redact] | 34632142 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-15): Waived on Rate Lock: Collateral cleared by Custodian | 10/15/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9693991 | [Redact] | [Redact] | 34632174 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-16): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-15): tracking [Redacted] [Redacted] | 10/16/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9694495 | [Redact] | [Redact] | 34632819 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-30): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-28): note shipped [Redacted] [Redacted] | 10/30/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9694495 | [Redact] | [Redact] | 34787232 |  | 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. | 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 (2025-10-23): Sufficient Cure Provided At Closing |  | 10/23/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9694504 | [Redact] | [Redact] | 34633153 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-05): Waived on Rate Lock: Collateral cleared by Custodian | 11/05/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9694517 | [Redact] | [Redact] | 34634030 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-23): Waived on Rate Lock: Collateral cleared by Custodian | 10/23/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9694517 | [Redact] | [Redact] | 34754090 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard 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 (2025-10-23): Received replacement cost estimator. Exception Cleared.<br>Seller Comment (2025-10-22): [Redacted] [Redacted]: We are not able to request the [Redacted] per [Redacted]state law. See attached confirming that the loss settlement basis is replacement cost, which shows coverage is sufficient. | 10/23/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9694517 | [Redact] | [Redact] | 34759198 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for [Redacted] Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted]at Closing. | sufficient cure was provided at closing |  |  |  | Reviewer Comment (2025-10-17): Sufficient [Redacted]Provided At Closing |  | 10/17/2025 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9694752 | [Redact] | [Redact] | 34644066 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-27): Waived on Rate Lock: Collateral cleared by Custodian | 11/27/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9694752 | [Redact] | [Redact] | 35069117 |  | 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. | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 11/25/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9694752 | [Redact] | [Redact] | 35069274 |  | 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 Credits was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-11-28): [Redacted] received a valid COC.<br>Seller Comment (2025-11-26): Lock Confirmations. Redisclosures. and Change in Circumstance.<br>Seller Comment (2025-11-26): On [Redacted] the loan was lock with a pricing for the rate at -[Redacted]% or -$[Redacted]. On [Redacted] there change in circumstance to decrease the appraised value which caused the LTV to increase. This in turn, added LTV price adjustors causing the cost for the rate to increase from a credit to a charge of [Redacted]% or $[Redacted]. On [Redacted] there was a 7-day lock extension added to the file. This caused the pricing to increase to [Redacted]% or $[Redacted]. There was second lock extension added on [Redacted] causing the final pricing for the rate to be [Redacted]% or $[Redacted]. On wholesale loan lock actions are acceptable changes in circumstances. All adjustments in pricing where redisclosed to the borrower on the same day. Please see the attached Lock Confirmations. Redisclosures. and Change in Circumstance. | 11/28/2025 |  |  | 1 C A |  | [Redact] | 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 |
| [Redact] | 9694752 | [Redact] | [Redact] | 35069275 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. There was a lender credit of $[Redacted] to cover the cost to cure. |  |  |  | Reviewer Comment (2025-11-28): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-11-26): Please see the attached tolerance cure breakdown and final CD which shows the borrower was provided a credit at closing for the increase in the appraisal fee. | 11/28/2025 |  |  | 1 C A |  | [Redact] | 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 |
| [Redact] | 9694752 | [Redact] | [Redact] | 35116630 |  | 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 (2025-11-28): Sufficient Cure Provided At Closing |  | 11/28/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9698115 | [Redact] | [Redact] | 34662597 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-13): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-12): (Rate Lock) [Redacted] Tracking #[Redacted] shows Delivered [Redacted] [Redacted] at [Redacted]. | 11/13/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9698791 | [Redact] | [Redact] | 34671557 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-06): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-04): (Rate Lock) ORIGINAL NOTE DELIVERED [Redacted] PER [Redacted] [Redacted] | 11/06/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9698791 | [Redact] | [Redact] | 34854251 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Borrower provided appraisal waiver less than three (3) business days prior to consummation. | ECOA Receipt of Appraisal Without Waiver |  |  |  | Reviewer Comment (2025-11-04): Client elected to waive the condition. |  |  | 11/04/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9698791 | [Redact] | [Redact] | 34854256 |  | 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. | 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 (2025-10-30): Sufficient Cure Provided At Closing |  | 10/30/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9732118 | [Redact] | [Redact] | 34676300 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-03): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-31): (Rate Lock) [Redacted] | 11/03/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9698057 | [Redact] |  | 34750085 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). |  | ULI Information not provided in the file. |  |  |  | Reviewer Comment (2025-10-24): ULI provided<br>Buyer Comment (2025-10-22): [Redacted] | 10/24/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9698057 | [Redact] |  | 34750753 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-11-05): [Redacted] received a valid COC.<br>Seller Comment (2025-11-04): COC dated [Redacted]<br>Reviewer Comment (2025-10-29): [Redacted] Received COC dated [Redacted]; however, discount point fee increased on CD dated [Redacted] which is prior to COC dated [Redacted]. 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>Seller Comment (2025-10-27): COC for discount points | 11/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9698057 | [Redact] |  | 34750755 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-11-05): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-11-04): COC | 11/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9698057 | [Redact] |  | 34909813 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]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 (2025-11-05): Sufficient Cure Provided At Closing |  | 11/05/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9983761 | [Redact] | [Redact] | 34680574 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-06): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-04): (Rate Lock) original collateral sent [Redacted] via [Redacted] [Redacted] | 11/06/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9735280 | [Redact] | [Redact] | 34693334 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-20): Waived on Rate Lock: Collateral cleared by Custodian | 11/20/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9735280 | [Redact] | [Redact] | 34962770 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing in file |  |  |  | Reviewer Comment (2025-11-14): Received E-sign Consent Agreement. Exception Cleared.<br>Seller Comment (2025-11-13): [Redacted] [Redacted]: Please see the attached // | 11/14/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9735280 | [Redact] | [Redact] | 34962838 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing. |  |  |  |  |  |  | 11/12/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9735280 | [Redact] | [Redact] | 34962869 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Replacement cost estimator was not provided or extend dwelling coverage was not reflected on policy. Coverage is insufficient by $[Redacted]. |  |  |  | Reviewer Comment (2025-11-18): Received replacement cost estimator. Exception Cleared.<br>Seller Comment (2025-11-14): [Redacted] - [Redacted]: Please see the attached letter confirming a replacement cost of $[Redacted]. | 11/18/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9769238 | [Redact] | [Redact] | 34702406 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-08): Waived on Rate Lock: Collateral cleared by Custodian | 12/08/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9803307 | [Redact] | [Redact] | 34726177 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-24): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-22): note tracking [Redacted] [Redacted] [Redacted] | 10/24/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9804809 | [Redact] | [Redact] | 34727542 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-21): (Rate Lock) Note delivered [Redacted] via [Redacted] [Redacted] | 11/26/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9808760 | [Redact] | [Redact] | 34757736 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-07): (Rate Lock) Collateral shipped via [Redact] tracking [Redacted] | 11/11/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9808760 | [Redact] | [Redact] | 34886221 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/05/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9808760 | [Redact] | [Redact] | 34913210 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/05/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9808805 | [Redact] | [Redact] | 34758483 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-21): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-19): tracking for note [Redacted] | 11/21/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9809158 | [Redact] | [Redact] | 34764458 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-05): Waived on Rate Lock: Collateral cleared by Custodian | 12/05/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9809158 | [Redact] | [Redact] | 35117935 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-01-05): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2026-01-02): PCCD attached matching amounts to final Settlement statement.<br>Reviewer Comment (2025-12-15): [Redacted] Lender Credit and Lender Cure are different amounts. Provided lender Credit $[Redacted] cannot be consider as lender cure as Cure amount is not mentioned under section J inner column. If Lender credit $[Redacted] is provided for exceeding Second Appraisal fee than provide Corrected PCCD and LOE updated with $[Redacted] under section J inner column.<br>Seller Comment (2025-12-12): Lender credit was applied at close. No PCCD is required if cure was provided at close. Please clear<br>Reviewer Comment (2025-12-11): [Redacted] received rebuttal, however if credit was provided towards cure. Corrected PCCD updating the cure amount of $[Redacted] on inner column of sec J along with LOE and true & certified copy of final settlement statement is required.<br>Seller Comment (2025-12-10): 2nd appraisal amount was balanced out with a lender credit on the final CD. Sufficient cure amount provided to borrower at close. Please clear.<br>Reviewer Comment (2025-12-05): [Redacted] received updated LE and COC dated [Redacted], but it does not give sufficient information on what new information was received that required to add the additional appraisal fee. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2025-12-04): COC attached | 01/05/2026 |  |  | 1 C A |  | [Redact] | Second Home | 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 |
| [Redact] | 9809158 | [Redact] | [Redact] | 35147383 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | The file is missing the DU approval, required by the guides. The file contained an LP approval which is not acceptable. Note: the DU can be Approve/Eligible or Approve/Ineligible for the loan amount only. |  |  |  | Reviewer Comment (2025-12-08): Received AUS. Exception Cleared.<br>Seller Comment (2025-12-08): Attached | 12/08/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9809158 | [Redact] | [Redact] | 35147387 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | The file is missing the statement from [Redacted]-[Redacted] for account xx[Redacted]. |  |  |  | Reviewer Comment (2025-12-18): Received bank statement. Exception Cleared.<br>Seller Comment (2025-12-17): Attached<br>Reviewer Comment (2025-12-11): The guidelines defer to the Fannie Mae Selling guide and for a purchase transaction, the statements must cover the most recent full two-month period of account activity ([Redacted] days, or, if account information is reported on a quarterly basis, the most recent quarter). Currently income was only verified for the most recent [Redacted] days. The condition is valid and remains open.<br>Seller Comment (2025-12-10): Guideline does not require 2 most recent month's statements, just consecutive statements, which have been provided. Please clear<br>Reviewer Comment (2025-12-10): The guidelines require 2 months consecutive statements to use the assets for qualification. Additional copies of the statements with end dates of [Redacted], [Redacted], and [Redacted]. The initial file also contained a statement with an end date of [Redacted]. In order to have 2 months consecutive statements, the statement with the end date of [Redacted] is required. Condition remains<br>Seller Comment (2025-12-08): 3 months attached<br>Reviewer Comment (2025-12-08): As per guideline required 3 months consecutive bank statements. Required bank statement from [Redacted]-[Redacted] for account [Redacted] to clear this condition. Exception Remains.<br>Seller Comment (2025-12-04): AUS does not call for most recent month's statement. 3 consecutive months' statements prior to [Redacted] provided. Please clear. | 12/18/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9809508 | [Redact] | [Redact] | 34765658 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian | 11/26/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9809648 | [Redact] | [Redact] | 34772644 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-04): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-12-03): (Rate Lock) Note shipped [Redacted] via tracking number [Redacted]<br>Seller Comment (2025-12-02): (Rate Lock) tracking note | 12/04/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 200194781 | [Redact] | [Redact] | 34786133 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-16): Waived on Rate Lock: Collateral cleared by Custodian | 10/16/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 200202271 | [Redact] | [Redact] | 34786139 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-16): Waived on Rate Lock: Collateral cleared by Custodian | 10/16/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 200202271 | [Redact] | [Redact] | 34786141 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower not provided. |  |  |  | Reviewer Comment (2025-09-17): Waived per investor overlay letter. |  |  | 09/17/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9845416 | [Redact] | [Redact] | 34788202 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-05): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-12-04): (Rate Lock) [Redacted] | 12/05/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9845416 | [Redact] | [Redact] | 35120005 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 12/03/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9845416 | [Redact] | [Redact] | 35120006 |  | 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 (2025-12-11): [Redacted] Received copy of LE dated [Redacted] signed by borrower.<br>Seller Comment (2025-12-10): Please see attached copy of [Redacted] LE received and e-signed by borrowers on [Redacted]. | 12/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9845723 | [Redact] | [Redact] | 34788528 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-20): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-17): (Rate Lock) [Redacted] | 11/20/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9845837 | [Redact] | [Redact] | 34789153 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-20): Waived on Rate Lock: Collateral cleared by Custodian | 11/20/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9845849 | [Redact] | [Redact] | 34791045 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-05): Waived on Rate Lock: Collateral cleared by Custodian | 12/05/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9845893 | [Redact] | [Redact] | 34791150 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  | Waterfall due to missing HOEPA document. |  |  |  | Buyer Comment (2025-11-14): Waived on Rate Lock: Collateral cleared by Custodian | 11/14/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9846239 | [Redact] | [Redact] | 34796882 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-17): Waived on Rate Lock: Collateral cleared by Custodian<br>Buyer Comment (2025-12-11): (Rate Lock) tracking [Redacted]<br>Seller Comment (2025-11-21): (Rate Lock) tracking @ [Redacted] | 12/17/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9846239 | [Redact] | [Redact] | 35026141 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Borrowers Employed by a Family Member. Borrower's potential ownership in the business must be addressed by obtaining a letter from a qualified disinterested third-party not provided. |  |  |  | Reviewer Comment (2025-12-03): Received letter from a qualified disinterested third-party. Exception Cleared.<br>Seller Comment (2025-12-01): (Rate Lock) here you go | 12/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9846239 | [Redact] | [Redact] | 35026156 |  | 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 ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-12-03): Received letter from a qualified disinterested third-party. Exception Cleared.<br>Seller Comment (2025-12-01): (Rate Lock) here you go | 12/03/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9846239 | [Redact] | [Redact] | 35026165 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Borrowers Employed by a Family Member. Borrower's potential ownership in the business must be addressed by obtaining a letter from a qualified disinterested third-party not provided. |  |  |  | Reviewer Comment (2025-12-03): Received processor certificate. Exception Cleared.<br>Seller Comment (2025-12-01): (Rate Lock) here you go | 12/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9846239 | [Redact] | [Redact] | 35026167 |  | 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. | Borrowers Employed by a Family Member. Borrower's potential ownership in the business must be addressed by obtaining a letter from a qualified disinterested third-party not provided. |  |  |  | Reviewer Comment (2025-12-03): Received letter from a qualified disinterested third-party. Exception Cleared.<br>Seller Comment (2025-12-01): (Rate Lock) here you go | 12/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9846239 | [Redact] | [Redact] | 35026488 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Borrowers Employed by a Family Member. Borrower's potential ownership in the business must be addressed by obtaining a letter from a qualified disinterested third-party not provided. |  |  |  | Reviewer Comment (2025-12-03): Received letter from a qualified disinterested third-party. Exception Cleared.<br>Seller Comment (2025-12-01): (Rate Lock) here you go | 12/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9851222 | [Redact] | [Redact] | 34835292 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-02): Waived on Rate Lock: Collateral cleared by Custodian | 12/02/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9851222 | [Redact] | [Redact] | 35109277 |  | Compliance | Compliance | State Compliance | Misc. State Level | [Redact] Home Loan (Tangible Net Benefit Disclosure Not Provided) | [Redact] Home Loan ([Redacted]): Loan file does not contain a Tangible Net Benefit Disclosure (or similar document). | Loan file does not contain a Tangible Net Benefit Disclosure |  |  |  | Reviewer Comment (2025-12-17): Client elected to waive the condition<br>Reviewer Comment (2025-12-09): The disclosure is required as part of the deal testing/settings. Condition is valid and remains open<br>Seller Comment (2025-12-09): [Redacted] [Redacted]: The [Redacted] Tangible Net Benefit rules ([Redacted] and [Redacted]) have been repealed by the [Redacted] Board of Mortgage Loan Originators. The form was discussed during their rulemaking hearing on [Redacted]. The board discussed whether the form was even needed anymore before ultimately passing a motion to repeal both rules that govern the net tangible benefit form requirement for [Redacted] |  |  | 12/17/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9852669 | [Redact] |  | 34870279 |  | 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. | 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 (2025-10-31): Sufficient Cure Provided At Closing |  | 10/31/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9852655 | [Redact] |  | 34913515 |  | 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 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. |  |  |  |  |  |  | 11/05/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9852655 | [Redact] |  | 34916815 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | The file is missing documentation from the seller confirming the condo is warrantable. Note: the HOA questionnaire in file from the HOA is not acceptable. | Borrower's monthly mortgage payment has decreased by at least [Redacted]%.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>The representative FICO score is above [Redacted]. | Payment shock of -[Redacted]%<br>Residual income of $[Redacted] monthly | [Redact],Aggregator<br>Aggregator,[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-12-03): Client elected to waive the condition with the following Comp Factors: Payment shock of -[Redacted]% + Residual income of $[Redacted] monthly<br>Reviewer Comment (2025-12-02): Provided project approval is not for subject property. Exception Remains.<br>Seller Comment (2025-12-01): These should be more that sufficient<br>Seller Comment (2025-12-01): We will escalate to buyer since all of the other exceptions for this type of thing read as - The file is missing documentation from the seller confirming the condo is warrantable. Note: the HOA questionnaire in file from the HOA is not acceptable. - We have provided evidence that [Redacted] confirmed warrantable and now you are stating something else.<br>Reviewer Comment (2025-12-01): As per guideline required project approval to clear this condition. Exception Remains.<br>Seller Comment (2025-11-26): The Condo Questionnaire was completed by [Redacted] and not the HOA therefore is acceptable for use. |  |  | 12/03/2025 | 2 C B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9852658 | [Redact] |  | 34870178 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted]supports value. Vendor/ [Redacted]do not meet Fitch criteria. Sec ID: [Redacted] |  | The file is missing a copy of the supporting [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-11-07): [Redacted]valuation obtained | 11/07/2025 |  |  | 1 A D |  | [Redact] | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9852658 | [Redact] |  | 34870194 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is Missing HOA Verification. |  |  |  | Reviewer Comment (2025-11-25): Received Tax & hazard insurance. Exception Cleared.<br>Seller Comment (2025-11-24): No HOA | 11/25/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9852658 | [Redact] |  | 34870203 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Verification appraisal was delivered to [Redacted] was not provided. |  |  |  |  |  |  | 11/05/2025 | 2 B |  | [Redact] | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9852658 | [Redact] |  | 34916398 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted]/ Collateral Desktop Analysis (CDA) - No MLS Sheets - [Redacted] Days |  |  |  | Reviewer Comment (2025-11-07): [Redacted]valuation obtained<br>Reviewer Comment (2025-11-07): Valuation Received -[Redacted] | 11/07/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9852671 | [Redact] |  | 34886282 |  | 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. | The commitment title report in file disclosed $[Redacted]of title insurance Coverage; however, this is less than the loan amount of [Redacted] |  |  |  |  |  |  | 11/05/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9852662 | [Redact] |  | 34870307 |  | 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. | 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 (2025-10-31): Sufficient Cure Provided At Closing |  | 10/31/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9852663 | [Redact] |  | 34920369 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted]. Sufficient or excess cure was provided to the [Redacted]at Closing. |  |  |  |  | Reviewer Comment (2025-11-06): Sufficient Cure Provided At Closing |  | 11/06/2025 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9852663 | [Redact] |  | 34920370 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted]at Closing. |  |  |  |  | Reviewer Comment (2025-11-06): Sufficient Cure Provided At Closing |  | 11/06/2025 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9852672 | [Redact] |  | 34886275 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Verification appraisal was delivered to [Redacted] was not provided. |  |  |  |  |  |  | 11/06/2025 | 2 B |  | [Redact] | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9852672 | [Redact] |  | 34886279 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted]at Closing. |  |  |  |  | Reviewer Comment (2025-11-03): Sufficient Cure Provided At Closing |  | 11/03/2025 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9852673 | [Redact] |  | 34888436 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-11-10): Secondary valuation obtained | 11/10/2025 |  |  | 1 A D |  | [Redact] | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9852673 | [Redact] |  | 34928540 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-11-10): Secondary valuation obtained<br>Reviewer Comment (2025-11-09): Valuation Received - [Redacted] | 11/10/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9852674 | [Redact] |  | 34873474 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/06/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9852675 | [Redact] |  | 34862349 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-11-10): Secondary valuation obtained | 11/10/2025 |  |  | 1 A D |  | [Redact] | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9852675 | [Redact] |  | 34862446 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 11/06/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9852675 | [Redact] |  | 34862449 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted]% tolerance was exceeded by $[Redacted] due to increase of recording fee and Title Doc fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted] a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-18): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-11-17): TRID | 11/18/2025 |  |  | 1 C A |  | [Redact] | 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 |
| [Redact] | 9852675 | [Redact] |  | 34862450 |  | 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 - Electronic Document Delivery Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Title - Electronic Document Delivery Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-18): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-11-17): Final CD with cure | 11/18/2025 |  |  | 1 C A |  | [Redact] | 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 |
| [Redact] | 9852675 | [Redact] |  | 34927093 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Property type discrepancy. |  | The AUS identified the property as SFR Detached however it is a PUD. Provide a revised DU approval correcting the property type. |  |  |  | Reviewer Comment (2025-11-20): Revised DU provided<br>Seller Comment (2025-11-18): AUS | 11/20/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9852675 | [Redact] |  | 34928542 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-11-10): Secondary valuation obtained<br>Reviewer Comment (2025-11-07): Valuation Received - [Redacted] | 11/10/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9852675 | [Redact] |  | 35002952 |  | 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 (2025-11-18): Sufficient Cure Provided At Closing |  | 11/18/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9852675 | [Redact] |  | 35002953 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-18): Sufficient Cure Provided At Closing |  | 11/18/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9856798 | [Redact] | [Redact] | 34865499 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-04): Waived on Rate Lock: Collateral cleared by Custodian | 12/04/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856798 | [Redact] | [Redact] | 35111839 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/02/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856798 | [Redact] | [Redact] | 35111840 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/02/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856755 | [Redact] |  | 34914112 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | ECOA Receipt of Appraisal Without Waiver |  |  |  |  |  |  | 11/08/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856755 | [Redact] |  | 34914114 |  | 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. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-12-01): [Redacted] Received Valid COC dated [Redacted] with additional information.<br>Seller Comment (2025-12-01): Lender credit details<br>Reviewer Comment (2025-11-25): [Redacted] received COC dated [Redacted] for decrease in credit due to decreased broker fee. <br>But, if the creditor subsequently reduces the specific lender credit because the broker fee decreased, then the creditor has a zero-tolerance standard violation because, although the amount of the Settlement fee decreased, the amount of the lender credit decreased. (Comment [Redacted](e)(3)(i)-5). Cure would be required. Lender credit is separate fee and is tested separately. No valid changed circumstance provided for reduction in lender credit. Please provide more information to validate how decrease in broker fee leads to decrease in lender credit or cure would be required.<br>Seller Comment (2025-11-24): COC | 12/01/2025 |  |  | 1 C A |  | [Redact] | 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 |
| [Redact] | 9856757 | [Redact] |  | 34913511 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 11/08/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856758 | [Redact] |  | 34915787 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 11/08/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856761 | [Redact] |  | 34913606 |  | 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]. $[Redacted] over legal limit. 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]. $[Redacted] over legal limit. No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2025-12-05): [Redacted] received valid COC document<br>Seller Comment (2025-12-04): Redisclosed response<br>Reviewer Comment (2025-12-03): [Redacted] received rebuttal, however as per closing statement fee is paid by borrower as POC. We have received loan transfer letter dated [Redacted] and fee was added on [Redacted] which is not within 3 days. Please provide appraisal transfer letter to re-evaluate the exception.<br>Seller Comment (2025-12-02): Appraisal response<br>Reviewer Comment (2025-12-01): [Redacted] received Letter of explanation and Corrected Closing disclosure. However, we also required Certified copy of the Final Settlement Statement to verify the specific fee was not charged to the borrower.<br>Seller Comment (2025-11-26): PCCD | 12/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | 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 |
| [Redact] | 9856761 | [Redact] |  | 34913678 |  | 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. |  |  |  |  |  |  | 11/10/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856761 | [Redact] |  | 34928449 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of secondary valuation to applicant three business days prior to consummation. |  |  |  |  |  |  | 11/10/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856761 | [Redact] |  | 34948439 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Property type discrepancy. |  | The appraisal identified the subject as an SFR Detached property; however there was a PUD Rider attached to the Deed of Trust and the DU identified the property as a PUD. Provide a revised appraisal identifying the property as a PUD. If the subject is not a PUD, provide proof the DOT will be re-recorded without the PUD rider and a revised DU approval. |  |  |  | Reviewer Comment (2025-12-05): Revised appraisal provided correcting the property type<br>Seller Comment (2025-12-04): corrective appraisal | 12/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856761 | [Redact] |  | 35169005 |  | 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. | A revised appraisal was provided correcting the property type and adding HOA dues. The final CD did not disclose the HOA dues. Provide a post-close CD correcting the Estimated Taxes, Insurance, & Assessments on page 1 and the Non-Escrowed property costs on page 4, a copy of the LOE sent to the borrower, and proof of delivery. |  |  |  | Reviewer Comment (2025-12-25): [Redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2025-12-24): PCCD |  | 12/25/2025 |  | 2 B |  | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9856762 | [Redact] |  | 34925527 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 11/10/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856762 | [Redact] |  | 34925528 |  | 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. |  |  |  |  | Buyer Comment (2025-11-12): Initial and Final Grade B, accepted |  |  | 11/12/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856762 | [Redact] |  | 34925626 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard 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 (2025-12-01): RCE received<br>Reviewer Comment (2025-11-25): RCE received.<br>Seller Comment (2025-11-24): RCE | 12/01/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856762 | [Redact] |  | 35259818 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Property type discrepancy. |  | Upon further review, the Deed of Trust had a PUD Rider attached and the AUS identified the property type as a PUD. However, the appraisal did not identify the property as a PUD. Provide a revised appraisal correcting the property type and adding the PUD information. |  |  |  | Reviewer Comment (2026-01-12): Revised appraisal correcting the property type was provided<br>Seller Comment (2026-01-12): Appraisal | 01/12/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856762 | [Redact] |  | 35445593 |  | 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 revised appraisal provided identified the HOA dues of $[Redacted] per year. The final CD did not identify the HOA dues in the Estimated Taxes, Insurance & Assessments on page 1 nor in the Non-Escrowed Property Costs over Year 1 on page 4. Provide a post-close CD updating the data and a copy of the letter of explanation sent to the borrower. |  |  |  | Reviewer Comment (2026-01-12): [Redacted] received Letter of explanation and Corrected Closing disclosure.<br>Seller Comment (2026-01-12): PCCD |  | 01/12/2026 |  | 2 B |  | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9856763 | [Redact] |  | 34938523 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. | Sufficient cure was provided at closing. |  |  |  | Reviewer Comment (2025-11-07): Sufficient Cure Provided within 60 Days of Closing |  | 11/07/2025 |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9856763 | [Redact] |  | 34938524 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: [Redacted] 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. | Sufficient cure was provided at closing. |  |  |  | Reviewer Comment (2025-11-07): Sufficient Cure Provided within 60 Days of Closing |  | 11/07/2025 |  | 1 A |  | [Redact] | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9856763 | [Redact] |  | 34938525 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. | Sufficient cure was provided at closing. |  |  |  | Reviewer Comment (2025-11-07): Sufficient Cure Provided within 60 Days of Closing |  | 11/07/2025 |  | 1 A |  | [Redact] | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9856766 | [Redact] |  | 34912051 |  | 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. | Coverage Shortfall. The Title Policy Amount of $[Redacted] is less than the Note amount of $[Redacted]. |  |  |  |  |  |  | 11/10/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856766 | [Redact] |  | 34912095 |  | 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]. | Most recent personal & business tax returns are not provided. |  |  |  |  |  |  | 11/10/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856766 | [Redact] |  | 34912096 |  | 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]. | Most recent personal & business tax returns are not provided. |  |  |  |  |  |  | 11/10/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856766 | [Redact] |  | 34912097 |  | 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. | Sufficient or excess cure provided to the borrower at Closing. No valid COC provided for change in Appraisal Review Fee. |  |  |  | Reviewer Comment (2025-11-05): Sufficient Cure Provided At Closing |  | 11/05/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9856767 | [Redact] |  | 34913557 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 11/10/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856769 | [Redact] |  | 34934346 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-11-07): Sufficient Cure Provided within 60 Days of Closing |  | 11/07/2025 |  | 1 A |  | [Redact] | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9856772 | [Redact] |  | 34920099 |  | 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 (2025-11-06): Sufficient Cure Provided At Closing |  | 11/06/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9856772 | [Redact] |  | 34947191 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10 |  |  |  |  |  | Reviewer Comment (2025-11-14): Secondary valuation obtained | 11/14/2025 |  |  | 1 A D |  | [Redact] | Primary | Refinance - Rate/Term | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856772 | [Redact] |  | 34954562 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-11-14): Secondary valuation obtained<br>Reviewer Comment (2025-11-13): Valuation Received - [Redacted] | 11/14/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856773 | [Redact] |  | 34925893 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] was received [Redacted] with Note date of [Redacted] missing evidence of waiver. |  |  |  |  |  |  | 11/10/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856773 | [Redact] |  | 34925895 |  | 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. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 11/10/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856774 | [Redact] |  | 34925145 |  | 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 (2025-11-12): Secondary valuation obtained | 11/12/2025 |  |  | 1 D A |  | [Redact] | Primary | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856774 | [Redact] |  | 34925381 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan allows for Partial Payments. | The Final CD did not have any of the boxes checked in the "Partial Payments" section on page 4. |  |  |  | Reviewer Comment (2025-12-19): [Redacted] received PCCD and LOE.<br>Seller Comment (2025-12-18): PCCD<br>Reviewer Comment (2025-12-15): [Redacted] received LOE & proof of mailing. However, as previously noted, the CD received on [Redacted] by [Redacted] is dated prior to the Final CD and is not tested as a Post Close Corrected CD. Must provide a Corrected CD with an Issue Date dated after the [Redacted] Final CD issue date.<br>Seller Comment (2025-12-12): LOE and tracking<br>Reviewer Comment (2025-12-03): Provided trailing CDs are dated [Redacted], and final CD is dated [Redacted]. Cure requires PCCD, LOE and proof of mailing.<br>Seller Comment (2025-12-02): Post CD and LOE from borrower<br>Reviewer Comment (2025-11-26): [Redacted] reviewed doc ID 0539, however, this is an interim CD, which reflects date issued [Redacted]. The Final CD would be the [Redacted] issue dated CD, Doc ID 0538, and is wet signed on [Redacted]. Security instrument dated [Redacted] for consummation date. A corrected CD and LOE to borrower, adding the page 4 Partial payments questions answered would be required to cure.<br>Seller Comment (2025-11-25): Doc ID 0539 is the CD e-signed at closing<br>Seller Comment (2025-11-25): CD and LOE<br>Reviewer Comment (2025-11-18): No PCCD was located in the loan file. Please re-upload PCCD and LOE for review.<br>Seller Comment (2025-11-17): Post CD |  | 12/19/2025 |  | 2 C B |  | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9856774 | [Redact] |  | 34954564 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-11-12): Secondary valuation obtained<br>Reviewer Comment (2025-11-12): Valuation Received - [Redacted] | 11/12/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856775 | [Redact] |  | 34927066 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 11/10/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856775 | [Redact] |  | 34927068 |  | 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 (2025-11-06): Sufficient Cure Provided At Closing |  | 11/06/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9856776 | [Redact] |  | 34938337 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Title - Lender's Title Insurance 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. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-26): [Redacted] received a valid COC.<br>Seller Comment (2025-11-25): TRID PASS, Lenders Title Insurance is subject to [Redacted]% tolerance<br>Seller Comment (2025-11-25): Lender's title insurance is subject to [Redacted]% tolerance and TRID passes reflecting pass. TRID uploaded<br>Reviewer Comment (2025-11-18): [Redacted] TItle - Lender title insurance 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>Seller Comment (2025-11-17): TRID pass | 11/26/2025 |  |  | 1 C A |  | [Redact] | 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 |
| [Redact] | 9856776 | [Redact] |  | 34938338 |  | 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] $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax 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. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-26): [Redacted] received a valid COC. | 11/26/2025 |  |  | 1 C A |  | [Redact] | 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 |
| [Redact] | 9856778 | [Redact] |  | 34927608 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Buyer Comment (2025-12-03): Initial and Final Grade B |  |  | 12/03/2025 | 2 A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Exempt from ATR | No |
| [Redact] | 9856778 | [Redact] |  | 34927611 |  | 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]. $[Redacted] over legal limit. 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. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-12-12): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-12-11): Corrected LOE and Post CD<br>Reviewer Comment (2025-12-08): [Redacted] ReceivedPCCD and LOE showing Cure amount as $[Redacted]; however, copy of check received for $[Redacted]. Please provide Corrected PCCD and LOE showing correct cure amount as per copy of check or provide Check for difference amount $[Redacted] with proof of Mailing.<br>Seller Comment (2025-12-05): Refund docs<br>Reviewer Comment (2025-12-03): [Redacted] received proof of mailing, however we also require corrected PCCD and LOE with cure amount of $[Redacted] as per check provided. Please provide corrected PCCD and LOE.<br>Seller Comment (2025-12-02): tracking<br>Reviewer Comment (2025-12-01): [Redacted] Received Corrected PCCD and LOE showing Cure amount as $[Redacted]; however, copy of check received for $[Redacted]. Please provide Corrected PCCD and LOE showing correct cure amount as per copy of check or provide Check for difference amount $0.50 with proof of Mailing.<br>Buyer Comment (2025-11-30): Delivered [Redacted] [Redacted]<br>Reviewer Comment (2025-11-26): [Redacted] received Post CD,LOX,Copy of refund check and proof of mailing . [Redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Seller Comment (2025-11-25): cure<br>Reviewer Comment (2025-11-20): [Redacted] received COC dated [Redacted] whereas the fee increased on CD dated [Redacted] for $[Redacted]. The provided COC is after the fee increased; therefore, we would require a valid COC for the fee increased on CD dated [Redacted] or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Seller Comment (2025-11-19): Initial CD is acknowledged by the borrower on [Redacted], which is the date of the COC<br>Reviewer Comment (2025-11-18): [Redacted] Received COC dated [Redacted]; however, discount point fee increased on CD dated [Redacted] which is prior to COC dated [Redacted]. Provide valid COC for discount point fee increased on CD dated [Redacted] or provide Cure Docs. Cure docs consist of PCCD, LOE, Refund Check and Proof of Mailing.<br>Seller Comment (2025-11-17): COC for discount point increase |  | 12/12/2025 |  | 2 C B |  | [Redact] | 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) | Exempt from ATR | Yes |
| [Redact] | 9856779 | [Redact] |  | 34925660 |  | 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 Title - Service Charges. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-11-06): Sufficient Cure Provided within 60 Days of Closing |  | 11/06/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9856779 | [Redact] |  | 34925664 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2025-12-02): Received fraud report. Exception Cleared. | 12/02/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856779 | [Redact] |  | 34925734 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-12-02): Received fraud report. Exception Cleared.<br>Seller Comment (2025-12-01): Fraud Report | 12/02/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856779 | [Redact] |  | 34936636 |  | 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. |  |  |  |  |  |  |  |  | 11/10/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860521 | [Redact] | [Redact] | 34896549 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by Custodian | 12/15/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860521 | [Redact] | [Redact] | 35167777 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  | 12/05/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860513 | [Redact] | [Redact] | 34896550 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by Custodian | 12/15/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860513 | [Redact] | [Redact] | 35183438 |  | 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 is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  | 12/09/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9861418 | [Redact] | [Redact] | 34916304 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-24): (Rate Lock) tracking #[Redacted] | 11/26/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9861418 | [Redact] | [Redact] | 35059506 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from use of incomplete Closing Disclosure are valid and will need to be cured (if curable). | The Final Closing Disclosure provided on [Redacted] is missing page 2 of 5. |  |  |  | Reviewer Comment (2025-11-26): [Redacted] received all pages of final CD<br>Seller Comment (2025-11-25): (Rate Lock) here you go<br>Reviewer Comment (2025-11-25): [Redacted] received [Redacted] Post close CD. However, this does not address that the final CD issued [Redacted], see doc ID 0257, is missing page 2, which is all the fees, which must be provided for a complete CD and TRID testing.<br>Seller Comment (2025-11-24): (Rate Lock) here is a post cd we completed | 11/26/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9861418 | [Redact] | [Redact] | 35059519 |  | 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. |  |  |  |  |  |  | 11/24/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860530 | [Redact] |  | 34943981 |  | 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. | Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-12-02): [Redacted] received a valid COC.<br>Seller Comment (2025-12-01): COC | 12/02/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | 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 |
| [Redact] | 9860531 | [Redact] |  | 34944985 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of HOA Verification for the [Redacted] residence. |  |  |  | Reviewer Comment (2025-12-18): Proof there are no HOA dues on the [Redacted] provided. A revised 1003 and 1008 provided updating the expenses.<br>Seller Comment (2025-12-18): Updated 1003 and 1008<br>Reviewer Comment (2025-12-16): As per final 1003 total expenses $[Redacted] however verified only $[Redacted]required supporting documents to verify remaining expenses $[Redacted]or revised 1003 & 1008 to clear this condition. Exception Remains.<br>Seller Comment (2025-12-15): Confirmed no HOA<br>Reviewer Comment (2025-11-25): Required HOA or supporting document to verify $[Redacted]. Exception Remains.<br>Seller Comment (2025-11-24): Not in a community with HOA | 12/18/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860531 | [Redact] |  | 34944990 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of HOA Verification for the REO. |  |  |  | Reviewer Comment (2025-11-25): Received HOA verification. Exception Cleared.<br>Seller Comment (2025-11-24): HOA | 11/25/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860531 | [Redact] |  | 34948055 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the [Redacted]at Closing. |  |  |  |  | Reviewer Comment (2025-11-10): Sufficient Cure Provided At Closing |  | 11/10/2025 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9860534 | [Redact] |  | 34943962 |  | 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 is within [Redacted] or [Redacted] and does not reflect a Coverage amount. Unable to determines if appropriate coverage is provided. |  |  |  |  |  |  | 11/11/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860534 | [Redact] |  | 34944445 |  | 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. | zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. |  |  |  | Reviewer Comment (2025-12-03): [Redacted] received COC and rate lock for change in pricing.<br>Seller Comment (2025-12-02): response<br>Reviewer Comment (2025-12-01): [Redacted]: The COC that was provided in the trailing images was also provided in the original loan package indicates 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>Seller Comment (2025-11-26): COC | 12/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | 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 |
| [Redact] | 9860534 | [Redact] |  | 34944446 |  | 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]. $[Redacted] over legal limit. 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]. $[Redacted] over legal limit |  |  |  | Reviewer Comment (2025-12-01): [Redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-11-26): $[Redacted] was cured at closing | 12/01/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | 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 |
| [Redact] | 9860534 | [Redact] |  | 35148329 |  | 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 (2025-12-03): Sufficient Cure Provided At Closing |  | 12/03/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9860535 | [Redact] |  | 34944828 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10 |  |  |  |  |  | Reviewer Comment (2025-11-17): Secondary valuation obtained | 11/17/2025 |  |  | 1 A D |  | [Redact] | Primary | Refinance - Rate/Term | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860535 | [Redact] |  | 34944845 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 11/11/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860535 | [Redact] |  | 34944846 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 11/11/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860535 | [Redact] |  | 34964120 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-11-17): Secondary valuation obtained<br>Reviewer Comment (2025-11-14): Valuation Received - [Redacted] | 11/17/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860536 | [Redact] |  | 34944516 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  | Valuations were not provided. |  |  |  | Reviewer Comment (2025-12-01): Received Appraisal (1004). Exception Cleared.<br>Seller Comment (2025-11-28): Invalid - See D0429 | 12/01/2025 |  |  | 1 D A |  | [Redact] | Primary | Refinance - Rate/Term | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860536 | [Redact] |  | 34944523 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | 1003 Initial - Lender's not provided |  |  |  | Reviewer Comment (2025-12-03): Initial 1003 provided | 12/03/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Rate/Term | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860536 | [Redact] |  | 34944528 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Creditor Application Date Source not provided |  | Creditor Application Date Source document not provided |  |  |  | Reviewer Comment (2025-12-01): Received initial 1003. Exception Cleared.<br>Seller Comment (2025-11-28): URLA | 12/01/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860536 | [Redact] |  | 34944531 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Originator Application Date Source not provided |  | Originator Application Date Source document not provided |  |  |  | Reviewer Comment (2025-12-01): Received initial 1003. Exception Cleared.<br>Seller Comment (2025-11-28): Duplicate | 12/01/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860536 | [Redact] |  | 34944570 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraisal document not provided |  |  |  | Reviewer Comment (2025-12-01): Received Appraisal (1004). Exception Cleared.<br>Seller Comment (2025-11-28): Appraisal | 12/01/2025 |  |  | 1 D A |  | [Redact] | Primary | Refinance - Rate/Term | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860536 | [Redact] |  | 34944575 |  | Compliance | Compliance | State Compliance | State Defect | [Redact] SB 1894 | [Redacted] Predatory Lending Database Program ([Redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  |  | Reviewer Comment (2025-12-03): Cert of Compliance provided<br>Seller Comment (2025-12-02): Please see attached<br>Reviewer Comment (2025-12-02): The condition is valid. The doc referenced in the rebuttal is the Errors and Omissions/Compliant Agreement and not the [Redact] Predatory Lending Database Program ([Redacted]) - Certificate of Compliance or Exemption. Condition is valid and remains open<br>Seller Comment (2025-11-28): Invalid - previously provided - See D0340 | 12/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860536 | [Redact] |  | 34944577 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA In[Redacted]. Insufficient or no cure was provided to the borrower. | Valid change of circumstance was not provided. |  |  |  | Reviewer Comment (2025-12-03): [Redacted] received detailed COC dated [Redacted] and rate lock.<br>Seller Comment (2025-12-02): COC, pricing<br>Reviewer Comment (2025-12-01): [Redacted] received COC dated [Redacted], however rate was locked from initial LE. Please provide additional information why the lender credit decreased on [Redacted] CD or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (2025-11-28): COC | 12/03/2025 |  |  | 1 C A |  | [Redact] | 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 |
| [Redact] | 9860536 | [Redact] |  | 35123214 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 12/01/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860536 | [Redact] |  | 35123267 |  | 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 (2025-12-03): The AVM is not acceptable for securitization purposes. A CDA has been ordered at the request of the client. Condition will be updated when received.<br>Seller Comment (2025-12-02): Previously provided | 12/03/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860536 | [Redact] |  | 35153520 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10 |  |  |  |  |  | Reviewer Comment (2025-12-04): Secondary valuation obtained | 12/04/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860536 | [Redact] |  | 35154433 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-12-04): Secondary valuation obtained<br>Reviewer Comment (2025-12-04): Valuation Received - [Redacted] | 12/04/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860537 | [Redact] |  | 34945406 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-12-04): [Redacted] received COC dated [Redacted].<br>Seller Comment (2025-12-02): response<br>Reviewer Comment (2025-12-01): [Redacted]: The COC that was provided in the trailing images was also provided in the original loan package indicates that the Change the broker compensation from lender paid to borrower paid in order to remove the discount points. but it does not give sufficient information on what impacts and why the fee was changed from Lender paid to borrower paid on revised LE and was not known prior to at the time of initial application. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee changed on [Redacted] LE 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>Seller Comment (2025-11-26): COC's | 12/04/2025 |  |  | 1 C A |  | [Redact] | 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 |
| [Redact] | 9860537 | [Redact] |  | 34957413 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of the final CD or other documentation to verify the PITIA for the departure residence that was simultaneously refinanced. The CD must verify the prior mortgage was paid in full and verify the net proceeds of $[Redacted] used for funds to close. |  |  |  | Reviewer Comment (2025-11-25): Received Final CD. Exception Cleared.<br>Seller Comment (2025-11-24): REO | 11/25/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860537 | [Redact] |  | 34957614 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | The file is missing a copy of the final CD to verify the prior mortgage was paid in full and verify the net proceeds of $[Redacted] used for funds to close. |  |  |  | Reviewer Comment (2025-11-25): Received Final CD. Exception Cleared.<br>Seller Comment (2025-11-24): REO | 11/25/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860538 | [Redact] |  | 34946740 |  | 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]. $[Redacted] over legal limit. 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2025-11-28): [Redacted] received LOX for rebuttal response and further review examination fee added with subsequent LE and final CD.<br>Seller Comment (2025-11-26): response | 11/28/2025 |  |  | 1 C A |  | [Redact] | 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 |
| [Redact] | 9860539 | [Redact] |  | 34945177 |  | 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. |  |  |  |  |  |  |  | 11/11/2025 | 2 B |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860539 | [Redact] |  | 34945237 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. |  |  |  |  |  |  |  | 11/11/2025 | 2 B |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860539 | [Redact] |  | 34945239 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. | Valid change of circumstance was not provided. |  |  |  | Reviewer Comment (2025-12-04): [Redacted]received valid COC dated [Redacted]<br>Seller Comment (2025-12-02): response<br>Reviewer Comment (2025-12-01): [Redacted] received valid changed circumstance dated [Redacted] For the City/County/Stamps and transfer taxes increased. However, on Final CD dated[Redacted]City/County/Stamps has been removed, and transfer taxes are increase from $[Redacted]to [Redacted]without VCCs. Provide valid COC for the fee increased on Final CD dated [Redacted]or [Redacted]would be due to borrower.<br>Seller Comment (2025-11-26): coc | 12/04/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | 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 |
| [Redact] | 9860540 | [Redact] |  | 34944586 |  | 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 (2025-11-10): Sufficient Cure Provided At Closing |  | 11/10/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9860541 | [Redact] |  | 34946577 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/12/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860541 | [Redact] |  | 34946578 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/12/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860541 | [Redact] |  | 34946585 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-12-01): [Redacted] received valid COC document<br>Seller Comment (2025-11-26): COC | 12/01/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | 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 |
| [Redact] | 9860542 | [Redact] |  | 34970363 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Property type discrepancy. |  | The AUS identified the property as a PUD; however the appraisal verified the property type as a Detached SFR Provide a revised DU Approval correcting the property type. |  |  |  | Reviewer Comment (2025-12-02): Revised DU provided<br>Seller Comment (2025-11-28): AUS | 12/02/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860543 | [Redact] |  | 34945136 |  | 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. |  | Policy amount is missing in the file |  |  |  |  |  |  | 11/12/2025 | 2 B |  | [Redact] | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860543 | [Redact] |  | 34945194 |  | 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 (2025-11-17): Secondary valuation obtained | 11/17/2025 |  |  | 1 D A |  | [Redact] | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860543 | [Redact] |  | 34974985 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-11-17): Secondary valuation obtained<br>Reviewer Comment (2025-11-17): Valuation Received - [Redacted] | 11/17/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860544 | [Redact] |  | 34954914 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 11/12/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860544 | [Redact] |  | 34954915 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 11/12/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860544 | [Redact] |  | 34954921 |  | 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. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-12-02): [Redacted] Received Valid COC dated [Redacted].<br>Seller Comment (2025-12-01): COC, pricing, AUS | 12/02/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | 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 |
| [Redact] | 9860546 | [Redact] |  | 34945504 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/11/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860546 | [Redact] |  | 34945505 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/11/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860548 | [Redact] |  | 34944824 |  | 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 (2025-11-10): Sufficient Cure Provided At Closing |  | 11/10/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9860548 | [Redact] |  | 34945531 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard 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 (2026-02-12): Documentation from insurance company verified policy contains guaranteed replacement cost coverage.<br>Buyer Comment (2026-02-12): Insurance email<br>Reviewer Comment (2026-02-09): The provided Hazard insurance policy belongs to different property #[Redacted], please provide the Replacement Cost Estimator or updated hazard insurance policy for the subject property. Exception Remains.<br>Seller Comment (2026-02-06): See policy in the amount of $[Redacted]<br>Seller Comment (2026-02-06): Please see validation of Insurance at $[Redacted]. This is also extended replacement cost. Well over the loan amount. Thank you<br>Reviewer Comment (2025-12-30): Please provide documentation to support the replacement cost value determined.<br>Seller Comment (2025-12-29): HOI<br>Reviewer Comment (2025-12-05): Provided hazard insurance policy doesn't specify about exact replacement cost amount or percentage of RCE. Required exact amount or percentage of replacement cost estimator from insurance company to clear this condition. Exception Remains.<br>Seller Comment (2025-12-04): The policy clearly states dwelling is at replacement cost including wind. This is [Redacted]% sufficient. Property is insured at replacement cost..<br>Reviewer Comment (2025-12-03): Provided hazard insurance policy already present file. The GSE method was used to determine the coverage requirement. Since the appraisal did not provide the Total Estimate of Cost New, [Redacted]% of the appraised value is the insured value and coverage of at least $[Redacted] is required. The insurance is insufficient by $[Redacted]. Provide a copy of the replacement cost estimator from the insurance company, a revised policy/dec page with increased coverage, or documentation from the insurance company verifying the policy has Guaranteed Replacement cost coverage. Condition Remains.<br>Seller Comment (2025-12-01): HOI response | 02/12/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860549 | [Redact] |  | 34968179 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/12/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860549 | [Redact] |  | 34968180 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/12/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860551 | [Redact] |  | 34955805 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted] valuation is missing. Sec ID [Redacted] |  | The file is missing a copy of the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-11-18): [Redacted]valuation obtained | 11/18/2025 |  |  | 1 D A |  | [Redact] | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860551 | [Redact] |  | 34955867 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. |  |  |  |  |  |  | 11/13/2025 | 2 B |  | [Redact] | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860551 | [Redact] |  | 34980555 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Verification appraisal was delivered to [Redacted] was not provided. |  |  |  |  |  |  | 11/13/2025 | 2 B |  | [Redact] | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860551 | [Redact] |  | 34990654 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted]/ Collateral Desktop Analysis (CDA) - No MLS Sheets -[Redacted] Days |  |  |  | Reviewer Comment (2025-11-18): [Redacted]valuation obtained<br>Reviewer Comment (2025-11-18): Valuation Received -[Redacted] | 11/18/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860552 | [Redact] |  | 34952340 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/13/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860552 | [Redact] |  | 34952466 |  | 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. |  | Policy Amount not provided |  |  |  |  |  |  | 11/13/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860553 | [Redact] |  | 34950966 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). |  | The file is missing Universal Loan Identifier |  |  |  | Reviewer Comment (2025-11-19): ULI provided<br>Buyer Comment (2025-11-17): ULI attached | 11/19/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860553 | [Redact] |  | 34951032 |  | 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. | Only LE in file was issued [Redacted], which is greater than 3 business days from the application date of [Redacted]. |  |  |  | Reviewer Comment (2025-11-19): Initial LE provided<br>Seller Comment (2025-11-19): Initial LE | 11/19/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860553 | [Redact] |  | 34951035 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Seven Day Waiting Period | TILA-RESPA Integrated Disclosure: Loan Estimate was not delivered or placed in the mail to the borrower at least seven (7) business days prior to closing. | Only LE in file was issued [Redacted], which is greater than 3 business days from the application date of [Redacted]. |  |  |  | Reviewer Comment (2025-11-19): Initial LE provided<br>Seller Comment (2025-11-19): Initial LE | 11/19/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860553 | [Redact] |  | 34980973 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/13/2025 | 2 B |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9860554 | [Redact] |  | 34956823 |  | 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. | 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 (2025-11-11): Sufficient Cure Provided At Closing |  | 11/11/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9861257 | [Redact] |  | 34964179 |  | 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 (2025-11-12): Sufficient Cure Provided At Closing |  | 11/12/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9861257 | [Redact] |  | 34970439 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | The appraisal identified the subject as a PUD. The file is missing a copy of the PUD Rider attached to the Deed of Trust. Provide a copy of the PUD Rider and proof that the DOT will be re-recorded with the rider. If the subject is not a PUD, provide a revised appraisal correcting the property type. |  |  |  | Reviewer Comment (2025-12-08): Received PUD-Rider. Exception Cleared.<br>Seller Comment (2025-12-05): PUD Rider | 12/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9861261 | [Redact] |  | 34962806 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid changed circumstance was provided. Insufficient cure provided for closing costs above the legal limit. |  |  |  | Reviewer Comment (2025-12-11): [Redacted] received valid COC document<br>Seller Comment (2025-12-10): Lender response: UW conditioned for the CDA was due to no CU score or findings on the SSR. We required for this reason which is why we redisclosed to collect the fee from the borrower.<br>Reviewer Comment (2025-11-20): [Redacted] received Changed Circumstance dated [Redacted], but it does not give sufficient information on why the CDA fee was required by underwriter. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check.<br>Seller Comment (2025-11-19): COC for Collateral Desktop fee | 12/11/2025 |  |  | 1 C A |  | [Redact] | 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 |
| [Redact] | 9861286 | [Redact] |  | 34962300 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report is missing. |  |  |  | Reviewer Comment (2025-12-15): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-12-12): Fraud report | 12/15/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9861286 | [Redact] |  | 34962457 |  | 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. | 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 (2025-11-12): Sufficient Cure Provided At Closing |  | 11/12/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9861288 | [Redact] |  | 35012047 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The primary appraisal, with an effective date of [Redacted] has a report date that is post-closing. Provide a copy of the primary appraisal with a report date at or prior to closing. |  |  |  | Reviewer Comment (2025-12-18): Received appraisal. Exception Cleared.<br>Seller Comment (2025-12-17): Please see attached<br>Reviewer Comment (2025-12-10): A third copy of the appraisal with an effective date of [Redacted] and a report date of [Redacted] was provided. This is not the appraisal in question. The primary appraisal with an effective date of [Redacted], a value of $[Redacted], completed by the appraiser [Redacted]. [Redacted] is the appraisal that needs attention. The only copy of this appraisal has a report date of [Redacted] which is post-closing. Provide a copy of this appraisal with a report date on or prior to closing. Condition remains<br>Seller Comment (2025-12-08): Appraisal with report date of [Redacted]<br>Reviewer Comment (2025-12-08): Provided appraisal already present in file. Report date [Redacted] appraisal in post-closing. Required copy of the primary appraisal with a report date at or prior to closing. Exception Remains.<br>Seller Comment (2025-12-04): Correct Appraisal | 12/18/2025 |  |  | 1 D A |  | [Redact] | Primary | Refinance - Rate/Term | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9861288 | [Redact] |  | 35260884 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 12/18/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9861288 | [Redact] |  | 35260898 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 12/18/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9861295 | [Redact] |  | 34962654 |  | 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 Loan Policy amount on the Title report is missing |  |  |  |  |  |  | 11/17/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9861301 | [Redact] |  | 35004325 |  | Credit | Insurance | Insurance Analysis | Insurance | The Flood Insurance Policy effective date is after the Note Date. | Flood Insurance Policy Effective Date ___, Note Date ___ | Verified and updated as per Flood Insurance document | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has 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 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 or equal to [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>The representative FICO score is above [Redacted]. | [Redacted] months reserves<br>LTV [Redacted]% | [Redact],Aggregator<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>Aggregator,[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2026-01-05): Client elected to waive the condition with the following Comp Factors: [Redacted] months reserves, LTV [Redacted]%<br>Reviewer Comment (2025-12-12): Note Date is [Redacted] & Flood Insurance Policy Effective Date is [Redacted]. Required flood insurance policy within note date to clear this condition. Exception Remains.<br>Seller Comment (2025-12-11): No claims<br>Reviewer Comment (2025-12-05): Required Flood Insurance Policy Effective Date within note date to clear this condition. Exception Remains.<br>Seller Comment (2025-12-03): The loan Settlement date is [Redacted] |  |  | 01/05/2026 | 2 C B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9861301 | [Redact] |  | 35008157 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Tax Verification for Vacant lots. |  |  |  | Reviewer Comment (2025-12-12): Received tax certificate. Exception Cleared.<br>Seller Comment (2025-12-11): Borrower's only have 1 lot. Corrected 1003 provided. Tax information for the 1 lot provided | 12/12/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9861301 | [Redact] |  | 35017458 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/19/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9861302 | [Redact] |  | 35006416 |  | 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. |  |  |  |  | Buyer Comment (2025-11-24): Initial and Final Grade B, accepted |  |  | 11/24/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9861302 | [Redact] |  | 35006418 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on [Redacted] did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). | Final Closing Disclosure provided on [Redacted] did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). |  |  |  | Reviewer Comment (2025-12-04): [Redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2025-12-03): Post CD<br>Reviewer Comment (2025-11-28): [Redacted]: The Post CD that was provided in the trailing images was also provided in the original loan package. Final CD and Post CD page 5 is missing NMLS ID number on lender contact information. A corrected CD and LOE to borrower are required to cure.<br>Seller Comment (2025-11-26): Post CD |  | 12/04/2025 |  | 2 C B |  | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9861302 | [Redact] |  | 35017643 |  | 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 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. |  |  |  |  |  |  | 11/19/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9861302 | [Redact] |  | 35017658 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/19/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896618 | [Redact] | [Redact] | 34938454 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-05): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-12-03): (Rate Lock) Collateral delivered via [Redact] tracking [Redacted] on [Redacted] | 12/05/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896606 | [Redact] |  | 35017619 |  | 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 (2026-01-08): Final title provided | 01/08/2026 |  |  | 1 A |  | [Redact] | Second Home | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896606 | [Redact] |  | 35018089 |  | 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] | 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] ([Redacted],[Redacted] |  |  |  |  |  |  | 11/20/2025 | 2 B |  | [Redact] | Second Home | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896606 | [Redact] |  | 35027022 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the [Redacted]at Closing. |  |  |  |  | Reviewer Comment (2025-11-20): Sufficient Cure Provided At Closing |  | 11/20/2025 |  | 1 A |  | [Redact] | Second Home | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9896606 | [Redact] |  | 35028751 |  | 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. |  | Title/Document Error the Title Commitment or Preliminary title policy amount is blank. Please set exception |  |  |  | Reviewer Comment (2026-01-08): Final title provided<br>Seller Comment (2026-01-08): Title | 01/08/2026 |  |  | 1 C A |  | [Redact] | Second Home | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896607 | [Redact] |  | 35015919 |  | 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 Tax Service Fee (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-12-30): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-12-29): Tolerance cure of $[Redacted] provided for all 4 exceptions |  | 12/30/2025 |  | 2 C B |  | [Redact] | Primary | Purchase | 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 |
| [Redact] | 9896607 | [Redact] |  | 35015920 |  | 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 MERS Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | MERS fee added to Loan Estimate dated [Redacted], with no valid change evident. |  |  |  | Reviewer Comment (2025-12-30): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 12/30/2025 |  | 2 C B |  | [Redact] | Primary | Purchase | 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 |
| [Redact] | 9896607 | [Redact] |  | 35015921 |  | 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 Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Processing fee added to Loan estimate dated [Redacted] with no valid change evident. |  |  |  | Reviewer Comment (2025-12-30): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 12/30/2025 |  | 2 C B |  | [Redact] | Primary | Purchase | 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 |
| [Redact] | 9896607 | [Redact] |  | 35019032 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal fee increased on Loan Estimate [Redacted] and again on [Redacted], with no valid change evident. |  |  |  | Reviewer Comment (2025-12-30): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 12/30/2025 |  | 2 C B |  | [Redact] | Primary | Purchase | 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 |
| [Redact] | 9896608 | [Redact] |  | 35026278 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | File does not contain documentation from lender/[Redacted]confirming the condo is warrantable or HOA certification. |  |  |  | Reviewer Comment (2025-12-04): Received Condo warranty certification. Exception Cleared.<br>Seller Comment (2025-12-03): Condo Warranty | 12/04/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896608 | [Redact] |  | 35026294 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted] supports value. Vendor/ [Redacted] do not meet Fitch criteria. Sec ID: [Redacted] |  | Loan is to be securitized. [Redacted] supports value. Vendor/[Redacted]do not meet Fitch criteria. |  |  |  | Reviewer Comment (2025-11-26): [Redacted]valuation obtained | 11/26/2025 |  |  | 1 A D |  | [Redact] | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896608 | [Redact] |  | 35041590 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted]/ Collateral Desktop Analysis (CDA) - No MLS Sheets -[Redacted] Days |  |  |  | Reviewer Comment (2025-11-26): [Redacted]valuation obtained<br>Reviewer Comment (2025-11-25): Valuation Received -[Redacted] | 11/26/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896609 | [Redact] |  | 35016108 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance Verification is missing. |  |  |  | Reviewer Comment (2025-12-05): Received tax certificate & hazard insurance. Exception Cleared.<br>Seller Comment (2025-12-04): [Redacted] taxes, HOI and HOA<br>Reviewer Comment (2025-12-04): Received hazard insurance policy. Required HOA certificate or supporting documents to verify remaining expenses $[Redacted]. Exception Remains.<br>Seller Comment (2025-12-02): [Redacted] HOI | 12/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896609 | [Redact] |  | 35016116 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance Verification is missing. |  |  |  | Reviewer Comment (2025-12-05): Received HOA. Exception Cleared.<br>Seller Comment (2025-12-04): [Redacted]: Taxes and HOI attached. There are no HOA dues reported on tax returns and [Redact] shows a property in an older, established neighborhood where HOA dues are unlikely.<br>Seller Comment (2025-12-04): [Redacted]: Taxes and HOI attached. There are no HOA dues reported on tax returns and [Redacted] shows a property in an older, established neighborhood where HOA dues are unlikely. | 12/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896609 | [Redact] |  | 35016203 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance Verification is missing. |  |  |  | Reviewer Comment (2025-12-01): Received hazard insurance. Exception Cleared.<br>Seller Comment (2025-11-28): [Redacted] HOI | 12/01/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896609 | [Redact] |  | 35016212 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10 |  | AVM does not support the value used to qualify. Vendor/FSD does not meet Fitch criteria. |  |  |  | Reviewer Comment (2025-11-26): Secondary valuation obtained | 11/26/2025 |  |  | 1 A D |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896609 | [Redact] |  | 35016237 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/19/2025 | 2 B |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896609 | [Redact] |  | 35028518 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-11-26): Secondary valuation obtained<br>Reviewer Comment (2025-11-22): Valuation Received - [Redacted] | 11/26/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896610 | [Redact] |  | 35025645 |  | 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. |  |  |  |  |  |  | 11/20/2025 | 2 B |  | [Redact] | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896610 | [Redact] |  | 35025698 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | The file was missing a copy of Note-Subject Lien |  |  |  | Reviewer Comment (2025-12-04): Received Note. Exception Cleared.<br>Seller Comment (2025-12-02): Note | 12/04/2025 |  |  | 1 D A |  | [Redact] | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896610 | [Redact] |  | 35025704 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | The file was missing a copy of Security Instrument |  |  |  | Reviewer Comment (2025-12-04): Received Security Instrument. Exception Cleared.<br>Seller Comment (2025-12-03): SI | 12/04/2025 |  |  | 1 D A |  | [Redact] | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896610 | [Redact] |  | 35025717 |  | 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 Credits 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 (2025-12-04): [Redacted] received valid COC.<br>Seller Comment (2025-12-03): COC | 12/04/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | 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 |
| [Redact] | 9896610 | [Redact] |  | 35025733 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 11/20/2025 | 2 B |  | [Redact] | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896611 | [Redact] |  | 35015873 |  | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone | Loan originated post December [Redacted], the subject property is in a flood zone, flood insurance is not escrowed. | Flood Insurance is not Escrowed. |  |  |  | Buyer Comment (2025-11-26): Initial and Final Grade B, accepted |  |  | 11/26/2025 | 2 B |  | [Redact] | Primary | Purchase | Provide evidence the escrow account was established for the flood insurance, LOE, Corrected IEAD, corrected PCCD (if applicable) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9896611 | [Redact] |  | 35015951 |  | 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 is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  | 11/19/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896612 | [Redact] |  | 35027380 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/20/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896612 | [Redact] |  | 35027381 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/20/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896612 | [Redact] |  | 35027406 |  | 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]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted]% tolerance was exceeded by $[Redacted] due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-12-04): [Redacted] received corrected PCCD, closing statement and LOE<br>Seller Comment (2025-12-03): PCCD | 12/04/2025 |  |  | 1 C A |  | [Redact] | 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 |
| [Redact] | 9896612 | [Redact] |  | 35033003 |  | 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 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. |  |  |  |  |  |  | 11/20/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896613 | [Redact] |  | 35024278 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted] valuation is missing. Sec ID: [Redacted] |  | The file was missing copy of the [Redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-11-26): [Redacted]valuation obtained | 11/26/2025 |  |  | 1 D A |  | [Redact] | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896613 | [Redact] |  | 35041591 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted]/ Collateral Desktop Analysis (CDA) - No MLS Sheets - [Redacted]Days |  |  |  | Reviewer Comment (2025-11-26): [Redacted] valuation obtained<br>Reviewer Comment (2025-11-24): Valuation Received - [Redacted] | 11/26/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896614 | [Redact] |  | 34981128 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-12-01): Received fraud report. Exception Cleared.<br>Seller Comment (2025-11-28): Fraud Report | 12/01/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896614 | [Redact] |  | 34981153 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2025-12-01): Received fraud report. Exception Cleared.<br>Seller Comment (2025-11-28): Fraud Report | 12/01/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896614 | [Redact] |  | 34981190 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of Borrower receipt of the appraisal with report date [Redacted] was not provided. |  |  |  |  |  |  | 11/19/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896614 | [Redact] |  | 34981191 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of Borrower receipt of the appraisal with report date [Redacted] was not provided. |  |  |  |  |  |  | 11/19/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896614 | [Redact] |  | 34981489 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). |  |  |  |  |  | Reviewer Comment (2025-11-21): ULI provided<br>Buyer Comment (2025-11-21): [Redacted] | 11/21/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896615 | [Redact] |  | 35016125 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). |  | Universal Loan Identifier (ULI) is blank. |  |  |  | Reviewer Comment (2025-11-21): ULI provided<br>Buyer Comment (2025-11-21): [Redacted] | 11/21/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896615 | [Redact] |  | 35016137 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. |  |  |  | Buyer Comment (2025-12-15): Initial and Final Grade B, accepted |  |  | 12/15/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896615 | [Redact] |  | 35016140 |  | 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(s) within three (3) business days of application. |  |  |  | Reviewer Comment (2026-01-02): Based on contract, application date has been changed to [Redacted].<br>Seller Comment (2025-12-30): Lender provided the purchase contract which validates the contract was not accepted until [Redacted], therefore evidencing the loan application date of [Redacted].<br> There would not be initial loan disclosures until the purchase contract is accepted by both parties.<br>Reviewer Comment (2025-12-21): [Redacted] received lender certification that the [Redacted] date on the initial 1003 was a clerical error. However, some documents in file indicate that [Redacted] was the application date. Certificate of completion from Docsign reflects esign accepted by borrower on [Redacted] and initial credit report completed on [Redacted]. In order to disregard the [Redacted] application date, [Redacted] must be provided additional information that supports a later date and documentation that supports this was a clerical error or proof of withdrawal of the earlier [Redacted] application date via adverse action notice which matches to 1003 loan identification, otherwise provide copy of earlier LE. We take the earliest date on the 1003. Unless that was incorrectly entered by originator, then we would need documented proof of when lender/broker received the 6 pieces of information to support the date. An example would be such as a sales contract showing a later date and an attestation from lender stating why the 1003 had an earlier date. Or if an application was denied/withdrawn, then adverse action letter for earlier application, which documentation should support there are different loan numbers for each transaction. These are just examples of situations that can be allowed for viewing a different application date. Documentation in file must support the application date.<br>Seller Comment (2025-12-19): Application date response<br>Reviewer Comment (2025-12-01): The timing for the LE under § [Redacted](e)(1)(iii) is three business days from application. Initial LE issued [Redacted]. On this loan, the LE should have been issued within 3 business days of the application date of [Redacted].<br>Seller Comment (2025-11-28): tracking for Initial LE | 01/02/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9896615 | [Redact] |  | 35016142 |  | 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 Wire / Funding / Disbursement Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Wire Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-12-03): [Redacted] received Post CD and LOX.<br>Seller Comment (2025-12-02): PCCD<br>Reviewer Comment (2025-12-01): [Redacted] received rebuttal, however fee is disclosed without title prefix on sec C of CD. If fee is a title fee corrected PCCD with title prefix and LOE are required to clear.<br>Seller Comment (2025-11-28): Wire fee in Section C, subject to [Redacted]% tolerance | 12/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | 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 |
| [Redact] | 9850298 | [Redact] |  | 34964837 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing a copy of the Fraud Report. |  |  |  | Reviewer Comment (2025-11-24): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-11-21): Fraud report | 11/24/2025 |  |  | 1 C A |  | [Redact] | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9850298 | [Redact] |  | 34964870 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | The file was missing a copy of the E-sign Agreement. |  |  |  | Reviewer Comment (2025-11-24): Exception cleared.<br>Seller Comment (2025-11-21): Econsent | 11/24/2025 |  |  | 1 C A |  | [Redact] | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9850298 | [Redact] |  | 34964989 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 11/13/2025 | 2 B |  | [Redact] | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9850298 | [Redact] |  | 34964990 |  | 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 Document is missing in loan. |  |  |  | Reviewer Comment (2025-11-24): Exception cleared.<br>Seller Comment (2025-11-21): Rate Lock Document | 11/24/2025 |  |  | 1 B A |  | [Redact] | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9850298 | [Redact] |  | 34964991 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file was missing a copy of the Homeownership Counseling disclosure or proof of the borrower's receipt within 3 days of the application date. |  |  |  | Reviewer Comment (2025-11-24): Exception cleared.<br>Seller Comment (2025-11-21): Homeownership Counseling disclosure | 11/24/2025 |  |  | 1 B A |  | [Redact] | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9850298 | [Redact] |  | 34964993 |  | 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 Verification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Verification Fee increased on [Redacted] Closing Disclosure with no valid change of circumstance evident. |  |  |  | Reviewer Comment (2025-12-04): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception."<br>Seller Comment (2025-12-03): LENDER REPLY: Third party fee increased and a lender credit of $[Redacted] was added to final CD. | 12/04/2025 |  |  | 1 C A |  | [Redact] | 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 B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9850298 | [Redact] |  | 34964994 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee added to Closing Disclosure dated [Redacted] with no valid change evident. |  |  |  | Reviewer Comment (2025-12-04): [Redacted] received rebuttal suffice<br>Seller Comment (2025-12-03): LENDER REPLY: <br> The survey fee noted on CD in section [Redacted], was not a lender required fee, therefor it Is not a part of the [Redacted]% tolerance threshold. | 12/04/2025 |  |  | 1 C A |  | [Redact] | 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 B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9850298 | [Redact] |  | 35158843 |  | 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. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-12-04): Sufficient Cure Provided At Closing |  | 12/04/2025 |  | 1 A |  | [Redact] | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9850304 | [Redact] |  | 34968066 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of Tax verification and Insurance verification |  |  |  | Reviewer Comment (2025-12-22): Received property history report. Exception Cleared.<br>Seller Comment (2025-12-22): See provided documents for [Redacted] listed on the 1003 as well as documents for primary property on [Redacted].<br>Reviewer Comment (2025-12-08): The file is missing documentation verifying the borrower is only on title. Property is listed in the section of the final 1003 and the file does not contain proof of the HOA dues used to qualify nor proof that the borrower is on title only. Condition is valid and remains open<br>Seller Comment (2025-12-08): ROE<br>Reviewer Comment (2025-11-25): Provided document doesn't reflect tax & insurance amount. Required Tax verification and Insurance verification or supporting documents to verify expenses $[Redacted]. Exception Remains.<br>Seller Comment (2025-11-22): Fraud Report | 12/22/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9850304 | [Redact] |  | 34968071 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud report |  |  |  | Reviewer Comment (2025-11-25): Report provided. Exception cleared.<br>Seller Comment (2025-11-22): Fraud report | 11/25/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9850304 | [Redact] |  | 34968080 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/17/2025 | 2 B |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9850304 | [Redact] |  | 34968081 |  | 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 once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-12-08): Signed 4506-C provided which is acceptable in lieu of signed and dated tax returns | 12/08/2025 |  |  | 1 B A C |  | [Redact] | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9850304 | [Redact] |  | 34968082 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - S-Corp | General QM: Unable to verify S-Corp income using reasonably reliable third-party records. | The file is missing the signed and dated personal and business tax returns or the tax transcript. |  |  |  | Reviewer Comment (2025-12-08): Signed 4506-C provided which is acceptable in lieu of signed and dated tax returns<br>Seller Comment (2025-12-08): returns<br>Seller Comment (2025-12-08): tax return<br>Reviewer Comment (2025-11-26): Tax Returns are not signed and dated. If not available, Tax Transcripts can be provided in lieu of. Exception remains.<br>Seller Comment (2025-11-22): Tax returns | 12/08/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9850304 | [Redact] |  | 34968083 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List was not provided. |  |  |  | Reviewer Comment (2025-11-25): Doc provided. Exception cleared.<br>Seller Comment (2025-11-22): Counseling List | 11/25/2025 |  |  | 1 B A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9850304 | [Redact] |  | 34968084 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The earliest Closing Disclosure provided was issued [Redacted] and closing was [Redacted]. |  |  |  | Reviewer Comment (2025-11-25): [Redacted] received initial CD><br>Seller Comment (2025-11-24): ICD SIGNED PRIOR TO CLOSING | 11/25/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9850304 | [Redact] |  | 35001449 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | DU condition #[Redacted] identified there were 2 financed properties; however, there is 1. Per the DU, if the information is incorrect, the number must be updated, and the loan casefile resubmitted to DU. Provide a revised DU approval correcting the number of financed properties. |  |  |  | Reviewer Comment (2025-12-03): Received fraud report. Exception Cleared.<br>Seller Comment (2025-12-01): Revised DU | 12/03/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9850304 | [Redact] |  | 35001450 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing the fully executed 4506, required by the DU. |  |  |  | Reviewer Comment (2025-11-25): Doc provided. Exception cleared.<br>Seller Comment (2025-11-22): 4506-C | 11/25/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9850304 | [Redact] |  | 35001535 |  | 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 (2025-12-03): Received updated AUS. Exception Cleared. | 12/03/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9850304 | [Redact] |  | 35068972 |  | 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 |  |  |  |  | Reviewer Comment (2025-12-08): Re-disclosed CD provided<br>Seller Comment (2025-12-08): CD<br>Reviewer Comment (2025-12-02): [Redacted] received initial CD. However, initial CD dated [Redacted] with APR of [Redacted]% then [Redacted] Final CD at [Redacted]%. This represents a changeover .[Redacted]% and the [Redacted] CD was not received within 3 business days of closing. Any missing CDs should be provided for a correct testing timeline for APR changes.<br>Seller Comment (2025-12-01): ICD | 12/08/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | TRID timing exception, no remediation available. C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9850288 | [Redact] |  | 34974484 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal reports dated [Redacted] and [Redacted] missing evidence of receipt. |  |  |  |  |  |  | 11/17/2025 | 2 B |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9850288 | [Redact] |  | 34974494 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 11/17/2025 | 2 B |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9850288 | [Redact] |  | 34974506 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  | Reviewer Comment (2025-11-25): Received disclosure. Exception Cleared.<br>Seller Comment (2025-11-22): FACTA | 11/25/2025 |  |  | 1 B A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9850288 | [Redact] |  | 34974521 |  | 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 (2025-11-26): Exception cleared.<br>Seller Comment (2025-11-22): RATE LOCK | 11/26/2025 |  |  | 1 B A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9850288 | [Redact] |  | 34974522 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List was not provided. |  |  |  | Reviewer Comment (2025-11-25): Received disclosure. Exception Cleared.<br>Seller Comment (2025-11-22): counseling List | 11/25/2025 |  |  | 1 B A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9850288 | [Redact] |  | 34974569 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-11-25): Received fraud report. Exception Cleared.<br>Seller Comment (2025-11-25): Fraud report | 11/25/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9850288 | [Redact] |  | 34974647 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). |  |  |  |  |  | Reviewer Comment (2025-11-26): ULI provided. Exception cleared.<br>Seller Comment (2025-11-25): ULI | 11/26/2025 |  |  | 1 B A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9850288 | [Redact] |  | 34974654 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Missing electronic consent. |  |  |  | Reviewer Comment (2025-12-23): Received E-Sign. Exception Cleared.<br>Seller Comment (2025-12-22): E-Consent<br>Reviewer Comment (2025-11-26): Required E-Sign Consent Agreement to clear this condition. Exception Remains.<br>Seller Comment (2025-11-22): Econsent | 12/23/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9850288 | [Redact] |  | 34974670 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard 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 (2026-01-09): RCE provided<br>Seller Comment (2026-01-09): RCE<br>Reviewer Comment (2026-01-02): The condition is valid. The file does not contain proof to verify the replacement cost identified in the rebuttal of $[Redacted]. Provide proof of the RCE from the insurance company and the coverage will be re-tested. Condition remains<br>Seller Comment (2026-01-02): HOI shows dwelling coverage for $[Redacted]. The loan amount is only $[Redacted] so the home is adequately covered. <br>Reviewing the FNMA Guide B7-3-02, Property Insurance Requirements for One-to Four-Unit Properties ([Redacted]), the calculation also shows adequate coverage. Please submit a rebuttal and/or ask for additional reasoning why they believe coverage does not meet guidelines.<br>Replacement Cost Value $[Redacted]<br> UPB/Loan Amount $[Redacted]<br> Difference $[Redacted]<br>[Redacted]% of Replacement Value: $[Redacted]<br> Amount Required per FNMA: $[Redacted]<br>Reviewer Comment (2025-12-22): The GSE method was used to determine the coverage requirement. The appraisal identified the Total Estimate of Cost New as $[Redacted] and [Redacted]% of this value is identified as insured value. Coverage of at least $[Redacted] is required. The insurance is insufficient by $[Redacted]. Provide a copy of the replacement cost estimator from the insurance company, a revised policy/dec page with increased coverage, or documentation from the insurance company verifying the policy has Guaranteed Replacement cost coverage. Condition Remains.<br>Seller Comment (2025-12-19): Please void Defect: Per FNMA guidelines, the loan amount at time of origination is used and not the UPB at servicing. This is a non-delegated loan, and Planet underwrote the loan file. The Loan amount was used to calculate the required coverage, and the coverage is correct based on the FNMA guidelines.<br>Seller Comment (2025-12-19): Please Void these conditions: Because the loan amount is $[Redacted] and the policy has $[Redacted] in dwelling coverage, which is sufficient.<br>Reviewer Comment (2025-11-26): The FNMA method was used to determine the coverage requirement. [Redacted]% of the Total Estimate of Cost New reflected on Appraisal $[Redacted] is required for coverage.<br>Seller Comment (2025-11-25): Please push this one back to the investor and let them know that the loan amount is $[Redacted] and the policy has $[Redacted] in dwelling coverage, which is sufficient<br>Seller Comment (2025-11-25): HOI | 01/09/2026 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9850288 | [Redact] |  | 34980130 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of Tax verification, Insurance verification and HOA document. |  |  |  | Reviewer Comment (2025-12-18): Received HOA Verification, Insurance Verification & Tax Verification. Exception Cleared.<br>Seller Comment (2025-12-17): Mortgage statement<br>Seller Comment (2025-12-17): HOA<br>Seller Comment (2025-12-17): Taxes<br>Seller Comment (2025-12-17): HOI<br>Reviewer Comment (2025-11-26): Required Tax verification & Insurance verification to clear this condition. Exception Remains.<br>Seller Comment (2025-11-22): LOE<br>Seller Comment (2025-11-22): ROE | 12/18/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9850288 | [Redact] |  | 34980131 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Missing electronic consent. |  |  |  | Reviewer Comment (2025-12-23): Received E-Sign. Exception Cleared.<br>Seller Comment (2025-12-22): E-Consent<br>Reviewer Comment (2025-11-26): Required E-Sign Consent Agreement to clear this condition. Exception Remains.<br>Seller Comment (2025-11-22): Econsent | 12/23/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9912094 | [Redact] | [Redact] | 34964668 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by Custodian | 12/15/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9912094 | [Redact] | [Redact] | 35175070 |  | 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 (2025-12-08): Sufficient Cure Provided At Closing |  | 12/08/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9915342 | [Redact] | [Redact] | 34966701 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-19): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-12-17): (Rate Lock) <br> [Redacted]<br>note tracking sent [Redacted] received [Redacted] | 12/19/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9915342 | [Redact] | [Redact] | 35236133 |  | 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 (2025-12-15): Sufficient Cure Provided At Closing |  | 12/15/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9915342 | [Redact] | [Redact] | 35236139 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The HOA Verification is missing in the file. |  |  |  | Reviewer Comment (2025-12-18): Received HOA verification. Exception Cleared.<br>Seller Comment (2025-12-17): (Rate Lock) hoa verification for [Redacted] street property | 12/18/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9917882 | [Redact] | [Redact] | 34988650 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-12-09): NOTE TRACKING: [Redacted]. DELIVERED [Redacted]. PLEASE LOCATE. THANK YOU! | 12/11/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9917882 | [Redact] | [Redact] | 35152362 |  | 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. | Per the compliance report the LE provided to the borrower on [Redacted] is missing in the file. |  |  |  | Reviewer Comment (2025-12-10): [Redacted] received initial LE.<br>Seller Comment (2025-12-09): INITIAL LE | 12/10/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9917882 | [Redact] | [Redact] | 35162033 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The tax certificate is missing in the file that was used to qualify the borrower, the taxes used by the lender is much higher than the tax certificate provided from the county. |  |  |  | Reviewer Comment (2025-12-11): Received tax certificate. Exception Cleared.<br>Seller Comment (2025-12-09): TAX CERT<br>Seller Comment (2025-12-09): NOTE TRACKING: [Redacted]. DELIVERED [Redacted]. PLEASE LOCATE. THANK YOU! | 12/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9895799 | [Redact] |  | 35021032 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted] valuation is missing. Sec ID: [Redacted] |  | The file is missing a copy of the [Redacted] valuation required for securitization Purposes. |  |  |  | Reviewer Comment (2025-11-26): [Redacted]valuation obtained | 11/26/2025 |  |  | 1 D A |  | [Redact] | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9895799 | [Redact] |  | 35021204 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted] | Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted]threshold |  |  |  | Reviewer Comment (2025-12-10): [Redacted]received proof of cutoff on amortization chart.<br>Seller Comment (2025-12-09): Please see the attached Amortization schedule which shows that the borrowers PMI will stop at the [Redacted]payment | 12/10/2025 |  |  | 1 C A |  | [Redact] | Second Home | 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) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9895799 | [Redact] |  | 35021205 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream [Redacted] that does not match the actual payment for the loan. | Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream [Redacted] that does not match the actual payment for the loan |  |  |  | Reviewer Comment (2025-12-10): [Redacted]received proof of cutoff on amortization chart.<br>Seller Comment (2025-12-09): Please see the attached Amortization schedule which shows that the borrowers PMI will stop at the [Redacted] payment | 12/10/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9895799 | [Redact] |  | 35021206 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page [Redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted] The disclosed Total of Payments in the amount of $[Redacted]is under disclosed by $[Redacted]compared to the calculated total of payments of $[Redacted]which exceeds the $[Redacted]threshold. | Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page [Redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted] The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $[Redacted]threshold. |  |  |  | Reviewer Comment (2025-12-10): [Redacted]received proof of cutoff on amortization chart.<br>Seller Comment (2025-12-09): Please see the attached Amortization schedule which shows that the borrowers PMI will stop at the [Redacted]payment | 12/10/2025 |  |  | 1 C A |  | [Redact] | Second Home | 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 |
| [Redact] | 9895799 | [Redact] |  | 35062968 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets -[Redacted] Days |  |  |  | Reviewer Comment (2025-11-26): [Redacted]valuation obtained<br>Reviewer Comment (2025-11-25): Valuation Received - [Redacted] | 11/26/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9895818 | [Redact] |  | 35037638 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([Redacted]): Originator Loan Designation of [Redacted](APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | The points and fees are more than allowable maximum, causing the loan to waterfall through the QM Testing, resulting in a Loan Designation discrepancy. |  |  |  | Reviewer Comment (2025-12-03): Proof of the undiscounted rate and price was provided and a portion of the discount points were bona fide. | 12/03/2025 |  |  | 1 B A C |  | [Redact] | Second Home | Purchase | Lender to provide updated ATR/QM status C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| [Redact] | 9895818 | [Redact] |  | 35037656 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage ([Redacted]): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the [Redacted]Total Loan Amount. Points and Fees total $[Redacted]on a [Redacted]Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted](an overage of $[Redacted]or . [Redacted]%). | Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of [Redacted] % of the [Redacted] Total Loan Amount. Points and Fees total $[Redacted] on a [Redacted] Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted](an overage of $[Redacted]or .[Redacted]%). |  |  |  | Reviewer Comment (2025-12-03): Proof of the undiscounted rate and price was provided and a portion of the discount points were bona fide.<br>Seller Comment (2025-12-01): [Redacted] See attached passing QM test results. The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate.<br> $[Redacted]- $[Redacted]= $[Redacted]/ $[Redacted]= [Redacted]%" | 12/03/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redact] | 9895835 | [Redact] |  | 35308055 |  | 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 (2025-12-29): Secondary valuation obtained | 12/29/2025 |  |  | 1 D A |  | [Redact] | Second Home | Purchase | D A B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redact] | 9895835 | [Redact] |  | 35308115 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  | Reviewer Comment (2025-12-29): Received RESPA homeownership counseling. Exception Cleared.<br>Seller Comment (2025-12-29): [Redacted] [Redacted]: Please see the attached // | 12/29/2025 |  |  | 1 B A |  | [Redact] | Second Home | Purchase | D A B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redact] | 9895835 | [Redact] |  | 35310579 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-12-29): Secondary valuation obtained<br>Reviewer Comment (2025-12-29): Valuation Received - [Redacted] | 12/29/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | D A B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redact] | 9895865 | [Redact] |  | 35108928 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Disclosed | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on [Redacted] disclosed an AIR Table when not permissible. | Adjustable Interest Rate Table: Final Closing Disclosure provided on [Redacted] disclosed an AIR Table when not permissible |  |  |  | Reviewer Comment (2025-12-17): [Redacted] received Letter of Explanation & Corrected CD<br>Seller Comment (2025-12-16): Please see attached Letter of Explanation, Post-Closed Closing Disclosure, Proof of Delivery.<br>Reviewer Comment (2025-12-04): We agree the rate is not changing, but the final CD completed the AIR table on page [Redacted] and page[Redacted] identified the rate would change. The final CD is structured as an [Redacted]when the loan is a Fixed Rate loan. Condition is valid and remains open.<br>Seller Comment (2025-12-03): [Redacted] Please see attached Mortgage Insurance Certificate of insurance. We dont offer step buydown. This is a fixed interest rate loan with a lender paid temporary rate buydown. The rate isnt changing, just who is paying it is changing. |  | 12/17/2025 |  | 2 C B |  | [Redact] | Second Home | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9895865 | [Redact] |  | 35108931 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. | Final Closing Disclosure provided on [Redacted] disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. |  |  |  | Reviewer Comment (2025-12-19): [Redacted] received Letter of Explanation & Corrected CD<br>Seller Comment (2025-12-18): Please see attached Letter of Explanation, Post-Closed Closing Disclosure, Proof of Delivery.<br>Reviewer Comment (2025-12-17): [Redacted] received Corrected CD & LOE to borrower. However, the product for this Step Rate product was not correctly disclosed. On this loan it was disclosed [Redacted] Step, but should be disclosed at [Redacted]Step Rate since there is no introductory period ([Redacted]) and rate adjusts every year ([Redacted]). Corrected CD & LOE to borrower.<br>Seller Comment (2025-12-16): Please see attached Letter of Explanation, Post-Closed Closing Disclosure, Proof of Delivery. |  | 12/19/2025 |  | 2 C B |  | [Redact] | Second Home | Refinance - Rate/Term | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9895865 | [Redact] |  | 35108933 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to [Redacted](s) at least [Redacted]business days prior to closing. | Closing Disclosure not provided to [Redacted](s) at least [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-12-04): [Redacted] received initial CD dated[Redacted]<br>Seller Comment (2025-12-03): [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted] This meets the [Redacted] business days before the closing date of [Redacted]<br>Seller Comment (2025-12-03): [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on[Redacted] and consented to it on [Redacted]. This meets the [Redacted] business days before the closing date of [Redacted] | 12/04/2025 |  |  | 1 C A |  | [Redact] | Second Home | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9895865 | [Redact] |  | 35147456 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their [Redacted] residence. (Compliance testing performed based on the Occupancy Type of [Redacted]Home). | The declarations section of the initial 1003 identified that the [Redacted] would occupy the subject as a [Redacted] residence. |  |  |  |  |  |  | 12/02/2025 | 2 B |  | [Redact] | Second Home | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9895875 | [Redact] |  | 35040987 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose Estimated Property Costs over Year [Redacted] for loan with no escrow account established. | Loan Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose Estimated Property Costs over Year [Redacted] for loan with no escrow account established. |  |  |  | Reviewer Comment (2025-12-16): [Redacted] received PCCD and LOE<br>Seller Comment (2025-12-15): Disagree - there is property cost on page [Redacted] Please advise what is needed to get this cleared.<br>Reviewer Comment (2025-12-11): [Redacted]: The CD dated [Redacted] that was provided in the trailing images was also provided in the original loan package. However, the [Redacted] was entered on page[Redacted]of CD. But it was not included on page [Redacted] of property costs escrows. Provide a Corrected CD and LOE to borrower including [Redacted] in the property costs on page [Redacted] of CD to complete remediation.<br>Seller Comment (2025-12-11): [Redacted] Please see attached Letter of Explanation, Post-Closed Closing Disclosure, Proof of Delivery. |  | 12/16/2025 |  | 2 C B |  | [Redact] | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9895875 | [Redact] |  | 35040988 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. |  |  |  | Reviewer Comment (2025-12-11): [Redacted] received Letter of explanation and Corrected Closing disclosure.<br>Seller Comment (2025-12-11): [Redacted] Please see attached Letter of Explanation, Post-Closed Closing Disclosure, Proof of Delivery. |  | 12/11/2025 |  | 2 C B |  | [Redact] | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9895875 | [Redact] |  | 35092906 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule ([Redacted]): [Redacted] waived right to receive a copy of the appraisal at least [Redacted] business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to [Redacted]was not provided. |  |  |  |  |  |  | 12/02/2025 | 2 B |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9895875 | [Redact] |  | 35137557 |  | Credit | Missing Document | General | Missing Document | Missing Document: UCDP Submission Summary Report not provided |  | The file is missing the [Redacted] and [Redacted] UCDP submissions to determine the CU and LCA scores. |  |  |  | Reviewer Comment (2025-12-04): Received UCDP Submission Summary Report. Exception Cleared.<br>Seller Comment (2025-12-03): [Redacted] [Redacted]: Please see attached.<br>Seller Comment (2025-12-03): [Redacted]- [Redacted]: Please see attached. | 12/04/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9895884 | [Redact] |  | 35146892 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule [Redacted]: Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Verification appraisal was delivered to [Redacted]was not provided. |  |  |  |  |  |  | 12/02/2025 | 2 B |  | [Redact] | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9895887 | [Redact] |  | 35021524 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [Redacted] Originator Loan Designation of [Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | The points and fees are more than allowable maximum, causing the loan to [Redacted] through the QM Testing, resulting in a Loan Designation discrepancy. |  |  |  | Reviewer Comment (2025-12-04): [Redacted] received itemization of seller credit.<br>Seller Comment (2025-12-03): [Redacted] A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | 12/04/2025 |  |  | 1 B A C |  | [Redact] | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9895887 | [Redact] |  | 35021525 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage[Redacted] Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of [Redacted] % of the [Redacted] Total Loan Amount. Points and Fees total $[Redacted]on a [Redacted] Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted]or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the [Redacted]Total Loan Amount. Points and Fees total $[Redacted]on a [Redacted]Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted] |  |  |  | Reviewer Comment (2025-12-04): [Redacted] received itemization of seller credit.<br>Seller Comment (2025-12-03): [Redacted] A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges.<br>Reviewer Comment (2025-12-03): Updated comment: the itemization in file matched the seller credit on the final CD; however the seller credit increased on the post-close CD's. Provide a copy of the itemization matching the updated seller credit and the loan will be reviewed to determine if any of the lump sum credit can offset the points and fees. | 12/04/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9895887 | [Redact] |  | 35021528 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page [Redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted] The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $[Redacted] threshold. | Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page [Redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted] The disclosed Total of Payments in the amount of $[Redacted]is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted]which exceeds the $[Redacted]threshold |  |  |  | Reviewer Comment (2025-12-18): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Seller Comment (2025-12-17): [Redacted] Please see attached Letter of Explanation, Refund Check, Post-Closed Closing Disclosure, Proof of Delivery. |  | 12/18/2025 |  | 2 C B |  | [Redact] | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9895887 | [Redact] |  | 35021530 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted]. Sufficient or excess cure was provided to the [Redacted]at Closing. | [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  | Reviewer Comment (2025-11-19): Sufficient Cure Provided At Closing |  | 11/19/2025 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9895887 | [Redact] |  | 35147488 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their [Redacted] residence. (Compliance testing performed based on the Occupancy Type of [Redacted]Home). | The declarations section of the initial 1003 identified that the [Redacted] would occupy the subject as a [Redacted] residence. |  |  |  |  |  |  | 12/02/2025 | 2 B |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9895905 | [Redact] |  | 35104428 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing a copy of the Fraud Report. |  |  |  | Reviewer Comment (2025-12-11): Received fraud report. Exception Cleared.<br>Seller Comment (2025-12-10): [Redacted] The [Redacted] report was delivered with the initial loan package. Please see attached.<br>Reviewer Comment (2025-12-09): Provided fraud report not for our borrower. Exception Remains.<br>Seller Comment (2025-12-09): [Redacted]: attached | 12/11/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redact] | 9895905 | [Redact] |  | 35104527 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted] valuation is missing. Sec ID: [Redacted] |  | Loan is to be securitized. [Redacted]valuation is missing. |  |  |  | Reviewer Comment (2025-12-08): [Redacted]valuation obtained | 12/08/2025 |  |  | 1 D A |  | [Redact] | Second Home | Purchase | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redact] | 9895905 | [Redact] |  | 35157145 |  | 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]. |  |  |  |  |  |  |  | 12/03/2025 | 2 B |  | [Redact] | Second Home | Purchase | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redact] | 9895905 | [Redact] |  | 35157146 |  | 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] |  |  |  |  |  |  |  | 12/03/2025 | 2 B |  | [Redact] | Second Home | Purchase | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redact] | 9895905 | [Redact] |  | 35162614 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted]/ Collateral Desktop Analysis (CDA) - No MLS Sheets - [Redacted] Days |  |  |  | Reviewer Comment (2025-12-08): [Redacted]valuation obtained<br>Reviewer Comment (2025-12-08): Valuation Received - [Redacted] | 12/08/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redact] | 9895913 | [Redact] |  | 35107922 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [Redacted] Originator Loan Designation of[Redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation is firing due to missing REO documentations and verification of employment within [Redacted] business days and CPA letters for self-employment. |  |  |  | Reviewer Comment (2025-12-22): Revised AUS provided removing the sch [Redacted] income. Rental income updated and new DTI was within tolerance of the revised DU DTI.<br>Seller Comment (2025-12-22): [Redacted][Redacted] income did not belong to a borrower, per the 1040s. removed this income from loan. Providing [Redacted]tax returns and [Redacted]rental income calculator, for [Redacted]showing rental income. Also providing LOX for the discrepancy in the addresses listed. When the [Redacted] income is removed and this rental income on Sch [Redacted] is added back in, the loan stays eligible.<br>Seller Comment (2025-12-22): [Redacted][Redacted]income did not belong to a borrower, per the 1040s. removed this income from loan. Providing [Redacted]tax returns and [Redacted]rental income calculator, for [Redacted]showing rental income. Also providing LOX for the discrepancy in the addresses listed. When the [Redacted] income is removed and this rental income on Sch [Redacted] is added back in, the loan stays eligible.<br>Seller Comment (2025-12-22): [Redacted][Redacted]income did not belong to a borrower, per the 1040s. removed this income from loan. Providing [Redacted]tax returns and [Redacted]rental income calculator, for [Redacted]showing rental income. Also providing LOX for the discrepancy in the addresses listed. When the[Redacted] income is removed and this rental income on Sch [Redacted] is added back in, the loan stays eligible.<br>Seller Comment (2025-12-22): [Redacted][Redacted]income did not belong to a borrower, per the 1040s. removed this income from loan. Providing [Redacted]tax returns and [Redacted]rental income calculator, for [Redacted]showing rental income. Also providing LOX for the discrepancy in the addresses listed. When the[Redacted] income is removed and this rental income on Sch [Redacted] is added back in, the loan stays eligible.<br>Reviewer Comment (2025-12-18): An additional copy of DU submission #[Redacted] was provided. This is an earlier DU submission than the [Redacted] on the initial file, #[Redacted]. An updated DU approval is required, dated after submission #[Redacted], removing the S/E income not needed to qualify and including student loan [Redacted]in the liabilities. Condition remains<br>Seller Comment (2025-12-18): [Redacted]: please see attached updated AUS<br>Reviewer Comment (2025-12-10): Additional comments: after further review, the lender did not include a student loan debt for the co-borrower, [Redacted] in the DTI. The student loan, acct [Redacted], was not included. When adding a payment of [Redacted]% or $[Redacted], the DTI will exceed the DU DTI if the borrower's S/E income is removed. Note: the REO expenses for the same borrower's REO at[Redacted] did not include the HOA dues that were verified in file of $[Redacted]per quarter were not included and the net rent for the property is less than the lender used to qualify.<br>Reviewer Comment (2025-12-10): The DU provided removing the unverified S/E income was submission #[Redacted]and was dated [Redacted] The final DU in file was submission #[Redacted]with an issue date of [Redacted] and included the S/E income. A revised/updated DU removing the S/E income is required. Condition remains<br>Seller Comment (2025-12-10): [Redacted] income from [Redacted]can be removed from loan and loan is still eligible at DTI of [Redacted]%. Providing AUS run with higher DTI showing loan would still be eligible.<br>Reviewer Comment (2025-12-08): File is still missing VVOE and third party verification of self-employment for [Redacted] of the [Redacted] borrowers. Condition remains<br>Seller Comment (2025-12-08): [Redacted] : Borrower was self employed so a VVEO within [Redacted] business days is not required. Providing evidence borrower's business was active at time of qualifying. | 12/22/2025 |  |  | 1 B A C |  | [Redact] | Second Home | Purchase | Lender to provide updated ATR/QM status C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| [Redact] | 9895913 | [Redact] |  | 35107923 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule [Redacted] | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable [Redacted]-party records. | [Redacted]party verification or CPA letter was not provided for [Redacted] self-employment. |  |  |  | Reviewer Comment (2025-12-22): Revised AUS provided removing the sch [Redacted] income. Rental income updated and new DTI was within tolerance of the revised DU DTI.<br>Seller Comment (2025-12-22): [Redacted] [Redacted]income did not belong to a borrower, per the 1040s. removed this income from loan. Providing [Redacted]tax returns and [Redacted]rental income calculator, for [Redacted]showing rental income. Also providing LOX for the discrepancy in the addresses listed. When the [Redacted]income is removed and this rental income on Sch [Redacted] is added back in, the loan stays eligible.<br>Seller Comment (2025-12-22): [Redacted][Redacted] income did not belong to a borrower, per the 1040s. removed this income from loan. Providing [Redacted] tax returns and [Redacted]rental income calculator, for [Redacted]showing rental income. Also providing LOX for the discrepancy in the addresses listed. When the [Redacted] income is removed and this rental income on Sch[Redacted] is added back in, the loan stays eligible.<br>Seller Comment (2025-12-22): [Redacted][Redacted]income did not belong to a borrower, per the 1040s. removed this income from loan. Providing [Redacted]tax returns and [Redacted]rental income calculator, for [Redacted]showing rental income. Also providing LOX for the discrepancy in the addresses listed. When the[Redacted] income is removed and this rental income on Sch [Redacted] is added back in, the loan stays eligible.<br>Seller Comment (2025-12-22): [Redacted]- [Redacted] income did not belong to a borrower, per the 1040s. removed this income from loan. Providing [Redacted]tax returns and [Redacted] rental income calculator, for [Redacted]showing rental income. Also providing LOX for the discrepancy in the addresses listed. When the [Redacted] income is removed and this rental income on Sch [Redacted] s added back in, the loan stays eligible.<br>Reviewer Comment (2025-12-10): The DU provided removing the unverified S/E income was submission #[Redacted]and was dated [Redacted]. The final DU in file was submission #[Redacted]with an issue date of [Redacted]and included the S/E income. A revised/updated DU removing the S/E income is required. Condition remains<br>Seller Comment (2025-12-10): [Redacted]income from [Redacted]can be removed from loan and loan is still eligible at DTI of [Redacted]%. Providing AUS run with higher DTI showing loan would still be eligible.<br>Reviewer Comment (2025-12-08): [Redacted] party verification of the self-employment income from [Redacted] was not provided. Condition remains<br>Seller Comment (2025-12-08): [Redacted] : Borrower was self employed so a VVEO within [Redacted] business days is not required. Providing evidence borrower's business was active at time of qualifying. | 12/22/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redact] | 9895913 | [Redact] |  | 35107924 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule [Redacted] | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable [Redacted]-party records. | [Redacted] party verification or CPA letter was not provided for [Redacted] self-employment. |  |  |  | Reviewer Comment (2025-12-08): [Redacted]party verification of S/E provided<br>Seller Comment (2025-12-08): [Redacted] : Borrower was self employed so a VVEO within [Redacted] business days is not required. Providing evidence borrower's business was active at time of qualifying. | 12/08/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redact] | 9895913 | [Redact] |  | 35107927 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the [Redacted] at Closing. |  |  |  |  | Reviewer Comment (2025-11-26): Sufficient Cure Provided At Closing |  | 11/26/2025 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| [Redact] | 9895913 | [Redact] |  | 35108092 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA verification was not in file. |  |  |  | Reviewer Comment (2025-12-10): Documentation verifying REO expenses provided<br>Seller Comment (2025-12-10): [Redacted]please see attached | 12/10/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redact] | 9895913 | [Redact] |  | 35108108 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | No statement in file to validate if payment is escrowed. If payments are not escrowed proof of taxes and insurance is also required. Also missing verification of HOA dues. |  |  |  | Reviewer Comment (2025-12-10): Documentation verifying REO expenses provided<br>Seller Comment (2025-12-10): [Redacted]please see attached<br>Reviewer Comment (2025-12-08): Proof of HOA and HOI provided; file is missing proof of property taxes. Note: if taxes were escrowed in the mortgage, a copy of the mortgage statement is required to verify the escrows. Condition remains<br>Reviewer Comment (2025-12-08): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: HOA Verification, Statement, Tax Verification<br>Seller Comment (2025-12-08): [Redacted]please see attached | 12/10/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redact] | 9895913 | [Redact] |  | 35108268 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within [Redacted] business days of the Note. |  | The verification of employment is not within [Redacted]business days of the Note. |  |  |  | Reviewer Comment (2025-12-17): Proof of the relationship between the [Redacted]companies was provided and VVOE in file confirmed the employment<br>Seller Comment (2025-12-16): [Redacted]please see attached, showing the connection between these [Redacted] companies. Additionally, it can be seen that searching "[Redacted]and[Redacted] directly brings up the borrower as well, on this document being provided.<br>Reviewer Comment (2025-12-10): The LOE from the borrower is not acceptable. Documentation from the employer confirming the relationship between the [Redacted] is required. Note: the LOE states there were pay stubs provided from both employers and both were active, however there was only pay stubs from [Redacted] Condition is valid and remains open<br>Seller Comment (2025-12-10): [Redacted]please see attached, showing the reason VVOE was obtained from [Redacted]and does not say [Redacted]<br>Seller Comment (2025-12-10): [Redacted] please see attached, showing the reason VVOE was obtained from [Redacted] and does not say [Redacted]<br>Reviewer Comment (2025-12-08): VVOE for the current employment with [Redacted] was not provided. Condition is valid and remains open<br>Seller Comment (2025-12-08): [Redacted]please see attached | 12/17/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redact] | 9895913 | [Redact] |  | 35108269 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | The verification of employment is not within [Redacted] business days of the Note. |  |  |  | Reviewer Comment (2025-12-17): Proof of the relationship between the [Redacted] companies was provided and VVOE in file confirmed the employment<br>Seller Comment (2025-12-16): [Redacted]please see attached, showing the connection between these two companies. Additionally, it can be seen that searching "[Redacted]and [Redacted]directly brings up the borrower as well, on this document being provided.<br>Reviewer Comment (2025-12-10): The LOE from the borrower is not acceptable. Documentation from the employer confirming the relationship between the [Redacted]is required. Note: the LOE states there were pay stubs provided from both employers and both were active, however there was only pay stubs from [Redacted] Condition is valid and remains open<br>Seller Comment (2025-12-10): [Redacted] please see attached, showing the reason VVOE was obtained from [Redacted]and does not say [Redacted].<br>Reviewer Comment (2025-12-08): VVOE for the current employment with [Redacted] was not provided. Condition is valid and remains open<br>Seller Comment (2025-12-08): [Redacted]please see attached | 12/17/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redact] | 9895913 | [Redact] |  | 35108325 |  | 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. | QM risk is firing due to missing REO documentation and [Redacted] party verification for self-employment and VOE within [Redacted] business days for wage earners. |  |  |  | Reviewer Comment (2025-12-17): Proof of the relationship between the [Redacted]companies was provided and VVOE in file confirmed the employment<br>Reviewer Comment (2025-12-10): The DU provided removing the unverified S/E income was submission #[Redacted]and was dated[Redacted]. The final DU in file was submission #[Redacted]with an issue date of[Redacted] and included the S/E income. A revised/updated DU removing the S/E income is required. Condition remains<br>Seller Comment (2025-12-10): [Redacted]: income from [Redacted]can be removed from loan and loan is still eligible at DTI of [Redacted]%. Providing AUS run with higher DTI showing loan would still be eligible.<br>Reviewer Comment (2025-12-08): File is still missing VVOE and third party verification of self-employment for [Redacted] of the [Redacted] borrowers. Condition remains<br>Seller Comment (2025-12-08): [Redacted] please see attached | 12/17/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redact] | 9895913 | [Redact] |  | 35136387 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Statement was not provided to validate if payment is escrowed credit report does not state if taxes and insurance are included. |  |  |  | Reviewer Comment (2025-12-08): Documentation to verify the PITIA was provided<br>Seller Comment (2025-12-08): [Redacted] please see attached<br>Seller Comment (2025-12-08): [Redacted]please see attached | 12/08/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redact] | 9952969 | [Redact] | [Redact] | 34994945 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by Custodian | 12/15/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9953384 | [Redact] | [Redact] | 35000992 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by Custodian | 12/15/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9953384 | [Redact] | [Redact] | 35168919 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/08/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9953803 | [Redact] | [Redact] | 35005716 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-12): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-12-10): (Rate Lock) [Redacted] delivered [Redacted] [Redacted] note tracking | 12/12/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954581 | [Redact] | [Redact] | 35010769 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-12): Waived on Rate Lock: Collateral cleared by Custodian | 12/12/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954581 | [Redact] | [Redact] | 35149309 |  | 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 is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  | 12/05/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954576 | [Redact] | [Redact] | 35010799 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by Custodian | 12/15/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954644 | [Redact] | [Redact] | 35011858 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-31): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-12-29): (Rate Lock) The note is being delivered on [Redacted] via [Redacted] [Redacted] | 12/31/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954654 | [Redact] | [Redact] | 35011859 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-12-12): (Rate Lock) tracking # [Redacted] | 12/15/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954654 | [Redact] | [Redact] | 35198453 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | ECOA Receipt of Appraisal Without Waiver |  |  |  |  |  |  | 12/11/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9957896 | [Redact] | [Redact] | 35034002 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-01): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-26): tracking for note [Redacted] | 12/01/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954590 | [Redact] |  | 35071547 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. |  |  |  |  |  |  | 12/03/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954591 | [Redact] |  | 35139808 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  |  |  |  |  | Reviewer Comment (2025-12-12): Received AUS. Exception Cleared.<br>Seller Comment (2025-12-11): AUS | 12/12/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954591 | [Redact] |  | 35139844 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-12-12): Received fraud report. Exception Cleared.<br>Seller Comment (2025-12-11): Fraud Report | 12/12/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954591 | [Redact] |  | 35140114 |  | Compliance | Compliance | Miscellaneous Compliance | TILA | Missing Document: Right to Cancel (RTC) not provided |  |  |  |  |  | Reviewer Comment (2025-12-12): NORTC provided<br>Seller Comment (2025-12-11): RTC | 12/12/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9954591 | [Redact] |  | 35141383 |  | 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. |  |  |  |  |  |  |  | 12/04/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954591 | [Redact] |  | 35141598 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2025-12-12): Received fraud report. Exception Cleared.<br>Seller Comment (2025-12-11): Fraud Report | 12/12/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954591 | [Redact] |  | 35146913 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  |  |  |  |  | Reviewer Comment (2025-12-12): Received 1008. Exception Cleared.<br>Seller Comment (2025-12-11): 1008 | 12/12/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954591 | [Redact] |  | 35146918 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | Reviewer Comment (2025-12-12): Received Final 1003. Exception Cleared.<br>Seller Comment (2025-12-11): 1003 | 12/12/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954591 | [Redact] |  | 35147043 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  | Buyer Comment (2025-12-15): Initial and Final Grade B, accepted |  |  | 12/15/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954591 | [Redact] |  | 35147044 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  | Reviewer Comment (2025-12-12): NORTC provided<br>Seller Comment (2025-12-11): NRTC | 12/12/2025 |  |  | 1 C A |  | [Redact] | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9954591 | [Redact] |  | 35221379 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | The disbursement date on the last CD in file (issued [Redacted]) was [Redacted], which is less than three business days from the transaction date of [Redacted]. It appears the file is missing a copy of the final CD. |  |  |  | Reviewer Comment (2025-12-31): Final CD provided. Exception cleared.<br>Seller Comment (2025-12-30): Final CD | 12/31/2025 |  |  | 1 A |  | [Redact] | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9954592 | [Redact] |  | 35063734 |  | 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. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 12/04/2025 | 2 B |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954592 | [Redact] |  | 35064304 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 12/04/2025 | 2 B |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954593 | [Redact] |  | 35060417 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/04/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954593 | [Redact] |  | 35060855 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard 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 (2026-02-12): Email confirmation from the insurance company verified guaranteed replacement cost coverage<br>Buyer Comment (2026-02-12): [Redacted]% replacement cost email attached. [Redacted] insurance is [Redacted]. [Redacted]. [Redacted]. [Redacted]. Phone: [Redacted]. Email: [Redacted]. Website: [Redacted]. [Redacted] merged with [Redacted] at [Redacted]. They logged into the [Redacted] to confirm coverage.<br>Reviewer Comment (2025-12-17): The GSE method was used to determine the coverage requirement. The appraisal identified the Total Estimate of Cost New as $[Redacted] and [Redacted]% of this value is identified as insured value. Coverage of at least $[Redacted] is required. The insurance is insufficient by $[Redacted]. Provide a copy of the replacement cost estimator from the insurance company, a revised policy/[Redacted] page with increased coverage, or documentation from the insurance company verifying the policy has Guaranteed Replacement cost coverage. Condition Remains.<br>Seller Comment (2025-12-16): HOI | 02/12/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954594 | [Redact] |  | 35205424 |  | 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 ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-12-24): Third party verification of S/E provided for all entities | 12/24/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9954594 | [Redact] |  | 35205425 |  | 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. | This file was missing third party verification of the borrower's self-employment. |  |  |  | Reviewer Comment (2025-12-24): Third party verification of S/E provided for all entities<br>Seller Comment (2025-12-23): VOE | 12/24/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954594 | [Redact] |  | 35205426 |  | 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. | This file was missing third party verification of the borrower's self-employment. |  |  |  | Reviewer Comment (2025-12-24): Third party verification of S/E provided for all entities<br>Seller Comment (2025-12-23): VOE | 12/24/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954594 | [Redact] |  | 35205427 |  | 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. | This file was missing third party verification of the borrower's self-employment. |  |  |  | Reviewer Comment (2025-12-24): Third party verification of S/E provided for all entities<br>Seller Comment (2025-12-23): VOE | 12/24/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954594 | [Redact] |  | 35205428 |  | 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. | This file was missing third party verification of the borrower's self-employment. |  |  |  | Reviewer Comment (2025-12-24): Third party verification of S/E provided for all entities<br>Seller Comment (2025-12-23): VOE | 12/24/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954594 | [Redact] |  | 35205429 |  | 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. | This file was missing third party verification of the borrower's self-employment. |  |  |  | Reviewer Comment (2025-12-24): Third party verification of S/E provided for all entities<br>Seller Comment (2025-12-23): VOE | 12/24/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954594 | [Redact] |  | 35205430 |  | 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. | This file was missing third party verification of the borrower's self-employment. |  |  |  | Reviewer Comment (2025-12-24): Third party verification of S/E provided for all entities<br>Seller Comment (2025-12-23): VOE | 12/24/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954594 | [Redact] |  | 35205431 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement was not provided to the borrower. |  |  |  | Buyer Comment (2025-12-15): Initial and Final Grade B, accepted |  |  | 12/15/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954595 | [Redact] |  | 35073972 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | The file was missing copy of [Redacted] Acknowledgement of Borrower Rights Rider |  |  |  | Reviewer Comment (2025-12-15): Received Rider . Exception Cleared.<br>Seller Comment (2025-12-11): [Redacted] Rider | 12/15/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954595 | [Redact] |  | 35128704 |  | 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 - Wire /Funding/ Disbursement Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Title - Wire /Funding/ Disbursement Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-12-18): [Redacted] received LOE. title - wire fee is under no tolerance.<br>Seller Comment (2025-12-16): response | 12/18/2025 |  |  | 1 C A |  | [Redact] | 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 |
| [Redact] | 9954596 | [Redact] |  | 35060248 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | Hazard Insurance Policy to have an effective date that is after the later of the disbursement |  |  |  | Reviewer Comment (2025-12-12): Updated HOI provided with an effective date equal to the Note date.<br>Seller Comment (2025-12-11): Insurance | 12/12/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954596 | [Redact] |  | 35060264 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10 |  |  |  |  |  | Reviewer Comment (2025-12-09): Secondary valuation obtained | 12/09/2025 |  |  | 1 A D |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954596 | [Redact] |  | 35060350 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 12/04/2025 | 2 B |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954596 | [Redact] |  | 35060356 |  | 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 (2025-12-17): [Redacted] received LOX stating CD dated [Redacted] is a draft CD.<br>Seller Comment (2025-12-16): CD response | 12/17/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954596 | [Redact] |  | 35170304 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-12-09): Secondary valuation obtained<br>Reviewer Comment (2025-12-09): Valuation Received - [Redacted] | 12/09/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954597 | [Redact] |  | 35060379 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 12/04/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954597 | [Redact] |  | 35060387 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | Verification(s) of employment is not within 10 business days of the Note. |  |  |  | Reviewer Comment (2025-12-15): Received VVOE. Exception Cleared.<br>Seller Comment (2025-12-12): VOE | 12/15/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954598 | [Redact] |  | 35071815 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. |  |  |  |  |  |  | 12/04/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954598 | [Redact] |  | 35071816 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. |  |  |  |  |  |  | 12/04/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954598 | [Redact] |  | 35074063 |  | 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: ___ | The AVM value is $[Redacted], the CDA provided value of $[Redacted] supports the origination value of $[Redacted]. |  |  |  | Reviewer Comment (2025-12-05): Client elected to waive the condition |  |  | 12/05/2025 | 2 A B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954599 | [Redact] |  | 35073603 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/04/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954599 | [Redact] |  | 35129230 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | Hazard Insurance Policy Effective Date [Redacted] |  |  |  | Reviewer Comment (2025-12-12): Revised HOI provided verifying an updated effective date.<br>Seller Comment (2025-12-11): Insurance | 12/12/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954601 | [Redact] |  | 35074466 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification of appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/04/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954601 | [Redact] |  | 35074468 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted]% tolerance was exceeded by $[Redacted] due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted] a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-01-13): [Redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Seller Comment (2026-01-12): Cure of [Redacted] provided ($[Redacted] + $[Redacted] + $[Redacted]) |  | 01/13/2026 |  | 2 C B |  | [Redact] | 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 |
| [Redact] | 9954601 | [Redact] |  | 35074469 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-12-23): [Redacted] Received Valid COC dated [Redacted].<br>Seller Comment (2025-12-22): COC's | 12/23/2025 |  |  | 1 C A |  | [Redact] | 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 |
| [Redact] | 9954601 | [Redact] |  | 35074470 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-01-13): [Redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Seller Comment (2026-01-12): Cure of [Redacted] provided ($[Redacted] + $[Redacted] + $[Redacted]) |  | 01/13/2026 |  | 2 C B |  | [Redact] | 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 |
| [Redact] | 9954601 | [Redact] |  | 35074471 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-01-13): [Redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. |  | 01/13/2026 |  | 2 C B |  | [Redact] | 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 |
| [Redact] | 9954601 | [Redact] |  | 35074871 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided. |  |  |  | Reviewer Comment (2025-12-15): Received VVOE. Exception Cleared.<br>Seller Comment (2025-12-12): VOE | 12/15/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954602 | [Redact] |  | 35103238 |  | 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. |  |  |  |  |  |  |  | 12/04/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954603 | [Redact] |  | 35072858 |  | 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 (2025-12-10): Secondary valuation obtained | 12/10/2025 |  |  | 1 D A |  | [Redact] | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954603 | [Redact] |  | 35072946 |  | 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. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. |  |  |  |  |  |  | 12/04/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954603 | [Redact] |  | 35073189 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/04/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954603 | [Redact] |  | 35073193 |  | 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. | Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-12-17): [Redacted] received valid Changed circumstance.<br>Seller Comment (2025-12-16): COC's | 12/17/2025 |  |  | 1 C A |  | [Redact] | 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 |
| [Redact] | 9954603 | [Redact] |  | 35073194 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-01-08): [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2026-01-07): Cure<br>Reviewer Comment (2025-12-23): [Redacted] received COC dated [Redacted] however it doesn't specify the reason as to why the rush was initiated. Kindly provide a valid COC or provide cure docs. Cure documents consist of Post CD,LOX ,Copy of refund check and proof of mailing.<br>Seller Comment (2025-12-22): COC's |  | 01/08/2026 |  | 2 C B |  | [Redact] | 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 |
| [Redact] | 9954603 | [Redact] |  | 35170305 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-12-10): Secondary valuation obtained<br>Reviewer Comment (2025-12-09): Valuation Received - [Redacted] | 12/10/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954604 | [Redact] |  | 35059581 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/04/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954605 | [Redact] |  | 35103063 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | Per AUS, VOE for co-borrower is required. VOE is not within 10 business days of the Note. |  |  |  | Reviewer Comment (2025-12-15): Co-borrower income not used for qualification. Exception Cleared.<br>Seller Comment (2025-12-12): Per the final 1003 and AUS, only [Redacted] income was used to qualify. Therefore a VOE for [Redacted] is not needed. | 12/15/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954607 | [Redact] |  | 35062831 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 12/04/2025 | 2 B |  | [Redact] | Primary | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954607 | [Redact] |  | 35062832 |  | 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. |  |  |  |  | Buyer Comment (2025-12-15): Initial and Final Grade B, accepted |  |  | 12/15/2025 | 2 B |  | [Redact] | Primary | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954607 | [Redact] |  | 35062833 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted]% tolerance was exceeded by $[Redacted] due to increase of title fees. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-12-26): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-12-24): cure<br>Reviewer Comment (2025-12-17): [Redacted] received rebuttal comment. Upon further review required cure for [Redacted]% tolerance fee is $[Redacted]. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Seller Comment (2025-12-16): Your loan calculations are not including the Title-Insurance Binder fee of $[Redacted] paid to [Redacted] who is affiliated with [Redacted] therefore fees = $[Redacted] + [Redacted]% = $[Redacted] allowable minus $[Redacted] charged = $[Redacted] over legal limit |  | 12/26/2025 |  | 2 C B |  | [Redact] | Primary | Purchase | 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 |
| [Redact] | 9954607 | [Redact] |  | 35164844 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10 |  |  |  |  |  | Reviewer Comment (2025-12-10): Secondary valuation obtained | 12/10/2025 |  |  | 1 A D |  | [Redact] | Primary | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954607 | [Redact] |  | 35170306 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-12-10): Secondary valuation obtained<br>Reviewer Comment (2025-12-09): Valuation Received - [Redacted] | 12/10/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954608 | [Redact] |  | 35074859 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial[Redacted]) |  |  |  | Reviewer Comment (2025-12-17): [Redacted] received disclosure tracking for the [Redacted] CD.<br>Seller Comment (2025-12-16): CD provided to both borrowers on [Redacted] | 12/17/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954608 | [Redact] |  | 35074861 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-12-19): [Redacted] received attestation suffice<br>Seller Comment (2025-12-18): Fee response | 12/19/2025 |  |  | 1 C A |  | [Redact] | 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 |
| [Redact] | 9954609 | [Redact] |  | 35063423 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted]% tolerance was exceeded by $[Redacted] due to increase of Recording Fees. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-12-22): [Redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Seller Comment (2025-12-22): cure |  | 12/22/2025 |  | 2 C B |  | [Redact] | Primary | Purchase | 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 |
| [Redact] | 9954612 | [Redact] |  | 35063169 |  | 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. | Coverage shortfall. The Title Policy Amount of $[Redacted] is less than the Note amount of $[Redacted] |  |  |  |  |  |  | 12/04/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954612 | [Redact] |  | 35063213 |  | 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: ___ | No second appraisal in file for securitization. |  |  |  | Reviewer Comment (2025-12-05): File contained a CDA supporting the appraised value; lower level AVM did not support. Client elected to waive the condition |  |  | 12/05/2025 | 2 A B |  | [Redact] | Primary | Refinance - Rate/Term | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954612 | [Redact] |  | 35063537 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 12/04/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954612 | [Redact] |  | 35063538 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 12/04/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954613 | [Redact] |  | 35063054 |  | 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]. | The personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. |  |  |  |  |  |  | 12/04/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954613 | [Redact] |  | 35133338 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Title Evidence not provided. |  |  |  | Reviewer Comment (2026-01-01): Received Final Title. Exception Cleared.<br>Seller Comment (2025-12-31): Final Title | 01/01/2026 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9848692 | [Redact] |  | 35112018 |  | Credit | Property - Appraisal | Property Eligibility - Subject and Improvements | Property - Appraisal | Log homes are ineligible per guidelines. |  | As per appraisal report, Subject property is[Redacted] Which is ineligible as per guideline. | [Redacted] monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>[Redacted]has been employed in the same industry for more than [Redacted] years.<br>[Redacted]has verified disposable income of at least $[Redacted].<br>[Redacted]has worked in the same position for more than [Redacted] years.<br>The Loan to Value (LTV) on the loan is less than or equal to [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted]points.<br>The representative FICO score is above [Redacted]. | [Redacted] vs [Redacted] | [Redact],Aggregator<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-10-28): Investor accepts and agrees to waive with compensating factors.<br>Buyer Comment (2025-10-28): Loan to be moved to [Redacted].<br>Buyer Comment (2025-10-28): Exception from [Redacted].<br>Reviewer Comment (2025-10-22): Will move to [Redacted] once client give the direction.<br>Buyer Comment (2025-10-21): will be moving loan to [Redacted]<br>Buyer Comment (2025-10-21): investor exception approval |  |  | 10/28/2025 | 2 B |  | [Redact] | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9848692 | [Redact] |  | 35112019 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule ([Redacted]: Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Receipt of appraisal provided prior to appraisal report date with no waiver. |  |  |  | Buyer Comment (2025-10-31): Acknowledged non material [Redacted] |  |  | 10/31/2025 | 2 B |  | [Redact] | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9848692 | [Redact] |  | 35112020 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | Loan Disbursement Date is [Redacted]. However, hazard Insurance Policy Effective Date is [Redacted] |  |  |  | Reviewer Comment (2025-11-04): Noted Current HOI policy. exception cleared<br>Buyer Comment (2025-11-03): HOI | 11/04/2025 |  |  | 1 C A |  | [Redact] | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9848692 | [Redact] |  | 35112021 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | [Redacted] -1040 Transcript not found in the loan for [Redacted] year average income being used to qualify |  |  |  | Reviewer Comment (2025-11-10): Received [Redacted]1040 Transcript. Exception Cleared<br>Buyer Comment (2025-11-06): Transcripts | 11/10/2025 |  |  | 1 C A |  | [Redact] | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9848692 | [Redact] |  | 35112022 |  | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided |  | Missing evidence of unfettered access to asset held in trust. #[Redacted] |  |  |  | Reviewer Comment (2025-11-11): Received Trust agreement. Exception cleared<br>Buyer Comment (2025-11-07): Trust Agreement | 11/11/2025 |  |  | 1 C A |  | [Redact] | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954653 | [Redact] |  | 35137737 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/04/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954653 | [Redact] |  | 35164801 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | The source of funds for the deposit of [Redacted] was not in file, resulting in the borrower being short reserves. |  |  |  | Reviewer Comment (2025-12-12): Source of funds for the additional deposit made prior to closing was provided<br>Seller Comment (2025-12-12): Source of Funds | 12/12/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954653 | [Redact] |  | 35164802 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | The source of funds for the deposit of[Redacted] was not in file, resulting in the borrower being short reserves. |  |  |  | Reviewer Comment (2025-12-12): Source of funds for the additional deposit made prior to closing was provided<br>Seller Comment (2025-12-12): SOF | 12/12/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954653 | [Redact] |  | 35164808 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-12-12): Source of funds for the additional deposit made prior to closing was provided<br>Seller Comment (2025-12-12): SOF | 12/12/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9954653 | [Redact] |  | 35164809 |  | 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. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-12-12): Source of funds for the additional deposit made prior to closing was provided<br>Seller Comment (2025-12-12): SOF | 12/12/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954651 | [Redact] |  | 35136298 |  | 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] | 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] |  |  |  |  |  |  | 12/04/2025 | 2 B |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954651 | [Redact] |  | 35136299 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] [Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] % tolerance was exceeded by $[Redacted] due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the [Redacted] disclosing the changes made. |  |  |  | Reviewer Comment (2025-12-15): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-12-12): cure |  | 12/15/2025 |  | 2 C B |  | [Redact] | Second Home | Purchase | 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 |
| [Redact] | 9954646 | [Redact] |  | 35136465 |  | 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 (2025-12-02): Sufficient Cure Provided At Closing |  | 12/02/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9954646 | [Redact] |  | 35136466 |  | 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 (2025-12-02): Sufficient Cure Provided At Closing |  | 12/02/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9954646 | [Redact] |  | 35136469 |  | 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 |  |  |  | Reviewer Comment (2026-02-03): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Seller Comment (2026-02-02): Proof of delivery<br>Reviewer Comment (2026-01-23): Please provide proof of receipt to complete cure.<br>Seller Comment (2026-01-22): LOE<br>Reviewer Comment (2026-01-22): [Redacted] received Corrected CD, Executed RTC's and copy of cure refund of $[Redacted]. Missing copy of LOE to borrower explaining violation & cure and proof of mailing of the cure package to finalize.<br>Seller Comment (2026-01-21): Cure documents<br>Reviewer Comment (2025-12-29): Cure in the amount of $[Redacted] is required. Cure requires PCCD, LOE, copy of refund check, re-opening of RTC and proof of delivery. Additionally, this is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery.<br>Reviewer Comment (2025-12-12): [Redacted] received the [Redacted] PCCD. However, the issue is differences in fees lender did not include in calculation. The Loan Verifications fee of $[Redacted] in Section B and the Title-Tax Cert fee were not included. [Redacted] did not include the Doc Prep fee of $[Redacted] or attorney review fee of $[Redacted] which is then calculating to an underdisclosure of $[Redacted]. If lender does not feel any of these fees should be included in the calculation, a Lender's Attestation giving the specific services/purpose of the fee should be provided in order to determine if they were an extension of credit. Cure would be a Corrected CD, LOE to borrower, copy of cure refund of $[Redacted], proof of mailing and proof of reopening of rescission to all consumers.<br>Seller Comment (2025-12-11): Post CD |  | 02/03/2026 |  | 2 C B |  | [Redact] | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9954646 | [Redact] |  | 35136470 |  | 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 |  |  |  | Reviewer Comment (2026-02-03): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Reviewer Comment (2026-01-22): [Redacted] received Corrected CD, Executed RTC's and copy of cure refund of $[Redacted]. Missing copy of LOE to borrower explaining violation & cure and proof of mailing of the cure package to finalize.<br>Seller Comment (2026-01-21): cure docs<br>Reviewer Comment (2025-12-29): Cure in the amount of $[Redacted] is required. Cure requires PCCD, LOE, copy of refund check, re-opening of RTC and proof of delivery. Additionally, this is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery.<br>Seller Comment (2025-12-29): Post CD dated [Redacted] |  | 02/03/2026 |  | 2 C B |  | [Redact] | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9954645 | [Redact] |  | 35133867 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Tax Verification for the REO |  |  |  | Reviewer Comment (2025-12-15): Received HOA. Exception Cleared.<br>Seller Comment (2025-12-11): Please see attached. Insurance, HOA and HOA Special Assessment<br>Reviewer Comment (2025-12-08): As per final 1003, other payment is $[Redacted]. Insurance as per document $[Redacted] monthly. Required supporting document for remaining $[Redacted] expenses. Exception Remains.<br>Seller Comment (2025-12-08): Taxes | 12/15/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954649 | [Redact] |  | 35133610 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/08/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954649 | [Redact] |  | 35180771 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on [Redacted] did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). | The lender Contact NMLS Name and ID was not disclosed on page 5 of the final CD. |  |  |  | Reviewer Comment (2026-01-06): [Redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2026-01-06): LOE<br>Reviewer Comment (2026-01-02): [Redacted]: The LOE to borrower was not located in trailing documents. Please provide LOE to borrower to complete remediation.<br>Seller Comment (2025-12-31): Please include all requirements when issuing findings to avoid having to go back and forth with our clients.<br>Reviewer Comment (2025-12-30): [Redacted] received Corrected CD. Missing copy of LOE to borrower which accompanied the PCCD to finalize cure.<br>Seller Comment (2025-12-29): CD |  | 01/06/2026 |  | 2 C B |  | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9954648 | [Redact] |  | 35133995 |  | 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 (2025-12-10): Secondary valuation obtained | 12/10/2025 |  |  | 1 D A |  | [Redact] | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954648 | [Redact] |  | 35184460 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [Redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-12-10): Secondary valuation obtained<br>Reviewer Comment (2025-12-10): Valuation Received - [Redacted] | 12/10/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

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## Exhibit 99.2

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.2 - Schedule 3**

![](situs-logo.jpg)

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| |
|:---|
| **Rating Agency Grades** |
| **Run Date - 2/26/2026 9:32:09 PM** |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| [Redact] | 9108201 | [Redact] | [Redact] |  | C | C | D | D | A | B | A | B |  |
| [Redact] | 9243436 | [Redact] | [Redact] |  | C | C | A | C | A | B | A | B |  |
| [Redact] | 9248797 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9249304 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9248760 | [Redact] |  |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9248785 | [Redact] |  |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9305620 | [Redact] | [Redact] |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9307200 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9447573 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9360726 | [Redact] | [Redact] |  | C | B | A | C | B | B | A | B |  |
| [Redact] | 9361675 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9362513 | [Redact] | [Redact] |  | C | C | D | D | A | B | A | B |  |
| [Redact] | 9363244 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9365848 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9367633 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9377820 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9389744 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9498050 | [Redact] | [Redact] |  | D | B | D | D | A | B | A | B |  |
| [Redact] | 9498132 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9498509 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9499985 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9500128 | [Redact] | [Redact] |  | A | A | D | D | A | A | A | A |  |
| [Redact] | 9501828 | [Redact] | [Redact] |  | D | B | D | D | A | B | A | B |  |
| [Redact] | 9501879 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9502466 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9502491 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9610720 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9504089 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9504091 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9551033 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9554480 | [Redact] | [Redact] |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9554493 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9554852 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9555146 | [Redact] | [Redact] |  | C | C | A | C | A | B | A | B |  |
| [Redact] | 9555236 | [Redact] | [Redact] |  | C | A | A | C | B | A | A | B |  |
| [Redact] | 9555323 | [Redact] | [Redact] |  | C | B | A | C | B | B | A | B |  |
| [Redact] | 9556892 | [Redact] | [Redact] |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9557096 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9606020 | [Redact] | [Redact] |  | C | C | A | C | A | B | A | B |  |
| [Redact] | 9606831 | [Redact] | [Redact] |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9608292 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9389634 | [Redact] |  |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9389636 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9389633 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9389619 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9389644 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9389621 | [Redact] |  |  | A | A | A | A | A | B | A | B |  |
| [Redact] | 9610942 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9652790 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9652912 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9688974 | [Redact] | [Redact] |  | D | C | D | D | A | B | A | B |  |
| [Redact] | 9689664 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9693377 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9693584 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9693989 | [Redact] | [Redact] |  | D | A | D | D | B | A | A | B |  |
| [Redact] | 9693990 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9693991 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9694495 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9694504 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9694517 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9694752 | [Redact] | [Redact] |  | B | C | A | C | B | A | A | B |  |
| [Redact] | 9698115 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9698791 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9732118 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9698057 | [Redact] |  |  | B | C | A | C | A | A | A | A |  |
| [Redact] | 9983761 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9735280 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9769238 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9803307 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9804809 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9808760 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9808805 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9809158 | [Redact] | [Redact] |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9809508 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9809648 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 200194781 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 200202271 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9845416 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9845723 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9845837 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9845849 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9845893 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9846239 | [Redact] | [Redact] |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9851222 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9852669 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9852655 | [Redact] |  |  | C | A | A | C | B | A | A | B |  |
| [Redact] | 9852658 | [Redact] |  |  | C | B | A D | C D | A | B | A | B |  |
| [Redact] | 9852671 | [Redact] |  |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9852662 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9852663 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9852672 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9852673 | [Redact] |  |  | A | A | A D | A D | A | A | A | A |  |
| [Redact] | 9852674 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9852675 | [Redact] |  |  | C | C | A D | C D | A | B | A | B |  |
| [Redact] | 9856798 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9856755 | [Redact] |  |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9856756 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9856757 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9856758 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9856759 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9856761 | [Redact] |  |  | C | C | A | C | B | B | A | B |  |
| [Redact] | 9856762 | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9856763 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9856766 | [Redact] |  |  | B | B | A | B | B | B | A | B |  |
| [Redact] | 9856767 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9856769 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9856771 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9856772 | [Redact] |  |  | A | A | A D | A D | A | A | A | A |  |
| [Redact] | 9856773 | [Redact] |  |  | B | B | A | B | B | B | A | B |  |
| [Redact] | 9856774 | [Redact] |  |  | A | C | D | D | A | B | A | B |  |
| [Redact] | 9856775 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9856776 | [Redact] |  |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9856778 | [Redact] |  |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9856779 | [Redact] |  |  | C | A | A | C | B | A | A | B |  |
| [Redact] | 9856780 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9856782 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9860521 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9860513 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9861418 | [Redact] | [Redact] |  | B | C | A | C | B | A | A | B |  |
| [Redact] | 9860530 | [Redact] |  |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9860531 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9860533 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9860534 | [Redact] |  |  | B | C | A | C | B | A | A | B |  |
| [Redact] | 9860535 | [Redact] |  |  | A | B | A D | B D | A | B | A | B |  |
| [Redact] | 9860536 | [Redact] |  |  | D | C | D | D | A | B | A | B |  |
| [Redact] | 9860537 | [Redact] |  |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9860538 | [Redact] |  |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9860539 | [Redact] |  |  | B | C | A | C | B | B | A | B |  |
| [Redact] | 9860540 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9860541 | [Redact] |  |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9860542 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9860543 | [Redact] |  |  | B | A | D | D | B | A | A | B |  |
| [Redact] | 9860544 | [Redact] |  |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9860545 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9860546 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9860548 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9860549 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9860551 | [Redact] |  |  | A | B | D | D | A | B | A | B |  |
| [Redact] | 9860552 | [Redact] |  |  | B | B | A | B | B | B | A | B |  |
| [Redact] | 9860553 | [Redact] |  |  | B | C | A | C | A | B | A | B |  |
| [Redact] | 9860554 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9861257 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9861261 | [Redact] |  |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9861279 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9861286 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9861288 | [Redact] |  |  | D | A | A | D | A | B | A | B |  |
| [Redact] | 9861295 | [Redact] |  |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9861301 | [Redact] |  |  | C | B | A | C | B | B | A | B |  |
| [Redact] | 9861302 | [Redact] |  |  | B | C | A | C | B | B | A | B |  |
| [Redact] | 9896618 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9896606 | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9896607 | [Redact] |  |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9896608 | [Redact] |  |  | C | A | A D | C D | A | A | A | A |  |
| [Redact] | 9896609 | [Redact] |  |  | C | B | A D | C D | A | B | A | B |  |
| [Redact] | 9896610 | [Redact] |  |  | D | D | A | D | B | B | A | B |  |
| [Redact] | 9896611 | [Redact] |  |  | B | B | A | B | B | B | A | B |  |
| [Redact] | 9896612 | [Redact] |  |  | B | C | A | C | B | B | A | B |  |
| [Redact] | 9896613 | [Redact] |  |  | A | A | D | D | A | A | A | A |  |
| [Redact] | 9896614 | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9896615 | [Redact] |  |  | B | C | A | C | A | B | A | B |  |
| [Redact] | 9850298 | [Redact] |  |  | C | C | A | C | A | B | A | B |  |
| [Redact] | 9850304 | [Redact] |  |  | C | C | A | C | A | B | A | B |  |
| [Redact] | 9850288 | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9912094 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9915342 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9917882 | [Redact] | [Redact] |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9895799 | [Redact] |  |  | A | C | D | D | A | A | A | A |  |
| [Redact] | 9895818 | [Redact] |  |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9895835 | [Redact] |  |  | A | B | D | D | A | A | A | A |  |
| [Redact] | 9895865 | [Redact] |  |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9895875 | [Redact] |  |  | C | C | A | C | A | B | A | B |  |
| [Redact] | 9895884 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9895887 | [Redact] |  |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9895905 | [Redact] |  |  | C | B | D | D | A | B | A | B |  |
| [Redact] | 9895913 | [Redact] |  |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9952969 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9953384 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9953803 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9954581 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9954576 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9954644 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9954654 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9957896 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9954590 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9954591 | [Redact] |  |  | C | C | A | C | B | B | A | B |  |
| [Redact] | 9954592 | [Redact] |  |  | B | B | A | B | B | B | A | B |  |
| [Redact] | 9954593 | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9954594 | [Redact] |  |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9954595 | [Redact] |  |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9954596 | [Redact] |  |  | C | C | A D | C D | A | B | A | B |  |
| [Redact] | 9954597 | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9954598 | [Redact] |  |  | A | B | A B | B | A | B | A B | B |  |
| [Redact] | 9954599 | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9954601 | [Redact] |  |  | C | C | A | C | A | B | A | B |  |
| [Redact] | 9954602 | [Redact] |  |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9954603 | [Redact] |  |  | B | C | D | D | B | B | A | B |  |
| [Redact] | 9954604 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9954605 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9954606 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9954607 | [Redact] |  |  | A | C | A D | C D | A | B | A | B |  |
| [Redact] | 9954608 | [Redact] |  |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9954609 | [Redact] |  |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9954612 | [Redact] |  |  | B | B | A B | B | B | B | A B | B |  |
| [Redact] | 9954613 | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9848692 | [Redact] |  |  | C | B | A | C | B | B | A | B |  |
| [Redact] | 9954653 | [Redact] |  |  | C | C | A | C | A | B | A | B |  |
| [Redact] | 9954651 | [Redact] |  |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9954646 | [Redact] |  |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9954645 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9954649 | [Redact] |  |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9954648 | [Redact] |  |  | A | A | D | D | A | A | A | A |  |

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## Exhibit 99.2

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.2 - Schedule 4**

![](situs-logo.jpg)

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| |
|:---|
| **Valuation Report** |
| **Run Date - 2/26/2026 9:32:09 PM** |

---

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC 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** |
| [Redact] | 9108201 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| [Redact] | 9243436 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| [Redact] | 9248797 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9249304 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9248760 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9248785 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
| [Redact] | 9305620 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| [Redact] | 9307200 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9447573 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9360726 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| [Redact] | 9361675 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| [Redact] | 9362513 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.20 |
| [Redact] | 9363244 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| [Redact] | 9365848 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9367633 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9377820 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9389744 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| [Redact] | 9498050 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [Redact] | 9498132 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9498509 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 9499985 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| [Redact] | 9500128 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
| [Redact] | 9501828 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9501879 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.790% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9502466 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9502491 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redact] | 9610720 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redact] | 9504089 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9504091 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [Redact] | 9551033 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redact] | 9554480 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redact] | 9554493 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9554852 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9555146 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [Redact] | 9555236 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9555323 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| [Redact] | 9556892 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9557096 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| [Redact] | 9606020 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9606831 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9608292 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9389634 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9389636 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| [Redact] | 9389633 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| [Redact] | 9389619 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9389644 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redact] | 9389621 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.310% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| [Redact] | 9610942 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9652790 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9652912 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| [Redact] | 9688974 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9689664 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9693377 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| [Redact] | 9693584 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9693989 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.180% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [Redact] | 9693990 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9693991 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9694495 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 9694504 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 10.280% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9694517 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 9694752 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redact] | 9698115 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| [Redact] | 9698791 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [Redact] | 9732118 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 9698057 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9983761 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9735280 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| [Redact] | 9769238 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| [Redact] | 9803307 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9804809 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.690% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| [Redact] | 9808760 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redact] | 9808805 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9809158 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.120% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| [Redact] | 9809508 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9809648 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 200194781 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redact] | 200202271 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.50 |
| [Redact] | 9845416 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9845723 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9845837 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9845849 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9845893 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9846239 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9851222 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9852669 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.920% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.10 |
| [Redact] | 9852655 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9852658 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -3.440% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.30 |
| [Redact] | 9852671 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9852662 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9852663 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9852672 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
| [Redact] | 9852673 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -5.030% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| [Redact] | 9852674 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| [Redact] | 9852675 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 1.140% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 9856798 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.820% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| [Redact] | 9856755 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9856756 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9856757 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9856758 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.720% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
| [Redact] | 9856759 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.180% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redact] | 9856761 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.590% |  |  | AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9856762 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [Redact] | 9856763 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [Redact] | 9856766 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9856767 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9856769 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| [Redact] | 9856771 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9856772 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 1.120% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.40 |
| [Redact] | 9856773 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| [Redact] | 9856774 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| [Redact] | 9856775 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [Redact] | 9856776 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9856778 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| [Redact] | 9856779 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9856780 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| [Redact] | 9856782 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| [Redact] | 9860521 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redact] | 9860513 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redact] | 9861418 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redact] | 9860530 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 |
| [Redact] | 9860531 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redact] | 9860533 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redact] | 9860534 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9860535 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | -0.800% |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9860536 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -3.800% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9860537 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| [Redact] | 9860538 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.50 |
| [Redact] | 9860539 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [Redact] | 9860540 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9860541 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.460% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.70 |
| [Redact] | 9860542 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9860543 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.930% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| [Redact] | 9860544 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.90 |
| [Redact] | 9860545 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9860546 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9860548 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9860549 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [Redact] | 9860551 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| [Redact] | 9860552 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redact] | 9860553 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| [Redact] | 9860554 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9861257 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| [Redact] | 9861261 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9861279 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redact] | 9861286 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| [Redact] | 9861288 | [Redact] |  |  |  |  |  |  |  | 2.550% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| [Redact] | 9861295 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9861301 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| [Redact] | 9861302 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9896618 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| [Redact] | 9896606 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.40 |
| [Redact] | 9896607 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 15.060% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9896608 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -6.000% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.60 |
| [Redact] | 9896609 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 3.240% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| [Redact] | 9896610 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redact] | 9896611 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.580% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.90 |
| [Redact] | 9896612 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 9.170% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| [Redact] | 9896613 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| [Redact] | 9896614 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -10.660% |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9896615 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [Redact] | 9850298 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| [Redact] | 9850304 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9850288 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redact] | 9912094 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 9915342 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9917882 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9895799 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.80 |
| [Redact] | 9895818 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [Redact] | 9895835 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.20 |
| [Redact] | 9895865 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9895875 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [Redact] | 9895884 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.40 |
| [Redact] | 9895887 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [Redact] | 9895905 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.10 |
| [Redact] | 9895913 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9952969 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9953384 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9953803 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redact] | 9954581 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9954576 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9954644 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9954654 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9957896 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9954590 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [Redact] | 9954591 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redact] | 9954592 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.440% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.440% |  |  |  |  |  |  |  |  | No | 4.50 | 1.40 |
| [Redact] | 9954593 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.330% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9954594 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.380% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [Redact] | 9954595 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9954596 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -5.170% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [Redact] | 9954597 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.590% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [Redact] | 9954598 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -13.270% |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| [Redact] | 9954599 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 9954601 | [Redact] |  |  |  |  |  |  |  | 0.680% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [Redact] | 9954602 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [Redact] | 9954603 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9954604 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.680% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9954605 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [Redact] | 9954606 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9954607 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 5.590% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| [Redact] | 9954608 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9954609 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.420% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9954612 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -13.140% |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| [Redact] | 9954613 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9848692 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| [Redact] | 9954653 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redact] | 9954651 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redact] | 9954646 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 9954645 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redact] | 9954649 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 | 1.00 |
| [Redact] | 9954648 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |

---

## Exhibit 99.3

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.3**

**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 newly originated residential mortgage loans acquired by Morgan Stanley Mortgage Capital Holdings LLC and/or its affiliates through a bulk purchase. The review included a total of 59 newly originated residential mortgage loans, in connection with the securitization identified as MSRM 2026-1 (the "Securitization"). The Review was conducted from December 2025 through January 2026 on mortgage loans originated between December 2025 through January 2026.

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Pricing
 Thresholds:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For loans reviewed in a post-close valuation review scenario (59 loans in total):

Three (3) loans had a Secondary Appraisal, thirty-one (31) loans had an AVM, and fourteen (14) loans had Desktop Reviews. In one (1) instance, loans had both an AVM and Desk Review(s). Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

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

Zero (0) loans had a Second Desk Review, and zero (0) loans had a Full Appraisal Review.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the fifty-nine (59) mortgage loans reviewed, fifty-three (53) unique mortgage loans (89.83% by loan count) had a total of eighty-three (83) discrepancies across seven (7) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy <br> Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;42 | &nbsp;&nbsp;50.60% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;27 | &nbsp;&nbsp;32.53% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;10 | &nbsp;&nbsp;12.05% |
| &nbsp;&nbsp;Lock Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.20% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.20% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.20% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.20% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**83** | &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 |
| Event Grade A | 40 | $51080565.00 | 67.80% |
| Event Grade B | 19 | $26827157.00 | 32.20% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 59 | $77907722.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 54 | 91.53% |
| Event Grade B | 5 | 8.47% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 59 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 43 | 72.88% |
| Event Grade B | 16 | 27.12% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 59 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 56 | 94.92% |
| Event Grade B | 3 | 5.08% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 59 | 100.00% |

---

 **Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception<br> Type | &nbsp;&nbsp;Exception <br> Level <br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;47 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 1 Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No evidence of required debt payoff | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 8 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 8 Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 2 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Photo Identification not provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Document is Partially Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing explanation and supporting documentation for large deposit(s) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 Photo Identification not provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**59** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;**4** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;**5** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;RESPA Homeownership Counseling Organizations Disclosure Date Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;**44** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;**19** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;55 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;**56** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;**3** |

---

**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 99.3

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.3 - Schedule 1**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **LOANID** | **Transaction ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 10156355 | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Appears to be rounding difference. |
| 10156359 | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Confirmed, DTI increased due to commission income calculated lower at audit using YTD+XXX yr average commission on WVOE in file. |
| 10156365 | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | B1 Bonus calculated lower at audit using YTD and XXX years prior paystubs average. Approval in file does not reflect fire insurance payment, included in audit calculation. DTI increased. |
| 10156372 | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | True data reflects DTI without rounding. |
| 10156353 | XXX | Note Date | XXX | XXX | Confirmed on Note in file, these are the same. |
| 10156353 | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Confirmed, DTI increased due to income from XXX Elm St LLC calculated lower at audit due to declining. |
| 10156357 | XXX | Note Date | XXX | XXX | XXX XX/XX/XXXX confirmed using Note. |
| 10156358 | XXX | Note Date | XXX | XXX | True data reflects XXX confirmed on the Note in file. |
| 10156361 | XXX | Note Date | XXX | XXX | Confirmed on Note in file, both are the same. |
| 10156361 | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Confirmed, DTI increased at audit due to commission income calculated lower using YTD + XXX years average. |
| 10156363 | XXX | Note Date | XXX | XXX | Confirmed on Note in file. |
| 10156367 | XXX | Note Date | XXX | XXX | XXX XX/XX/XXXX confirmed using Note. |
| 10156367 | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | XXX of XXX differs due to auditor used lesser income for XXX K-XXX income and Audited calculations deducted negative rental income from total income and not add it to debts as lender did. Lender XXX also reflect negative rents of XXX as positive rental income not negative increasing total income. |
| 10161105 | XXX | Note Date | XXX | XXX | XXX XX/XX/XXXX confirmed using Note. |
| 10161105 | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Qualifying Total Debt Income DTI XXX% is due to HOA Dues documentation support a monthly payment of XXX reported amount XXX causing DTI to increase. |
| 10161108 | XXX | Note Date | XXX | XXX | XXX XX/XX/XXXX confirmed using Note. |
| 10161108 | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | XXX does not match XXX due to subject property taxes documentation does not support monthly payment of XXX reflects payments of $XXX. Causing DTI to decrease. |
| 10156374 | XXX | Note Date | XXX | XXX | XXX XX/XX/XXXX confirmed using Note. |
| 10156368 | XXX | Property Value | XXX | XXX | Per Appraisal Report |
| 10161111 | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Confirmed the audit DTI of XXX% which matches the initial underwriter's Uniform Underwriting and Transmittal Summary. |
| 10161103 | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy due to calculation of PITI of departure. Using P & I from mortgage Statement and Taxes and Ins from Final 1003. |
| 10161088 | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Variance is due to B2 income which is variable. Underwriter calculated through XXX/XXX, updated paystub required and average is lower. Max income for qualifying XXX+XXX or XXX |
| 10156371 | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI of XXX% matched the Lender DTI as per the LP/Lender Approval |
| 10156362 | XXX | First Payment Date | XXX | XXX | Per Note |
| 10156354 | XXX | Note Date | XXX | XXX | XXX XX/XX/XXXX confirmed using Note. |
| 10156360 | XXX | Note Date | XXX | XXX | Subject XXX is XX/XX/XXXX which matches the tape. Tape data may include a space at the end causing the discrepancy. |
| 10156366 | XXX | Note Date | XXX | XXX | Subject XXX is XX/XX/XXXX which is correctly reported on the Tape data. |
| 10161089 | XXX | Note Date | XXX | XXX | Confirmed XXX |
| 10161090 | XXX | Note Date | XXX | XXX | XXX per note is XX/XX/XXXX |
| 10161091 | XXX | Note Date | XXX | XXX | No Variance per Note |
| 10156370 | XXX | Note Date | XXX | XXX | The XXX is XX/XX/XXXX which matches the tape data. |
| 10156370 | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI is lower due to lower verified other payments |
| 10161115 | XXX | Note Date | XXX | XXX | Date of XX/XX/XXXX verified via the note. |
| 10161115 | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI XXX% due consumer monthly debt is XXX higher and DU has extra SSI income of XXX for B2. Final 1003 and XXX does not reflect extra SSI income, audit did not use. |
| 10161093 | XXX | Note Date | XXX | XXX | The XXX is XX/XX/XXXX which matches the tape data. |
| 10161094 | XXX | Note Date | XXX | XXX | XXX is XX/XX/XXXX per note. |
| 10161107 | XXX | Note Date | XXX | XXX | One and the same |
| 10161110 | XXX | Note Date | XXX | XXX | XXX of XX/XX/XXXX is verified with note. |
| 10161110 | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Slight variance is due to calculation of MVP. Auditor calculated XXX month average as XXX whereas Underwriter calculated - XXX. Acceptable as within XXX% tolerance. |
| 10161114 | XXX | Note Date | XXX | XXX | Condfirmed the XXX as XX/XX/XXXX as per the Note |
| 10161114 | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI matches the Lender DTI as per the LP and XXX |
| 10156375 | XXX | Note Date | XXX | XXX | Confirmed the XXX as XX/XX/XXXX as per the Note |
| 10156375 | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI of XXX% matches the lender as per the DU |
| 10161092 | XXX | Note Date | XXX | XXX | Confirmed the XXX of XXX/XXX/XXX. |
| 10161092 | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Confirmed the audit DTI of XXX. DTI increased at audit due to increase in 2nd home payment for 2nd mortgage. |
| 10161096 | XXX | Note Date | XXX | XXX | Confirmed the XXX as XX/XX/XXXX as per the Note |
| 10161098 | XXX | Note Date | XXX | XXX | Confirmed the XXX as XX/XX/XXXX as per the Note |
| 10161106 | XXX | Note Date | XXX | XXX | Per the Note |
| 10161109 | XXX | Note Date | XXX | XXX | Confirmed the XXX as XX/XX/XXXX as per the Note |
| 10161085 | XXX | Note Date | XXX | XXX | Confirmed same, XXX on Note in file is XXX/XXX/XXX. |
| 10161086 | XXX | Note Date | XXX | XXX | Confirmed the XXX of XX/XX/XXXX as per the Note |
| 10161095 | XXX | Note Date | XXX | XXX | Confirmed XXX of XXX/XXX/XXX. |
| 10161097 | XXX | Note Date | XXX | XXX | Confirmed the XXX of XX/XX/XXXX as per the Note |
| 10161097 | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | AUS DTI of XXX% matches the Lender DTI as per the DU and XXX |
| 10161099 | XXX | Note Date | XXX | XXX | Confirmed the same, verified on Note in file. |
| 10161087 | XXX | First Payment Date | XXX | XXX | First payment of XX/XX/XXXX verified via the note. |
| 10161087 | XXX | Note Date | XXX | XXX | XXX of XX/XX/XXXX verified via the note. |
| 10161087 | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI XXX% due to B2 income is lower XXX (YTD & Prior year W2). B2 paystub also does not reflect any OT. A lender's income calculation worksheet was not provided to verify how income was calculated. |
| 10161101 | XXX | First Payment Date | XXX | XXX | Per Note |
| 10161101 | XXX | Note Date | XXX | XXX | Per Note |
| 10161101 | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Lender excluded cents from REO mortgage payment and excluded an AMEX account which may have been a duplicate |
| 10161102 | XXX | Note Date | XXX | XXX | Confirmed XXX as XX/XX/XXXX |
| 10161102 | XXX | First Payment Date | XXX | XXX | XX/XX/XXXX is XXX per note. |
| 10161104 | XXX | Note Date | XXX | XXX | confirmed per note that XXX is XX/XX/XXXX |
| 10161104 | XXX | First Payment Date | XXX | XXX | confirmed per note XXX is XX/XX/XXXX |
| 10161104 | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | confirmed audit matches lender XXX on pi, tax, audit XXX vs lender XXX for hoi/flood. |
| 10161116 | XXX | Note Date | XXX | XXX | Per Note in file |
| 10161116 | XXX | First Payment Date | XXX | XXX | Verified with Note in file |
| 10161116 | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Per LPA results, slightly lower |
| 10161100 | XXX | Note Date | XXX | XXX | Per Note |
| 10161100 | XXX | First Payment Date | XXX | XXX | Per Note |
| 10161100 | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | Confirmed, DTI increased at audit due to taxes calculated higher (verified on Title report) and SE income for B1 calculated lower (verified on XXX 1120sa nd K-XXX in file). |
| 10161113 | XXX | Note Date | XXX | XXX | The Note reflects a date of XXX/XXX/XXX. |
| 10161113 | XXX | First Payment Date | XXX | XXX | The Note reflects a XXX of XXX/XXX/XXX. |
| 10161117 | XXX | Note Date | XXX | XXX | Per Note |
| 10161117 | XXX | First Payment Date | XXX | XXX | Per Note |
| 10161117 | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | DTI is XXX% per audit review |
| 10161118 | XXX | Note Date | XXX | XXX | Per Note |
| 10161118 | XXX | First Payment Date | XXX | XXX | Per Note |
| 9977564 | XXX | Loan ID | XXX | XXX | IT Mapping Issue |
| 9977564 | XXX | Originator Doc Type | XXX | XXX | Updated as per the Document |
| 9977564 | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | QualifyingTotalDebtIncomeRatio was confirmed with XXX |
| 9977564 | XXX | Lock Date | XXX | XXX | Updated as per the document |

---

## Exhibit 99.3

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.3 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOANID** | **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** |
| 10156352 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/19/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10156352 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/19/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10156352 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/19/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10156355 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/19/2026 | Resolved | finding-XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure required: Cure of XXX required for reduction in Lender credits. Lender credits decreased from XXX to XXX COCs provided did not provide sufficient information as to why the lender credits decreased. Cure requires PCCD, LOE, copy of refund check, and proof of mailing or valid COC. | Document Uploaded. | 01/23/2026 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.57% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.57% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10156355 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/22/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.57% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.57% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10156355 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/22/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.57% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.57% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10156359 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/19/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/22/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10156359 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/22/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10156359 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/22/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10156364 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/19/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/22/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10156364 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/22/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10156364 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/22/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10156365 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10156365 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10156365 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10156372 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/19/2026 | A |
| 10156372 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/19/2026 | A |
| 10156372 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/19/2026 | A |
| 10156353 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/19/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10156353 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10156353 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10156357 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/19/2026 | Acknowledged | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Provide updated title reflect total amount of subject lien XXX | Acknowledged, please move the loan forward to completed. | 02/09/2026 | Acknowledged and accepted as level 2/B rating. | 02/09/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 10156357 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/19/2026 | Resolved | finding-XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires PCCD, LOE, Copy of Refund Check and Proof of Delivery or Valid COC. The tolerance violation in the amount of XXX is due to decease in Lender Credit from XXX to XXX on the Final CD dated XX/XX/XXXX signed at closing. There is no COC in file to provide an explanation for this decrease. | Document Uploaded. | 01/23/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 10156357 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/19/2026 | Resolved | FPRO8998 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided within XXX% Tolerance |  |  | Initial secondary valuation does not support appraised value, additional val products supports appraisal. | 01/22/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 10156358 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/22/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10156358 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/22/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10156358 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/22/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10156361 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/19/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10156361 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/19/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10156361 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/19/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10156363 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/19/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10156363 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/19/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10156363 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/19/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10156367 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/22/2026 | Acknowledged | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Provide correct title reflecting subject lien amount of XXX | Acknowledged, please move the loan forward to completed. | 02/09/2026 | Acknowledged and accepted as level 2/B rating.; Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Provide correct title reflecting subject lien amount of XXX | 02/09/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10156367 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/22/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10156367 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10161105 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/19/2026 | Resolved | finding-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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase in Administration Fee from XXX to XXX on CD issued XX/XX/XXXX. A COC dated XX/XX/XXXX was located but it does not address why the fee was added. | Document Uploaded. | 02/10/2026 | Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B.; Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. | 02/12/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 10161105 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/19/2026 | Resolved | FCRE1479 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Provide XXX Statement for XXX account ending #XXX, consecutive Statements not provided. | Per FNMA B3-XXX-XXX, when the account is made up of stocks and mutual funds, only the most recent monthly or quarterly Statement is required. XXX months Statements are required only on depository accounts. | 01/28/2026 | Asset Record XXX Meets G/L Requirements; Client Stated, " FNMA B3-XXX-XXX, when the account is made up of stocks and mutual funds, only the most recent monthly or quarterly Statement is required. XXX months Statements are required only on depository accounts." | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 10161105 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/19/2026 | Resolved | FCRE1480 | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Provide XXX Statement for XXX account ending #XXX, consecutive Statements not provided. | Per FNMA B3-XXX-XXX, when the account is made up of stocks and mutual funds, only the most recent monthly or quarterly Statement is required. XXX months Statements are required only on depository accounts. | 01/28/2026 | Asset Record XXX Meets G/L Requirements Or Not Applicable | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 10161105 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/19/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/22/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 10161108 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/19/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing second valuation assessment, CU score of XX/XX/XXXX is greater than XXX. Provide second valuation assessment prior to the XXX. | Document Uploaded. | 02/13/2026 | Third party valuation product provided within tolerance.; HVE provided. | 02/13/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 10161108 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/19/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/22/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 10161108 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/22/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 10156374 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10156374 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/22/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10156374 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/22/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10156368 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). The loan file contains evidence of appraisal delivery, but no date of delivery is provided (pg. XXX). The file contains a signed Notice of Right to Receive Copy of Written Appraisal/Valuation, where the borrower requested to receive the appraisal report no less than XXX business days prior to the closing the loan (pg. XXX). Please provide evidence for the date of the appraisal delivery. |  |  | na; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). The loan file contains evidence of appraisal delivery, but no date of delivery is provided (pg. XXX). The file contains a signed Notice of Right to Receive Copy of Written Appraisal/Valuation, where the borrower requested to receive the appraisal report no less than XXX business days prior to the closing the loan (pg. XXX). Please provide evidence for the date of the appraisal delivery. | 02/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10156368 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10156368 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161111 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCRE4104 | Credit | Missing explanation and supporting documentation for large deposit(s) | The loan file contained the XXX bank Statements for account #XXX for proof of the XXX earnest money deposit clearing on XX/XX/XXXX. The Statement reflected a large deposit on XX/XX/XXXX in the amount of XXX from XXX. The loan file was missing the XXX Statements to source the large deposit. | Document Uploaded. I acknowledge the reviewer's comments. However, per the asset worksheet, the borrower has sufficient funds to exclude the XXX EMD and the XXX large deposit. | 02/12/2026 | Document Uploaded. I acknowledge the reviewer's comments. However, per the asset worksheet, the borrower has sufficient funds to exclude the XXX EMD and the XXX large deposit. | 02/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.94% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.94% is less than Guideline LTV of 89.99% D A |
| 10161111 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.94% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.94% is less than Guideline LTV of 89.99% D A |
| 10161111 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.94% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.94% is less than Guideline LTV of 89.99% D A |
| 10156373 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Missing proof the borrower received a copy of the appraisal prior to closing. The Acknowledgment of Receipt of Appraisal Report (pg. XXX) does not provide sufficient evidence that the appraisal was delivered to the Borrower at least XXX-business days prior to the consummation date of XX/XX/XXXX. Furthermore, the Waiver Regarding Appraisal Report (pg. XXX) reflects both boxes checked (both denying and also requesting the waiver of the XXX-day requirement), and therefore, there is no evidence that the Borrowers waived their right to receive the appraisal no less than XXX business days prior to the closing of the loan. Please provide evidence of the date of appraisal delivery. |  |  | Acknowledged, accepted as 2/B grading; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Missing proof the borrower received a copy of the appraisal prior to closing. The Acknowledgment of Receipt of Appraisal Report (pg. XXX) does not provide sufficient evidence that the appraisal was delivered to the Borrower at least XXX-business days prior to the consummation date of XX/XX/XXXX. Furthermore, the Waiver Regarding Appraisal Report (pg. XXX) reflects both boxes checked (both denying and also requesting the waiver of the XXX-day requirement), and therefore, there is no evidence that the Borrowers waived their right to receive the appraisal no less than XXX business days prior to the closing of the loan. Please provide evidence of the date of appraisal delivery. | 02/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10156373 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Acknowledged | FPRO8998 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided within XXX% Tolerance |  |  | Secondary Valuation does not support appraisal, additional valuations received | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10156373 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10156356 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/02/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10156356 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10156356 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/02/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10161103 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide evidence of Taxes and HOI for departure resident. | Document Uploaded. | 02/12/2026 | Evidence provided. | 02/13/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 10161103 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | finding-XXX | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); or The homeownership counseling organizations disclosure date is after the closing date. Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data. This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan Originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: As not being open on Sunday As not being open on Saturday PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict. Please note: This test does not validate the content of any list of homeownership counseling organizations. The loan is missing the earliest Homeownership Counseling Disclosure, issued within XXX business days of the Application date of XX/XX/XXXX. The earliest Homeownership Counseling Disclosure in file is dated XX/XX/XXXX. | Document Uploaded. | 02/11/2026 | HOC dated within XXX business days of the application provided; exception resolved; HOC dated within XXX business days of the application provided; exception resolved | 02/12/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 10161103 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | finding-XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increases or additions of the following fees : Notary Fee increased from XXX to XXX Recording Service Fee of XXX was added Settlement or Closing Fee increased from XXX to XXX Sub-Escrow Fee of XXX was added Tie-in Fee of XXX was added Title Archive Fee of XXX was added Title Endorsement Fee increased from XXX to XXX Title Processing Fee of XXX was added The loan file contains a Written List of Service Providers dated XX/XX/XXXX which is more than XXX business days after the application date of XX/XX/XXXX; therefore, title fees are tested at XXX% tolerance. | Document Uploaded. | 02/11/2026 | SSPL dated within XXX business days of the application provided; exception resolved; SSPL dated within XXX business days of the application provided; exception resolved | 02/12/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 10161103 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 10161088 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date XX/XX/XXXX is required, but missing from the file. |  |  | Acknowledged, accepted as 2/B grading; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date XX/XX/XXXX is required, but missing from the file. | 02/24/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10161088 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/02/2026 | Resolved | FCRE1146 | Credit | Title Document is Partially Present | Title Document is incomplete or only partially present. File contains incomplete copy of preliminary report, cover page and pg XXX only. | Document Uploaded. | 02/10/2026 | Title Document is fully Present.; Client provided title. ; Title Document is incomplete or only partially present. File contains incomplete copy of preliminary report, cover page and pg XXX only. | 02/11/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10161088 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE4963 | Credit | No evidence of required debt payoff | Final 1003 indicates IRS tax lien was excluded from ratios. Missing documentation regarding payoff prior to closing or debt paid by other. | Document Uploaded. | 02/10/2026 | Client provided evidence to support tax lien paid in full. | 02/11/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10161088 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Acknowledged | FPRO8998 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided within XXX% Tolerance |  |  | Secondary Valuation does not support appraisal, additional valuations received | 02/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10156371 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/29/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date XX/XX/XXXX is required, but missing from the file. |  |  | Acknowledged, accepted as 2/B grading | 02/24/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10156371 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10156371 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/02/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10156362 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/02/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10156362 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10156362 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/02/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10156369 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10156369 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10156369 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10156354 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10156354 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10156354 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10156360 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10156360 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 01/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10156360 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10156366 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10156366 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10156366 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10161089 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10161089 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10161089 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10161090 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161090 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161090 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161091 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE1486 | Credit | Asset 8 Does Not Meet Guideline Requirements | Asset 8 Does Not Meet Guideline Requirements Per Final XXX Asset documentation missing for XXX XXX XXX-XXX | Document Uploaded. | 02/09/2026 | Asset 8 Meets Guideline Requirements Or Not Applicable; Asset 8 Does Not Meet Guideline Requirements Per Final XXX Asset documentation missing for XXX XXX XXX-XXX | 02/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10161091 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE1474 | Credit | Asset 8 Missing | Asset 8 Missing Per Final 1003 and AUS Asset documentation missing for XXX XXX XXX-XXX | Document Uploaded. | 02/09/2026 | Asset 8 Provided Or Not Applicable; Statement provided. ; Asset 8 Missing Per Final 1003 and AUS Asset documentation missing for XXX XXX XXX-XXX | 02/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10161091 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10161091 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10156370 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 01/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 49.78% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.78% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10156370 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 49.78% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.78% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10156370 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/28/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 49.78% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.78% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10161115 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/28/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/29/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10161115 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/29/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10161115 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/29/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10161093 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.8% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.8% is less than Guideline CLTV of 80% A |
| 10161093 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.8% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.8% is less than Guideline CLTV of 80% A |
| 10161093 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.8% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.8% is less than Guideline CLTV of 80% A |
| 10161094 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161094 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161094 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161107 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10161107 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10161107 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10161110 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/28/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). There's no evidence of receipt the borrower received the Appraisal. | Acknowledged - Nonmaterial - we will not be providing | 02/11/2026 | ; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). There's no evidence of receipt the borrower received the Appraisal. | 02/12/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10161110 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FCRE1479 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Missing executed settlement Statement for sale of property at XXX. Unexecuted estimated settlement Statement is in file. | Document Uploaded. | 02/09/2026 | Asset Record XXX Meets G/L Requirements; Executed CD for property required included. Resolved. ; Asset Record XXX Does Not Meet G/L Requirements. Missing executed settlement Statement for sale of property at XXX Brinleighs Way. Unexecuted estimated settlement Statement is in file. | 02/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10161110 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10161112 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Acknowledged | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing | Acknowledged, please move the loan forward to completed. | 02/09/2026 | Acknowledged and accepted as level 2/B rating. | 02/09/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10161112 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Acknowledged | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Acknowledged, please move the loan forward to completed. | 02/09/2026 | Acknowledged and accepted as level 2/B rating. | 02/09/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10161112 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10161112 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10161114 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation XX/XX/XXXX, nor was a waiver provided. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Acknowledged, please move the loan forward to completed. | 02/09/2026 | Acknowledged and accepted as level 2/B rating.; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation XX/XX/XXXX, nor was a waiver provided. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | 02/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10161114 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10161114 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10156375 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Acknowledged, please move the loan forward to completed. | 02/09/2026 | Acknowledged and accepted as level 2/B rating.; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | 02/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 10156375 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 10156375 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 10161092 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/02/2026 | Acknowledged | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX The loan closed with a loan amount of XXX The title reflects coverage of XXX A title policy with sufficient coverage is required. | Acknowledged, please move the loan forward to completed. | 02/09/2026 | Acknowledged and accepted as level 2/B rating.; Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX The loan closed with a loan amount of XXX The title reflects coverage of XXX A title policy with sufficient coverage is required. | 02/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.01% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.01% is less than Guideline LTV of 89.99% A |
| 10161092 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/02/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/03/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.01% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.01% is less than Guideline LTV of 89.99% A |
| 10161092 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/03/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.01% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.01% is less than Guideline LTV of 89.99% A |
| 10161096 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/02/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/04/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10161096 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/03/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/04/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10161096 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/03/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/04/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10161098 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/02/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). There is no evidence of Appraisal delivery to the borrower at least XXX business days prior to the consummation date of XX/XX/XXXX. | Acknowledged, please move the loan forward to completed. | 02/09/2026 | Acknowledged and accepted as level 2/B rating.; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). There is no evidence of Appraisal delivery to the borrower at least XXX business days prior to the consummation date of XX/XX/XXXX. | 02/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161098 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161098 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161106 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/02/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/03/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.4% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.4% is less than Guideline LTV of 80% A |
| 10161106 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 02/03/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.4% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.4% is less than Guideline LTV of 80% A |
| 10161106 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/03/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.4% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.4% is less than Guideline LTV of 80% A |
| 10161109 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/03/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74% is less than Guideline CLTV of 89.99% A |
| 10161109 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/03/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74% is less than Guideline CLTV of 89.99% A |
| 10161109 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/03/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74% is less than Guideline CLTV of 89.99% A |
| 10161085 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/03/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161085 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/03/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161085 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/03/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161086 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/05/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/06/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65.96% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.96% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161086 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/05/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/06/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65.96% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.96% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161086 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/05/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/06/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65.96% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.96% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161095 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/05/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.93% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.93% is less than Guideline LTV of 89.99% A |
| 10161095 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.93% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.93% is less than Guideline LTV of 89.99% A |
| 10161095 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/06/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 02/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.93% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.93% is less than Guideline LTV of 89.99% A |
| 10161097 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/05/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10161097 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/06/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10161097 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10161099 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). The file does not contain documentation to show the borrower received a copy of their appraisal at or prior to consummation | Acknowledged - Nonmaterial - we will not be providing | 02/11/2026 | Acknowledged, accepting 2/B grading. |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.86% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.86% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161099 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/10/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.86% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.86% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161099 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/10/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.86% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.86% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161087 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. |  |  | Acknowledged, accepting 2/B grading. | 02/24/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.36% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.36% is less than Guideline CLTV of 89.99% A |
| 10161087 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2026 | Acknowledged | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Preliminary title report dated XX/XX/XXXX does not reflect title coverage amount. Provide title report covering loan amount coverage of XXX |  |  | Acknowledged, accepting 2/B grading. | 02/24/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.36% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.36% is less than Guideline CLTV of 89.99% A |
| 10161087 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/12/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.36% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.36% is less than Guideline CLTV of 89.99% A |
| 10161101 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. |  |  | Acknowledged, accepting 2/B grading. | 02/24/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10161101 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2026 | Acknowledged | FCRE9785 | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete The final Closing Disclosure (CD) reflects a seller credit of XXX that is not reflected in the sales contract. An addendum to the contract reflecting the credit is required. |  |  | Acknowledged, accepting 2/B grading. | 02/24/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10161101 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2026 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10161102 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to consummation date of XX/XX/XXXX. Evidence of receipt dated XX/XX/XXXX was provided, however, a XXX day waiver was not selected. |  |  | Acknowledged, accepting 2/B grading. | 02/24/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.94% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.94% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10161102 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.94% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.94% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10161102 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.94% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.94% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10161104 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10161104 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10161104 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10161116 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2026 | Acknowledged | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. |  |  | Acknowledged, accepting 2/B grading. | 02/24/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.95% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.95% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10161116 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2026 | Acknowledged | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |  |  | Acknowledged, accepting 2/B grading. | 02/24/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.95% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.95% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10161116 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/12/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.95% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.95% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10161116 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/12/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.95% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.95% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10161100 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.69% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.69% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161100 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.69% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.69% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161100 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.69% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.69% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10161113 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. |  |  | Acknowledged, accepting 2/B grading. | 02/24/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 10161113 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2026 | Acknowledged | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing |  |  | Acknowledged, accepting 2/B grading. | 02/24/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 10161113 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 10161113 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 02/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 10161117 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.45% is less than Guideline CLTV of 89.9% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65.45% is less than Guideline LTV of 89.9% A |
| 10161117 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.45% is less than Guideline CLTV of 89.9% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65.45% is less than Guideline LTV of 89.9% A |
| 10161117 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.45% is less than Guideline CLTV of 89.9% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65.45% is less than Guideline LTV of 89.9% A |
| 10161118 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. |  |  | Acknowledged, accepting 2/B grading. | 02/24/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10161118 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/16/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10161118 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/16/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 9977564 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/08/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). The document in file indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation since they chose to waive the XXX days right to receive the appraisal. Since the document doesn't indicate which option the borrower is signing to acknowledge, provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely | Document Uploaded. Appraisal delivery | 12/15/2025 | Evidence of appraisal delivery provided. | 12/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9977564 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/05/2025 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. Photo Identification is required | Document Uploaded. | 12/16/2025 | Photo Identification provided.; ID provided | 12/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9977564 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/05/2025 | Resolved | FCRE0387 | Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. Photo Identification is required | Document Uploaded. | 12/16/2025 | Photo Identification provided.; ID provided | 12/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9977564 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Provide corrected Final 1003 for borrower. Subject property is a 2nd Home property transaction; however, the borrower selected they will occupy the property as their primary residence. | Document Uploaded. | 12/16/2025 | The Final 1003 is Present; updated 1003 | 12/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9977564 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 12/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |

---

## Exhibit 99.3

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.3 - Schedule 3**

---

| | | |
|:---|:---|:---|
| **LOANID** | **Investor Loan ID** | **Original Loan Amount** |
| 10156352 |  | $XXXXXX A |
| 10156355 |  | $XXXXXX A C |
| 10156359 |  | $XXXXXX A |
| 10156364 |  | $XXXXXX A |
| 10156365 |  | $XXXXXX A |
| 10156372 |  | $XXXXXX A |
| 10156353 |  | $XXXXXX A |
| 10156357 |  | $XXXXXX B C A |
| 10156358 |  | $XXXXXX A |
| 10156361 |  | $XXXXXX A |
| 10156363 |  | $XXXXXX A |
| 10156367 |  | $XXXXXX B A |
| 10161105 |  | $XXXXXX C A |
| 10161108 |  | $XXXXXX A C |
| 10156374 |  | $XXXXXX A |
| 10156368 |  | $XXXXXX A B |
| 10161111 |  | $XXXXXX D A |
| 10156373 |  | $XXXXXX A B C |
| 10156356 |  | $XXXXXX A |
| 10161103 |  | $XXXXXX D C A |
| 10161088 |  | $XXXXXX D B C A |
| 10156371 |  | $XXXXXX A B |
| 10156362 |  | $XXXXXX A |
| 10156369 |  | $XXXXXX A |
| 10156354 |  | $XXXXXX A |
| 10156360 |  | $XXXXXX A |
| 10156366 |  | $XXXXXX A |
| 10161089 |  | $XXXXXX A |
| 10161090 |  | $XXXXXX A |
| 10161091 |  | $XXXXXX D A |
| 10156370 |  | $XXXXXX A |
| 10161115 |  | $XXXXXX A |
| 10161093 |  | $XXXXXX A |
| 10161094 |  | $XXXXXX A |
| 10161107 |  | $XXXXXX A |
| 10161110 |  | $XXXXXX C B A |
| 10161112 |  | $XXXXXX A B |
| 10161114 |  | $XXXXXX A B |
| 10156375 |  | $XXXXXX A B |
| 10161092 |  | $XXXXXX B A |
| 10161096 |  | $XXXXXX A |
| 10161098 |  | $XXXXXX A B |
| 10161106 |  | $XXXXXX A |
| 10161109 |  | $XXXXXX A |
| 10161085 |  | $XXXXXX A |
| 10161086 |  | $XXXXXX A |
| 10161095 |  | $XXXXXX A |
| 10161097 |  | $XXXXXX A |
| 10161099 |  | $XXXXXX A B |
| 10161087 |  | $XXXXXX B A |
| 10161101 |  | $XXXXXX B A |
| 10161102 |  | $XXXXXX A B |
| 10161104 |  | $XXXXXX A |
| 10161116 |  | $XXXXXX A B |
| 10161100 |  | $XXXXXX A |
| 10161113 |  | $XXXXXX A B |
| 10161117 |  | $XXXXXX A |
| 10161118 |  | $XXXXXX A B |
| 9977564 |  | $XXXXXX D B A |

---

## Exhibit 99.3

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.3 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOANID** | **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** | **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** |
| 10156352 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.61 | 67.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 10156355 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.57 | 68.57 | $XXX | $XXX | -.0034 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0034 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 10156359 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10156364 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0066 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0066 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| 10156365 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10156372 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 10156353 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 10156357 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.86 | 64.86 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1049 | 94.0 | 0.6 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 10156358 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0073 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0073 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 10156361 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 10156363 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10156367 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.51 | 54.51 | $XXX | $XXX | -.0284 | 1004 URAR |  |  |  |  | $XXX | $XXX | -.0284 | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | -.0134 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 10161105 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0256 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0256 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 10161108 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .1093 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .1093 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 10156374 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0482 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0482 | 96.0 | 0.4 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 10156368 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0046 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 10161111 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.94 | 73.94 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 10156373 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1041 | 85.0 | 0.15 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 10156356 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.51 | 79.51 | $XXX | $XXX | .0720 | AVM |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | .0720 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 10161103 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10161088 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.4768 | 89.0 | 0.11 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 10156371 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 10156362 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10156369 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1429 | 84.0 | 0.16 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 10156354 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0260 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0260 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10156360 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10156366 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 10161089 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 10161090 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0413 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0413 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 10161091 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 10156370 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 49.78 | 49.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 10161115 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0191 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0191 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 10161093 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.8 | 58.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 10161094 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 10161107 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.9 |  |
| 10161110 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0852 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0852 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 10161112 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0284 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0284 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 10161114 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.47 | 67.47 | $XXX | $XXX | -.1143 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1143 | 87.0 | 0.13 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 10156375 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.42 | 74.42 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 10161092 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.01 | 68.01 | $XXX | $XXX | -.0531 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0531 | 78.0 | 0.22 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 10161096 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | -.0257 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0257 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 10161098 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10161106 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.4 | 68.4 | $XXX | $XXX | -.0888 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0888 | 89.0 | 0.11 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 10161109 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.0 | 74.0 | $XXX | $XXX | -.0758 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0758 | 92.0 | 0.8 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10161085 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0670 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0670 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 10161086 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.96 | 65.96 | $XXX | $XXX | -.0252 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0252 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 10161095 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.93 | 54.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 10161097 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 10161099 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.86 | 69.86 | $XXX | $XXX | -.0765 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0765 | 92.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 10161087 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.36 | 73.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 10161101 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0246 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0246 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 10161102 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.94 | 64.94 | $XXX | $XXX | -.0015 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0015 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 10161104 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .1311 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .1311 | 80.0 | 0.2 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 10161116 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.95 | 61.95 | $XXX | $XXX | .1055 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .1055 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 10161100 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.69 | 62.69 | $XXX | $XXX | -.0300 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0300 | 84.0 | 0.16 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.9 |  |
| 10161113 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0175 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0175 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 10161117 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.45 | 65.45 | $XXX | $XXX | -.0252 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0252 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 10161118 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.89 | 74.89 | $XXX | $XXX | -.0551 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0551 | 92.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 9977564 |  | 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 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |

---

## Exhibit 99.4

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.4**

![](ex994001.jpg)

**Selene Diligence LLC ("Selene") Due <br> Diligence Review Narrative ("Report")**

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

**DESCRIPTION OF SERVICES:**

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

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Morgan Stanley Mortgage Capital Holdings LLC and/or its affiliates ("Client"). The review was conducted between December 09 2025 and February 25 2026, via files imaged and provided for review (the "Review").

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

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population of 156 QM loans for a total of 156 loans (the "Final Securitization Population").

*<u>Credit Reviews (156):</u>*

During the Review, Selene performed a credit review on 156 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (156):</u>*

During the Review, Selene performed a compliance review, when applicable on 156 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (156):</u>*

During the Review, Selene performed a property valuation review on 156 mortgage loans in the Final SecuritizationPopulation.

*<u>Data Integrity Review (156):</u>*

During the Review, Selene performed a Data Integrity Review on 156 mortgage loans in the Final Securitization Population.

MSRM 2026-1 Executive Summary (Selene Diligence)

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

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 156 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;156<br>| &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;156 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;156 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;156 | &nbsp;&nbsp;100% |

---

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

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

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

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

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

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

**<u>GUIDELINES</u>**

AUS Jumbo Product Profile, Desktop Underwriter, Loan Product Advisor (the "Guidelines").

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

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

MSRM 2026-1 Executive Summary (Selene Diligence)

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

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

**CREDIT REVIEW**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the Automated Underwriting System output, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that are provided to Selene and/or as directed by Client.

**COMPLIANCE REVIEW**

Selene's compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

**PROPERTY VALUATION REVIEW**

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

● **Original Appraisal Assessment** 

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

● **Value Supported Analysis** 

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

**DATA INTEGRITY REVIEW**

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

● Tape data received from lender/client is stored in a secured FTP folder;

● Tape data is uploaded into the application;

● Loan Reviewer collects validated loan data;

● Each received data point is compared to its counterpart collected data point; and

● Discrepancies found during comparison are stored and reported.

MSRM 2026-1 Executive Summary (Selene Diligence)

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

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

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

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 156 mortgage loans, (ii) a Compliance Review on 156 mortgage loans (iii) a Valuation Review on 156 mortgage loans, and (iv) a Data Integrity Review on 156 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 156 mortgage loans; 151 mortgage loans had a rating grade of A, 5 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; ***Grades per loan (156 overall loans):*** | &nbsp;&nbsp; ***Grades per loan (156 overall loans):*** | &nbsp;&nbsp; ***Grades per loan (156 overall loans):*** | &nbsp;&nbsp; ***Grades per loan (156 overall loans):*** | &nbsp;&nbsp; ***Grades per loan (156 overall loans):*** | &nbsp;&nbsp; ***Grades per loan (156 overall loans):*** |  |  |  |  |  |
| | | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Moodys** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Moodys** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;70 | &nbsp;&nbsp;70 | &nbsp;&nbsp;44.87% | &nbsp;&nbsp;A | &nbsp;&nbsp;151 | &nbsp;&nbsp;151 | &nbsp;&nbsp;151 | &nbsp;&nbsp;151 | &nbsp;&nbsp;151 | &nbsp;&nbsp;96.79% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.64% | &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.21% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;32 | &nbsp;&nbsp;32 | &nbsp;&nbsp;20.51% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;53 | &nbsp;&nbsp;53 | &nbsp;&nbsp;33.97% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** |  |  |
|  |  | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** |  |  | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Moodys** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**Moodys** | &nbsp;&nbsp;**Moodys** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;153 | &nbsp;&nbsp;153 | &nbsp;&nbsp;98.08% | &nbsp;&nbsp;154 | &nbsp;&nbsp;154 | &nbsp;&nbsp;154 | &nbsp;&nbsp;154 | &nbsp;&nbsp;154 | &nbsp;&nbsp;98.72% | &nbsp;&nbsp;98.72% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.92% | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.28% | &nbsp;&nbsp;1.28% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

MSRM 2026-1 Executive Summary (Selene Diligence)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Moodys** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;156 | &nbsp;&nbsp;156 | &nbsp;&nbsp;156 | &nbsp;&nbsp;156 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

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

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

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

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

MSRM 2026-1 Executive Summary (Selene Diligence)

make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

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

Selene furnished the following reports on this transaction:

1. Selene
Narrative Report

2. ASF
Report

3. Grading
Summary

4. Exception
Detail

5. Tape
Discrepancies

6. Valuations
Report

7. Supplemental
Data

8. Third
Party (TPR) Attestation Form

9. Attestation
Form 15E

MSRM 2026-1 Executive Summary (Selene Diligence)

**APPENDIX A**

 **QM AND AGENCY ELIGBLE SCOPE**

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

**I. Credit Review**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the Automated Underwriting System output, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that are provided to Selene and/or as directed by Client.

**Credit Application**

For the Credit Application, Selene verifed whether the borrower information on the application matches the information listed on the Automated Underwriting System output.

**Credit Report**

Selene verified:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather
 liabilities listed on the report to be included in the debt to income ratio as appropriate;
 and

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm
 that FICO scores on Automated Underwriting System output match credit report in file.

**Employment and Income**

Selene determined whether all applicable documentation to support income included on Automated Underwriting System output is included in file.

**Asset Review**

Selene assessed whether the asset documentation shown on the Automated Underwriting System output was present in the file.

**Hazard/Flood insurance** 

A review of the insurance present on the loan will also be performed, as applicable:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verified
 that the hazard insurance meets the minimum required amount of coverage shown on the
 Automated Underwriting System output;

&nbsp;&nbsp;&nbsp;&nbsp;2. Confirmed
 that the flood cert is for the correct borrower, property, lender and loan number and
 is a "Life of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;3. For
 properties in a flood zone per the flood cert, confirmed that flood insurance meets guideline
 requirements in the file and meets the minimum required amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;4. Confirmed
 that the mortgagee clause lists the lender's name and "its successors and
 assigns"; and

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirmed
 that the premium amount on both the hazard and flood insurance match what was used in
 the DTI calculations.

MSRM 2026-1 Executive Summary (Selene Diligence)

**DU/LP Review Components (as applicable)**

The most current DU/LP form provided in the loan file was be reviewed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Confirmed
 and capture recommendation;

&nbsp;&nbsp;&nbsp;&nbsp;2. Verified
 that red flags listed on the DU/LP were addressed by the underwriter;

&nbsp;&nbsp;&nbsp;&nbsp;3. All
 listed credit conditions were cleared by the underwriter; and

&nbsp;&nbsp;&nbsp;&nbsp;4. The
 final DU/LP in the file contains data that matches the data gathered from documents in
 the file.

**Title**

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

**Fraud**

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

On this report Selene:

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed
 all red flag issues.

**II. Compliance Review**

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

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

MSRM 2026-1 Executive Summary (Selene Diligence)

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

---

| | | |
|:---|:---|:---|
| | i) | APR threshold test; and |
| | ii) | compliance with the escrow account and appraisal requirements. |
| f) | <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> | <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> |

---

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

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

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

j) <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;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.

MSRM 2026-1 Executive Summary (Selene Diligence)

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

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

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

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

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

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

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

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

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;&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> 

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

---

| | |
|:---|:---|
| i) | confirm the presence of the Servicing Disclosure Statement form in the 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; |
| 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)<br>ix) | confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing.<br>confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application; and |

---

MSRM 2026-1 Executive Summary (Selene Diligence)

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.

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

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

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

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

iii) confirm that certain sections of each LE determined to carry assignee liability were 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;

v) confirm if the file indicates a fee was imposed, other than for a credit report, prior to borrower receiving LE and indicating an intent to proceed with the transaction;

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

vii) 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;

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

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

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

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

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

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

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

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

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

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 are discussing 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 industry group proposal.)

MSRM 2026-1 Executive Summary (Selene Diligence)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;**4.** **Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) the
 general Ability to Repay 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 (12 C.F.R. 1026.43(e) (including qualified mortgages as defined by the Department
 of Housing and Urban Development (24 C.F.R. 201 and 203 <u>et seq. and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.</u> *)*; and

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

Selene 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). Selene determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, Selene notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, Selene 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, Selene reviewed 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.

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, Selene reviewed the mortgage loan to determine whether, based on available information in the file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph. In addition, Selene reviews the Automated Underwriting System output within the file to confirm agency eligibility.

MSRM 2026-1 Executive Summary (Selene Diligence)

For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, Selene then determined 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, Selene 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>**

Selene reviewed 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.

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

&nbsp;&nbsp;&nbsp;&nbsp;**5.** **The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:** 

Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):

&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.

MSRM 2026-1 Executive Summary (Selene Diligence)

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

**7.** **Recording Review** 

Selene noted the presence of recorded documents, when available. Selene verifed that documents in the file (most typically closing instructions) include 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.

**8.** **Valuation Review** 

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene will verify the appraisal report was (i) on the appropriate GSE form; (ii) materially complete; (iii) in conformity with the guideline requirements for the property type in question; (iv) completed by an appraiser that was actively licensed to perform the valuation; (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA; (vi) made and signed prior to the final approval of the mortgage loan application; (vii) completed and dated within the guidelines restrictions; 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.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene shall 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 Selene's review results in a variance of more than 10% then the Client was notified of such variance and an additional independent valuation product shall be ordered. On all loans, Selene made a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

**III. Title Review**

To facilitate this review, the Client provided Selene with identifying data on the subject population of mortgage loans, including (i) mortgage loan and servicer identification numbers, (ii) subject property address, (iii) borrower names, (iv) origination date, (v) original mortgage loan amount for the subject mortgage, and (vi) title policies from origination as it relates to the subject mortgage. Using the data provided, Selene will order a current owner's title search on these mortgage loans through a service provider. Upon receipt and review of the current owner's title search results, Selene identified whether or not the title search report revealed any liens and/or judgments which could affect the seniority of the subject mortgage, including potentially superior post origination liens and/or judgments as well as subject mortgage not of record.

MSRM 2026-1 Executive Summary (Selene Diligence)

**IV. Collateral Review**

Selene reviewed each mortgage loan file and verify whether the following documents, if applicable, are included in the file and if the data on these documents is consistent (where applicable):

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

&nbsp;&nbsp;&nbsp;&nbsp;b) Title/Preliminary
 Title;

&nbsp;&nbsp;&nbsp;&nbsp;c) Final
 1003;

&nbsp;&nbsp;&nbsp;&nbsp;d) Right
 of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;e) Mortgage/Deed
 of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;f) Note;

&nbsp;&nbsp;&nbsp;&nbsp;g) Mortgage
 Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;h) Subordination
 Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;i) Initial
 and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;j) Final
 HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;k) Initial,
 interim and final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;l) Loan
 Estimates; and

&nbsp;&nbsp;&nbsp;&nbsp;m) Closing
 Disclosures.

MSRM 2026-1 Executive Summary (Selene Diligence)

## Exhibit 99.4

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.4 - Schedule 1**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 9983912 |  | 9983912 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9983915 |  | 9983915 | XXXX | GSE Eligible Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 9983915 |  | 9983915 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9983916 |  | 9983916 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9983916 |  | 9983916 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | XXXX |
| 9983916 |  | 9983916 | XXXX | GSE Eligible Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 9983916 |  | 9983916 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9983917 |  | 9983917 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | XXXX |
| 9983917 |  | 9983917 | XXXX | GSE Eligible Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 9983918 |  | 9983918 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9983918 |  | 9983918 | XXXX | GSE Eligible Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 9983920 |  | 9983920 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9983920 |  | 9983920 | XXXX | GSE Eligible Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 9983921 |  | 9983921 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9983921 |  | 9983921 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | XXXX |
| 9983921 |  | 9983921 | XXXX | GSE Eligible Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 9983922 |  | 9983922 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9983923 |  | 9983923 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9983923 |  | 9983923 | XXXX | GSE Eligible Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 9983924 |  | 9983924 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9983924 |  | 9983924 | XXXX | Property Rights | titlePage | XXXX | XXXX | XXXX |
| 9983924 |  | 9983924 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | XXXX |
| 9983924 |  | 9983924 | XXXX | GSE Eligible Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 9983925 |  | 9983925 | XXXX | Mortgage Origination Channel | the1003Page | XXXX | XXXX | XXXX |
| 9983925 |  | 9983925 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9983925 |  | 9983925 | XXXX | Property Rights | titlePage | XXXX | XXXX | XXXX |
| 9983925 |  | 9983925 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | XXXX |
| 9983926 |  | 9983926 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9983926 |  | 9983926 | XXXX | GSE Eligible Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 9983927 |  | 9983927 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9983927 |  | 9983927 | XXXX | Property Rights | titlePage | XXXX | XXXX | XXXX |
| 9983927 |  | 9983927 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9983927 |  | 9983927 | XXXX | GSE Eligible Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 9983928 |  | 9983928 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9983928 |  | 9983928 | XXXX | Property Rights | titlePage | XXXX | XXXX | XXXX |
| 9983928 |  | 9983928 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9983928 |  | 9983928 | XXXX | GSE Eligible Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 9983929 |  | 9983929 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9983929 |  | 9983929 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9983929 |  | 9983929 | XXXX | GSE Eligible Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 9983930 |  | 9983930 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9983930 |  | 9983930 | XXXX | Property Rights | titlePage | XXXX | XXXX | XXXX |
| 9983930 |  | 9983930 | XXXX | GSE Eligible Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 9983931 |  | 9983931 | XXXX | Loan Amount | notePage | XXXX | XXXX | XXXX |
| 9983931 |  | 9983931 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9983931 |  | 9983931 | XXXX | Refinance Type | the1003Page | XXXX | XXXX | XXXX |
| 9983931 |  | 9983931 | XXXX | Property Rights | titlePage | XXXX | XXXX | XXXX |
| 9983932 |  | 9983932 | XXXX | Loan Amount | notePage | XXXX | XXXX | XXXX |
| 9983932 |  | 9983932 | XXXX | Property Rights | titlePage | XXXX | XXXX | XXXX |
| 9983932 |  | 9983932 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | XXXX |
| 9983932 |  | 9983932 | XXXX | GSE Eligible Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 9983933 |  | 9983933 | XXXX | Property Rights | titlePage | XXXX | XXXX | XXXX |
| 9983933 |  | 9983933 | XXXX | GSE Eligible Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 9983934 |  | 9983934 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9983934 |  | 9983934 | XXXX | Property Rights | titlePage | XXXX | XXXX | XXXX |
| 9983934 |  | 9983934 | XXXX | GSE Eligible Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 9983935 |  | 9983935 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9983935 |  | 9983935 | XXXX | Property Rights | titlePage | XXXX | XXXX | XXXX |
| 9983935 |  | 9983935 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 9983935 |  | 9983935 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9983935 |  | 9983935 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 9983936 |  | 9983936 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9983936 |  | 9983936 | XXXX | All Borrower Total Income | the1003Page | XXXX | XXXX | XXXX |
| 9983936 |  | 9983936 | XXXX | Mortgage Origination Channel | the1003Page | XXXX | XXXX | XXXX |
| 9983936 |  | 9983936 | XXXX | Loan Amount | notePage | XXXX | XXXX | XXXX |
| 9983936 |  | 9983936 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | XXXX |
| 9983936 |  | 9983936 | XXXX | GSE Eligible Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 9983936 |  | 9983936 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9983938 |  | 9983938 | XXXX | Mortgage Origination Channel | the1003Page | XXXX | XXXX | XXXX |
| 9983938 |  | 9983938 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9983938 |  | 9983938 | XXXX | GSE Eligible Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 9983938 |  | 9983938 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9983939 |  | 9983939 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 9983939 |  | 9983939 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9983939 |  | 9983939 | XXXX | GSE Eligible Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 9984822 |  | 9984822 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9984822 |  | 9984822 | XXXX | Property Rights | titlePage | XXXX | XXXX | XXXX |
| 9984822 |  | 9984822 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9984822 |  | 9984822 | XXXX | GSE Eligible Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 10110582 |  |  | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| 10110592 |  |  | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | XXXX |
| 10110600 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 10110604 |  |  | XXXX | Borrower 2 Last Name | notePage | XXXX | XXXX | XXXX |
| 10146721 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 10146723 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 10146726 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 10146758 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 10065336 |  |  | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| 10065296 |  |  | XXXX | Borrower 2 Birthdate | the1003Page | XXXX | XXXX | XXXX |
| 10065296 |  |  | XXXX | Borrower 1 Birthdate | the1003Page | XXXX | XXXX | XXXX |
| 10065205 |  |  | XXXX | Borrower 2 Birthdate | the1003Page | XXXX | XXXX | XXXX |
| 10065205 |  |  | XXXX | Borrower 1 Birthdate | the1003Page | XXXX | XXXX | XXXX |
| 10065268 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 10065258 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |

---

## Exhibit 99.4

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.4 - Schedule 2**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 9983912 |  | 9983912 | XXXX A |
| 9983913 |  | 9983913 | XXXX D A |
| 9983914 |  | 9983914 | XXXX A |
| 9983915 |  | 9983915 | XXXX D C A |
| 9983916 |  | 9983916 | XXXX D A |
| 9983917 |  | 9983917 | XXXX A |
| 9983918 |  | 9983918 | XXXX A |
| 9983919 |  | 9983919 | XXXX C A B |
| 9983920 |  | 9983920 | XXXX A |
| 9983921 |  | 9983921 | XXXX A |
| 9983922 |  | 9983922 | XXXX A |
| 9983923 |  | 9983923 | XXXX C A |
| 9983924 |  | 9983924 | XXXX A |
| 9983925 |  | 9983925 | XXXX A |
| 9983926 |  | 9983926 | XXXX A |
| 9983927 |  | 9983927 | XXXX C A |
| 9983928 |  | 9983928 | XXXX A |
| 9983929 |  | 9983929 | XXXX D A |
| 9983930 |  | 9983930 | XXXX A |
| 9983931 |  | 9983931 | XXXX C A |
| 9983932 |  | 9983932 | XXXX A |
| 9983933 |  | 9983933 | XXXX A |
| 9983934 |  | 9983934 | XXXX C A |
| 9983935 |  | 9983935 | XXXX A C |
| 9983936 |  | 9983936 | XXXX C A B |
| 9983938 |  | 9983938 | XXXX A |
| 9983939 |  | 9983939 | XXXX A |
| 9984822 |  | 9984822 | XXXX A |
| 10110559 |  |  | XXXX A |
| 10110560 |  |  | XXXX A C |
| 10110561 |  |  | XXXX C A |
| 10110562 |  |  | XXXX A |
| 10110563 |  |  | XXXX A |
| 10110565 |  |  | XXXX D C A |
| 10110566 |  |  | XXXX C A |
| 10110567 |  |  | XXXX A |
| 10110568 |  |  | XXXX A |
| 10110569 |  |  | XXXX A |
| 10110570 |  |  | XXXX A |
| 10110571 |  |  | XXXX D A |
| 10110572 |  |  | XXXX A |
| 10110573 |  |  | XXXX A |
| 10110574 |  |  | XXXX A |
| 10110575 |  |  | XXXX A |
| 10110576 |  |  | XXXX A D |
| 10110577 |  |  | XXXX A |
| 10110578 |  |  | XXXX A |
| 10110579 |  |  | XXXX A C |
| 10110580 |  |  | XXXX A |
| 10110581 |  |  | XXXX A |
| 10110582 |  |  | XXXX C A |
| 10110583 |  |  | XXXX A |
| 10110584 |  |  | XXXX D A |
| 10110585 |  |  | XXXX C A |
| 10110586 |  |  | XXXX A |
| 10110587 |  |  | XXXX A C |
| 10110588 |  |  | XXXX A |
| 10110589 |  |  | XXXX A |
| 10110590 |  |  | XXXX A |
| 10110591 |  |  | XXXX A |
| 10110592 |  |  | XXXX A |
| 10110593 |  |  | XXXX A |
| 10110594 |  |  | XXXX A |
| 10110595 |  |  | XXXX D A |
| 10110596 |  |  | XXXX A |
| 10110597 |  |  | XXXX A |
| 10110598 |  |  | XXXX A C |
| 10110599 |  |  | XXXX A D |
| 10110600 |  |  | XXXX C A |
| 10110601 |  |  | XXXX A |
| 10110603 |  |  | XXXX C A |
| 10110604 |  |  | XXXX A |
| 10110606 |  |  | XXXX C A |
| 10110608 |  |  | XXXX B A |
| 10110609 |  |  | XXXX A |
| 10110610 |  |  | XXXX D C A |
| 10110611 |  |  | XXXX A |
| 10110612 |  |  | XXXX D A |
| 10110613 |  |  | XXXX A C |
| 10110614 |  |  | XXXX C D A |
| 10110615 |  |  | XXXX A D |
| 10110616 |  |  | XXXX A C |
| 10110617 |  |  | XXXX A |
| 10146712 |  |  | XXXX A |
| 10146713 |  |  | XXXX A |
| 10146714 |  |  | XXXX A |
| 10146715 |  |  | XXXX A |
| 10146716 |  |  | XXXX D A |
| 10146717 |  |  | XXXX D A |
| 10146718 |  |  | XXXX D A |
| 10146719 |  |  | XXXX C A |
| 10146720 |  |  | XXXX D A |
| 10146721 |  |  | XXXX D A |
| 10146722 |  |  | XXXX D A |
| 10146723 |  |  | XXXX A |
| 10146724 |  |  | XXXX A |
| 10146725 |  |  | XXXX D A |
| 10146726 |  |  | XXXX D A |
| 10146727 |  |  | XXXX D A |
| 10146728 |  |  | XXXX A |
| 10146729 |  |  | XXXX D A |
| 10146730 |  |  | XXXX D A |
| 10146731 |  |  | XXXX D A |
| 10146732 |  |  | XXXX D A |
| 10146733 |  |  | XXXX A |
| 10146734 |  |  | XXXX A |
| 10146735 |  |  | XXXX D A |
| 10146736 |  |  | XXXX D A |
| 10146737 |  |  | XXXX D A |
| 10146738 |  |  | XXXX A D B |
| 10146739 |  |  | XXXX D A |
| 10146740 |  |  | XXXX D A B |
| 10146741 |  |  | XXXX A |
| 10146742 |  |  | XXXX D A |
| 10146743 |  |  | XXXX A C |
| 10146744 |  |  | XXXX A |
| 10146745 |  |  | XXXX A |
| 10146746 |  |  | XXXX A |
| 10146747 |  |  | XXXX D C A |
| 10146748 |  |  | XXXX D C A |
| 10146749 |  |  | XXXX C A |
| 10146750 |  |  | XXXX D A |
| 10146751 |  |  | XXXX A C |
| 10146752 |  |  | XXXX A C |
| 10146753 |  |  | XXXX D C A |
| 10146754 |  |  | XXXX D C A |
| 10146755 |  |  | XXXX D A |
| 10146756 |  |  | XXXX D C A |
| 10146757 |  |  | XXXX D C A |
| 10146758 |  |  | XXXX A C |
| 10146759 |  |  | XXXX D C A |
| 10146760 |  |  | XXXX A C |
| 10146761 |  |  | XXXX C D A |
| 10146763 |  |  | XXXX A C |
| 10146764 |  |  | XXXX C D A |
| 10146765 |  |  | XXXX D C A |
| 10146766 |  |  | XXXX C A |
| 10146767 |  |  | XXXX C D A |
| 10146768 |  |  | XXXX C D A |
| 10146769 |  |  | XXXX D C A |
| 10146770 |  |  | XXXX A C |
| 10065336 |  |  | XXXX D A |
| 10065296 |  |  | XXXX D A |
| 10065205 |  |  | XXXX D C A |
| 10065170 |  |  | XXXX A C |
| 10065315 |  |  | XXXX A |
| 10065198 |  |  | XXXX D A |
| 10065169 |  |  | XXXX C A |
| 10065340 |  |  | XXXX A |
| 10065251 |  |  | XXXX A |
| 10065268 |  |  | XXXX A |
| 10065329 |  |  | XXXX A |
| 10065162 |  |  | XXXX A |
| 10065258 |  |  | XXXX A |
| 10065257 |  |  | XXXX A |
| 10065213 |  |  | XXXX A |

---

## Exhibit 99.4

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.4 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | 9983913 |  | 9983913 | Closed | 2025-12-19 13:36 | 2026-01-23 08:21 | Resolved | 1 - Information C A | Credit | Assets | Asset 7 Does Not Meet Guideline Requirements | Resolved-Asset X Meets XXXXXXXXX XXXXXXXX XXXXXXXXXXXX Or Not XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Invalid - this gift letter was also provided in the original submission - XXXXXX-XX/XX/XXXX <br>Open-Asset X Does Not Meet XXXXXXXXX XXXXXXXX XXXXXXXXXXXX Escrow Wire Receipt Donor of Gift $XX,XXX however Gift Letter $XX,XXX. Please provide amended Gift letter for $XX,XXX and XXXX, XX Gift $XX,XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Invalid - this gift letter was also provided in the original submission - XXXXXX-XX/XX/XXXX<br>| Resolved-Asset X Meets XXXXXXXXX XXXXXXXX XXXXXXXXXXXX Or Not XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6713828 | N/A | N/A |
| XXXX | 9983913 |  | 9983913 | Closed | 2025-12-18 21:16 | 2026-01-23 00:20 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title coverage is less than loan amount, provided updated Title document, changes made in system, Finding Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXXX is Less than Loan Amount Provide Title Supplemental Report with updated title coverage amount of $X,XXX,XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Title coverage is less than loan amount, provided updated Title document, changes made in system, Finding Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6698900 | N/A | N/A |
| XXXX | 9983913 |  | 9983913 | Closed | 2025-12-19 13:59 | 2026-01-20 08:22 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX and XX Submission #XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Counter-Only Gift letter uploaded. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Escrow Wire Receipt Donor of Gift $XX,XXX however Gift Letter $XX,XXX. Please provide amended Gift letter for $XX,XXX and XXXX, XX Gift $XX,XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-XXXX and XX Submission #XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6714342 | N/A | N/A |
| XXXX | 9983915 |  | 9983915 | Closed | 2025-12-19 11:37 | 2026-01-08 13:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Validation Resolved' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-VOR/VOM Doc Status should not be 'Missing'. Borrowers living in rent house from last three months in "XXXX XXXXXXXXX XXXXXX' earlier livid in rent house of 'XXXX XXXXXXXXX XXXXX XXXXXXXXX' for X years. Borrower X was paying $X,XXX in rents at their current residence. There is no VOR or sufficient history of payments in the file. Borrower X was living at the same residence rent free. There is no letter in the file that supports that. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Validation Resolved' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 6709954 | N/A | N/A |
| XXXX | 9983915 |  | 9983915 | Closed | 2025-12-19 03:21 | 2026-01-08 13:46 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXXX.XX(e)(X); XX XXX XXXXX.XX(e)(X); XX XXX XXXXX.XX(f)(X)(v)). Discount point fee of $XX,XXX.XX has been added under initial CD but COC is missing in file. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  | Unable to locate the COC to support this change. Please provide. | XXXX | Primary Residence | Purchase | NA | 6700599 | N/A | N/A |
| XXXX | 9983915 |  | 9983915 | Closed | 2025-12-19 03:21 | 2026-01-08 13:43 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XX,XXX.XX). The Last CD shows a total lender credit amount of ($X.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX XXX XXXXX.XX(f)(X)(v); XX XXX XXXXX.XX(g)(X); XX XXX XXXXX.XX(h)). Lender credit s has been increased from revised LE(-$XX,XXX) to initial CD ($X) but we have no COC in file, need COC for the lender credits.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6700598 | N/A | N/A |
| XXXX | 9983916 |  | 9983916 | Closed | 2025-12-19 05:19 | 2026-01-09 02:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Updated XXXX & XXXX provided. Tax now matching with provided XXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Evidence of Property Tax is present - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Provided monthly tax $XXX.XX is not matching with XXXX and final CD $X,XXX.XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated XXXX & XXXX provided. Tax now matching with provided XXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Evidence of Property Tax is present - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6701455 | N/A | N/A |
| XXXX | 9983919 |  | 9983919 | Closed | 2025-12-10 03:10 | 2026-01-28 11:01 | Resolved | 2 - Non-Material B | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved- - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Rescinded- - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXXXXXX). The Last CD shows a total lender credit amount of (XXXXXXXX). The following fees "lender credits" have decreased below their baseline amounts (XXXXXXXXXXXXXXXXXXXX). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXXXXXXXXXXXXXX(XXXXXXXXX) and comments XX(XXXXXXXXX)-X and - X; XX XXX XXXXXXXXXXXXXXXX(XXXXXXXXX); XX XXX XXXXXXXXXXXXXXXX(XXXXXXXX); XX XXX XXXXXXXXXXXXXXXX(XXXXXXXX)). - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-letter to borrower to cure with principle curtailment and updated CD in file - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-cured by lender/resolved - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cure - XXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXXXXXX). The Last CD shows a total lender credit amount of (XXXXXXXX). The following fees "lender credits" have decreased below their baseline amounts (XXXXXXXXXXXXXXXXXXXXXXXXXX, XXXXXXXXXXXXXXXXXXXX). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXXXXXXXXXXXXXX(XXXXXXXXX) and comments XX(XXXXXXXXX)-X and - X; XX XXX XXXXXXXXXXXXXXXX(XXXXXXXXX); XX XXX XXXXXXXXXXXXXXXX(XXXXXXXX); XX XXX XXXXXXXXXXXXXXXX(XXXXXXXX)). Lender credit s has been decreased from revised LE XXXX to XXXXXXXX in final CD but COC is missing in file. - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. cure - XXXXXX-XX/XX/XXXX<br>| Resolved-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXXXXXX). The Last CD shows a total lender credit amount of (XXXXXXXX). The following fees "lender credits" have decreased below their baseline amounts (XXXXXXXXXXXXXXXXXXXX). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXXXXXXXXXXXXXX(XXXXXXXXX) and comments XX(XXXXXXXXX)-X and - X; XX XXX XXXXXXXXXXXXXXXX(XXXXXXXXX); XX XXX XXXXXXXXXXXXXXXX(XXXXXXXX); XX XXX XXXXXXXXXXXXXXXX(XXXXXXXX)). - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-letter to borrower to cure with principle curtailment and updated CD in file - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-cured by lender/resolved - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6561546 | N/A | N/A |
| XXXX | 9983919 |  | 9983919 | Closed | 2025-12-10 03:10 | 2026-01-20 17:24 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Open- - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-letter to borrower to cure with principle curtailment and updated CD in file - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-cured by lender/resolved - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – XXXX/XXXXXX. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXXXXXXXXXXXXXX(XXXXXXXX); XX XXX XXXXXXXXXXXXXXXX(XXXXXXXX); XX XXX XXXXXXXXXXXXXXXX(XXXXXXXX)). Doc trans fer fee has been increased from Revised LE XXXX to XXXXXXXX in in final CD but we have no COC in file. - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-letter to borrower to cure with principle curtailment and updated CD in file - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-cured by lender/resolved - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6561547 | N/A | N/A |
| XXXX | 9983919 |  | 9983919 | Closed | 2025-12-10 00:40 | 2026-01-12 21:24 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of XXXXXXX is Less than Loan Amount Title coverage amount of XXXXXXX is less than the loan amount XXXXXXXXXX.Provide updated title commitment report with loan amount of XXXXXXXXXX. - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Title Coverage Amount of XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6560735 | N/A | N/A |
| XXXX | 9983923 |  | 9983923 | Closed | 2025-12-10 01:34 | 2025-12-26 09:48 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-Gift documented. - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Provide proof of wire for gift of XXXXXXX - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Gift documented. - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6560999 | N/A | N/A |
| XXXX | 9983927 |  | 9983927 | Closed | 2025-12-10 07:24 | 2025-12-19 11:15 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-EMD was backed out. - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. EMD was backed out - Sufficient asset documentation provided - XXXXXX-XX/XX/XXXX <br>Counter-Per the closing disclosure for the sale of property on page XXXX-XXXX the funds received by the borrower were XXXXXXXX and not XXXXXXXX. There is no proof of the EMD deposit of XXXXX. Backing that out of the XXXXXXXX is XXXXXXXX. Total available funds are XXXXXXXX. Required Funds are XXXXXXXX. Per this statement the borrower is short on funds. Please provide proof of the XXXXX EMD. This will support the amount of funds required by the borrower. - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Cash to Close = XXXXXXXX - Final SS from Sale shows XXXXXXX due to seller and we provided sufficient asset documents within the loan file. - XXXXXX-XX/XX/XXXX <br>Open-Missing proof of net proceeds from sale of XXXXXXXX and EMD of XXXXX. On seller settlement statement pg#XXXX is showing borrower is getting XXXXXXXX at the end of the sale - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. EMD was backed out - Sufficient asset documentation provided - XXXXXX-XX/XX/XXXX <br>Ready for Review-Cash to Close = XXXXXXXX - Final SS from Sale shows XXXXXXX due to seller and we provided sufficient asset documents within the loan file. - XXXXXX-XX/XX/XXXX<br>| Resolved-EMD was backed out. - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6564441 | N/A | N/A |
| XXXX | 9983929 |  | 9983929 | Closed | 2025-12-10 00:48 | 2025-12-17 12:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close dated XX/XX/XXXX Was Provided. - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Note date XX/X - VOE XX/XX - X business days - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower X Xrd Party VOE XX Business Day Prior to Close Missing - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Note date XX/X - VOE XX/XX - X business days - XXXXXX-XX/XX/XXXX<br>| Resolved-Borrower X Xrd Party VOE Prior to Close dated XX/XX/XXXX Was Provided. - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6560777 | N/A | N/A |
| XXXX | 9983930 |  | 9983930 | Closed | 2025-12-10 07:27 | 2025-12-30 07:02 | Resolved | 1 - Information A | Compliance | Mavent | Fees: Limited | Open- - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Foreclosure Prevention fee included in the recording fees as evidenced by the XXXX settlement statement in file. - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Rescinded-XXXXXXXXXXX requires every borrower in a residential mortgage loan to pay an XXX Foreclosure Prevention Fee. The System did not find an XXX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "XXXXXXXXXXX Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (XXX XX.XX; XXX XX.XX.XXX(XX)) Per hotsheet, mavent doesn't get run on these files. - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-Foreclosure Prevention fee included in the recording fees as evidenced by the XXXX settlement statement in file. - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Rescinded-XXXXXXXXXXX requires every borrower in a residential mortgage loan to pay an XXX Foreclosure Prevention Fee. The System did not find an XXX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "XXXXXXXXXXX Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (XXX XX.XX; XXX XX.XX.XXX(XX)) Per hotsheet, mavent doesn't get run on these files. - XXXXXXXXXXXXXXXXXXXXXX XXXXXXX-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 6564492 | N/A | N/A |
| XXXX | 9983930 |  | 9983930 | Closed | 2025-12-10 07:27 | 2025-12-30 07:02 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Lender credits went from $X,XXX on LE to $XXXX.XX on the CDs. No change of circumstance in file. Lender credits cannot decrease without a valid CoC. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XX,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (Notary Fee). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXXXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX XXX XXXXXXX.XX(f)(X)(v); XX XXX XXXXXXX.XX(g)(X); XX XXX XXXXXXX.XX(h)). Per hotsheet, XXXXXX doesn't get run on these files.<br> There are lender credits in the file; however, there is no Change of Circumstance documented in the file. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XX,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (Notary Fee). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXXXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX XXX XXXXXXX.XX(f)(X)(v); XX XXX XXXXXXX.XX(g)(X); XX XXX XXXXXXX.XX(h)). Per hotsheet, XXXXXX doesn't get run on these files.<br> There are lender credits in the file; however, there is no Change of Circumstance documented in the file. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6564493 | N/A | N/A |
| XXXX | 9983931 |  | 9983931 | Closed | 2025-12-10 07:46 | 2025-12-30 12:47 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy received. Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s). - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXXX is Less than Loan Amount Provide Title/ Supplemental Report with updated Title Coverage amount of $X,XXX,XXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Final Title Policy received. Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s). - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6564899 | N/A | N/A |
| XXXX | 9983934 |  | 9983934 | Closed | 2025-12-11 13:42 | 2026-01-23 13:16 | Resolved | 1 - Information C A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-The Deed of Trust is Executed - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Resolved-The Deed of Trust is Executed - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Not Executed Notary signed on XXXXXXXXX XX, loan closed XXXXXXXXX XXth. - Due Diligence Vendor-XX/XX/XXXX <br>Open-The Deed of Trust is Not Executed Notary signed X-XX-XXXX. this is X months prior to loan closing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-The Deed of Trust is Executed - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Deed of Trust is Executed - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6592447 | N/A | N/A |
| XXXX | 9983934 |  | 9983934 | Closed | 2025-12-10 09:04 | 2025-12-30 01:08 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title coverage amount is lower than the loan amount. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6566846 | N/A | N/A |
| XXXX | 9983935 |  | 9983935 | Closed | 2025-12-25 02:35 | 2026-01-20 13:27 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-PCCD received with a cure in the form of a Principal Reduction in Section K (line X). XXXXXX updated. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. There was a fee for $XXX.XX (State Tax/Stamps) that was added to the Initial CD dated XX/XX/XXXX that was not on the prior document, the Final LE dated XX/XX/XXXX. There is no COC provided for this increase. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-PCCD received with a cure in the form of a Principal Reduction in Section K (line X). XXXXXX updated. Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6802641 | N/A | N/A |
| XXXX | 9983936 |  | 9983936 | Closed | 2025-12-10 05:41 | 2026-02-12 13:05 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived- - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Insurer would need to provide Letter for Gap period or amended policy effective date on or prior to Disbursement. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-The borrower is clearly confirming no damage, nor any claims filed that would affect the value of the property - the borrower has no incentive to lie about this. We are not going to be able to obtain evidence of no claims from the insurer who was not the insurer during this period of time. The borrower has no gain in providing false information. If a claim was filed, XXXXXXXX would be made aware as we are the lien holder. Please escalate to buyer. Thank you - Seller-XX/XX/XXXX <br>Counter-Pending documentation from Insurer. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Hazard Insurance Effective Date of XX-XX-XXXX is after the Note and CD Disbursement Date of XX-XX-XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-The borrower is clearly confirming no damage, nor any claims filed that would affect the value of the property - the borrower has no incentive to lie about this. We are not going to be able to obtain evidence of no claims from the insurer who was not the insurer during this period of time. The borrower has no gain in providing false information. If a claim was filed, XXXXXXXX would be made aware as we are the lien holder. Please escalate to buyer. Thank you - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>|  | XXXX |  | Investor waived with the following compensating factors:<br> FICO: 740<br> Reserves: $152,664.78 or 18 months<br> DTI: 42.10% | XXXX | Primary Residence | Purchase | NA | 6563089 | Investor Post-Close | No |
| XXXX | 9983936 |  | 9983936 | Closed | 2025-12-10 07:02 | 2026-01-28 10:05 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Missing COC for Lender Credit CD X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($XX,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. COC not provided. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6564044 | N/A | N/A |
| XXXX | 9983936 |  | 9983936 | Closed | 2025-12-10 11:36 | 2025-12-30 09:47 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualifications do not meet requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Per XXXX B3-X.X-XX, when the account is made up of stocks and mutual funds, only the most recent monthly or quarterly statement is required. X months statements are required only on depository accounts. - Seller-XX/XX/XXXX <br>Open-Asset Qualification Does Not Meet Guideline Requirements DU missing corresponding month statement for required X month period for XXXXXXXX and XXXXXX XXXXXXX to verify funds required to close and X months post close reserves. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Per XXXX B3-X.X-XX, when the account is made up of stocks and mutual funds, only the most recent monthly or quarterly statement is required. X months statements are required only on depository accounts. - Seller-XX/XX/XXXX<br>| Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 6571438 | N/A | N/A |
| XXXX | 10110560 |  |  | Closed | 2026-01-29 15:00 | 2026-02-02 12:21 | Resolved | 1 - Information C A | Compliance | Compliance | Unable to determine QM/ATR due to missing documents. | Resolved-Client provided XXXXXX confirming Safe Harbor status. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Sent email to xxxxxx escalations. Finding can be rescinded. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-ATR Status not provided. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Client provided XXXXXX confirming Safe Harbor status. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Sent email to xxxxxx escalations. Finding can be rescinded. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7360154 | N/A | N/A |
| XXXX | 10110561 |  |  | Closed | 2026-01-20 12:53 | 2026-02-05 08:34 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Mortgage with XXXXXX XXXXXXX XX/XX/XXXX. First payment typically would be XX/XX/XXXX. However uploaded Note First Payment Due XX/XX/XXXX. Documented payments for XX/XXXX and XX/XXXX. Subject disbursed XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Pending Exception for missing housing payment history. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Regarding XXXXXX XXXXXXX, we did not obtain an updated payment history. The file contains a payoff statement and there are no late fees reported. This implies that all required payments were made in a timely fashion. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the payment histories for both XXXXXXXXXXX mortgages. I'm still working on the subject first lien with XXXXXX XXX. Thanks! - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Guidelines Page X and Documentation Page XXXX Desktop Underwriter, missing most recent XX month mortgage payment history: Subject Transaction mortgage paid thru closing XXXXXX XXXXXXX document XXXXXXXX XXXX payment since Purchased XXXXXXXX XXXX, XXXXXXXXXXX XXXXXX XX1503 XX month payment history and XXXXXXXXXXX XXXXXX XX1502 XX month payment history. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Regarding XXXXXX XXXXXXX, we did not obtain an updated payment history. The file contains a payoff statement and there are no late fees reported. This implies that all required payments were made in a timely fashion. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the payment histories for both XXXXXXXXXXX mortgages. I'm still working on the subject first lien with XXXXXX XXX. Thanks! - Seller-XX/XX/XXXX<br>| Resolved-Mortgage with XXXXXX XXXXXXX XX/XX/XXXX. First payment typically would be XX/XX/XXXX. However uploaded Note First Payment Due XX/XX/XXXX. Documented payments for XX/XXXX and XX/XXXX. Subject disbursed XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Second Home | Refinance | No Cash Out - Borrower Initiated | 7186302 | N/A | N/A |
| XXXX | 10110561 |  |  | Closed | 2026-01-20 13:38 | 2026-01-29 09:28 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal is Expired | Resolved-Updated XXXX and XXXXXXXXXXX Desk. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-The file contains two appraisals:<br> - Appraisal $X,XXX,XXX effective date XX/XX/XX, signed XX/XX/XX<br> - Appraisal $X,XXX,XXX effective date XX/XX/XX, signed XX/XX/XX - Seller-XX/XX/XXXX <br>Open-Primary Value Appraisal is Expired, Check XXXX Completion date if available to confirm if expired. (Days Difference is XXX) Guidelines Page X Refinance Transactions Loan Amounts over $X,XXX,XXX X Full Appraisals required. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-The file contains two appraisals:<br> - Appraisal $X,XXX,XXX effective date XX/XX/XX, signed XX/XX/XX<br> - Appraisal $X,XXX,XXX effective date XX/XX/XX, signed XX/XX/XX - Seller-XX/XX/XXXX<br>| Resolved-Updated XXXX and XXXXXXXXXXX Desk. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Second Home | Refinance | No Cash Out - Borrower Initiated | 7187342 | N/A | N/A |
| XXXX | 10110561 |  |  | Closed | 2026-01-20 13:49 | 2026-01-27 08:49 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Dwelling XXX% Replacement Cost. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXXX and Guaranteed Replacement Coverage indicator is 'No' Page XXX Hazard Insurance Binder Dwelling coverage $XXX,XXX. Guidelines Page XX, missing documentation Replacement Cost Estimate $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Dwelling XXX% Replacement Cost. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Second Home | Refinance | No Cash Out - Borrower Initiated | 7187614 | N/A | N/A |
| XXXX | 10110565 |  |  | Closed | 2026-01-30 07:45 | 2026-02-10 06:01 | Resolved | 1 - Information C A | Compliance | Compliance | Unable to determine QM/ATR due to missing documents. | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-ATR Status not provided. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>|  | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7373072 | N/A | N/A |
| XXXX | 10110565 |  |  | Closed | 2026-01-15 21:41 | 2026-02-10 05:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Citizenship Documentation Not Provided | Resolved-BX id is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Citizenship Documentation Provided or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Citizenship Documentation Is Missing Borrower X photo id is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-BX id is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Citizenship Documentation Provided or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7129015 | N/A | N/A |
| XXXX | 10110566 |  |  | Closed | 2026-01-20 14:26 | 2026-02-10 06:56 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Lender's Explanation received as well as a statement that XXXXXXXX is an approved xxxxxx. Assets meet guidelines. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-I acknowledge the reviewer's comments. However, the intent of the guideline is to prohibit handwritten documents such as VOD's, VOE's, VOM's, VOR's, etc. In this case, the XXXXXXXX Report is a third party, approved vendor. - Seller-XX/XX/XXXX <br>Open-Asset Record X Does Not Meet G/L Requirements Per Guidelines (XXXXXXXXX XXXXXXXXXXXX AUS Jumbo Product Profile XX.XX.XX): "VODs are not acceptable for asset documentation." However, the only proof of assets in the file is a XXXXXXXX Verification of Asset Report. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-I acknowledge the reviewer's comments. However, the intent of the guideline is to prohibit handwritten documents such as VOD's, VOE's, VOM's, VOR's, etc. In this case, the XXXXXXXX Report is a third party, approved vendor. - Seller-XX/XX/XXXX<br>| Resolved-Asset Record X Meets G/L Requirements - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Lender's Explanation received as well as a statement that XXXXXXXX is an approved xxxxxx. Assets meet guidelines. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7188315 | N/A | N/A |
| XXXX | 10110571 |  |  | Closed | 2026-01-20 19:58 | 2026-01-30 16:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7193235 | N/A | N/A |
| XXXX | 10110571 |  |  | Closed | 2026-01-20 19:58 | 2026-01-30 16:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7193236 | N/A | N/A |
| XXXX | 10110576 |  |  | Closed | 2026-01-16 07:17 | 2026-01-27 13:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Client identified the correct Initial CD. System updated. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Initial CD dated XX/XX/XXXX and viewed on XX/X<br> Final CD dated XX/XX/XXXX wet signed at the closing on XX/XX/XXXX - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure The file appears to be missing an Initial CD. The only TRID documents provided were an Initial LE dated XX/XX/XXXX, and a Final CD dated XX/XX/XXXX (signed XX/XX/XXXX). - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Initial CD dated XX/XX/XXXX and viewed on XX/X<br> Final CD dated XX/XX/XXXX wet signed at the closing on XX/XX/XXXX - Seller-XX/XX/XXXX<br>| Resolved-Client identified the correct Initial CD. System updated. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7135021 | N/A | N/A |
| XXXX | 10110576 |  |  | Closed | 2026-01-21 07:55 | 2026-01-27 13:23 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cured at closing - Seller-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(x)). A Final Inspection Fee of $XXX was on the Final CD that was not present on the Initial LE. There is no Change of Circumstance (COC) in the file for this fee addition. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cured at closing - Seller-XX/XX/XXXX<br>| Resolved-Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7203443 | N/A | N/A |
| XXXX | 10110579 |  |  | Closed | 2026-01-30 11:52 | 2026-02-10 06:19 | Resolved | 1 - Information C A | Compliance | Compliance | Unable to determine QM/ATR due to missing documents. | Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-ATR Status not provided.<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>|  | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7380147 | N/A | N/A |
| XXXX | 10110582 |  |  | Closed | 2026-01-21 12:11 | 2026-02-05 08:37 | Resolved | 1 - Information C A | Credit | Credit | Missing title documentation and/or endorsements | Resolved-Uploaded Deed to XXXXXXX X. XXXXXX XX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Pending Recorded Grant Deed, Quit Claim deed, etcetera; as Borrower signed Closing Documents XXXXXXX X. XXXXXX XX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing Deed for Vesting XXXXXXX X. XXXXXX XX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Uploaded Deed to XXXXXXX X. XXXXXX XX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Second Home | Refinance | No Cash Out - Borrower Initiated | 7221094 | N/A | N/A |
| XXXX | 10110584 |  |  | Closed | 2026-01-16 21:40 | 2026-01-30 13:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. I acknowledge the reviewer's comments. The file contains a VOE letter from the employer dated X/XX/XX, an XXXXXXX VOE dated XX/XX/XX and another XXXXXXX VOE dated XX/XX/XX. Subsequently, we obtained a post-close VOE, please see attached. - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing The verbal verification of employment provided in the loan package on page XXX is greater than XX business days. Please provide the verbal verification of employment for borrower X within the XX day tolerance. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. I acknowledge the reviewer's comments. The file contains a VOE letter from the employer dated X/XX/XX, an XXXXXXX VOE dated XX/XX/XX and another XXXXXXX VOE dated XX/XX/XX. Subsequently, we obtained a post-close VOE, please see attached. - Seller-XX/XX/XXXX<br>| Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7152295 | N/A | N/A |
| XXXX | 10110585 |  |  | Closed | 2026-01-21 11:48 | 2026-01-30 13:16 | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Asset X Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Per DU cert item #XX, Direct Verifications provided by a third party asset verification vendor are acceptable if completed in accordance with the XXXXXXX XXXXX. The file contains an XXXXXXXXXXX statement to verify these accounts. - Seller-XX/XX/XXXX <br>Open-Asset X Does Not Meet Guideline Requirements Unable to locate the XXXX XX XXXXXXX accounts ending in XXXX and XXXX with the balances of $XXX,XXX.XX and $XXX,XXX.XX. Please provide these XXXX XX XXXXXXX statements with the stated balances covering a X month period. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Per DU cert item #XX, Direct Verifications provided by a third party asset verification vendor are acceptable if completed in accordance with the XXXXXXX XXXXX. The file contains an XXXXXXXXXXX statement to verify these accounts. - Seller-XX/XX/XXXX<br>| Resolved-Asset X Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7219843 | N/A | N/A |
| XXXX | 10110585 |  |  | Closed | 2026-01-17 10:42 | 2026-01-29 06:29 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-COC is not required for Lender Credit increase. Lender Credit $X on Initial LE dated XX/XX/XXXX, Lender Credit $X,XXX on LE date XX-XX-XXXX and remains $X,XXX on the Initial and Final CD. - Seller-XX/XX/XXXX <br>Counter-Change of Circumstance is missing for Lender credits increased from revised LE to Initial CD. Please provide the Change of Circumstance that coincides with this change. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final CD reflects Lender Credit on page X, Origination fee - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXXX.X(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXXX.X(f)(X)(v); XX CFR XXXXX.X(g)(X); XX CFR XXXXX.X(h)). COC is missing for Lender credits increased from revised LE to Initial CD. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-COC is not required for Lender Credit increase. Lender Credit $X on Initial LE dated XX/XX/XXXX, Lender Credit $X,XXX on LE date XX-XX-XXXX and remains $X,XXX on the Initial and Final CD. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final CD reflects Lender Credit on page X, Origination fee - Seller-XX/XX/XXXX<br>| Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7154254 | N/A | N/A |
| XXXX | 10110587 |  |  | Closed | 2026-01-30 14:07 | 2026-02-10 07:20 | Resolved | 1 - Information C A | Compliance | Compliance | Unable to determine QM/ATR due to missing documents. | Resolved-XXXXXX rcv'd with ATR pass/resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-ATR Status not provided. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-XXXXXX rcv'd with ATR pass/resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7382276 | N/A | N/A |
| XXXX | 10110595 |  |  | Closed | 2026-01-29 07:39 | 2026-02-04 07:37 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than AUS Required Reserves (Number of Months) | Resolved-Audited Reserves of XX.XX month(s) are greater than or equal to AUS Required Reserves of XX month(s) - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Audited Reserves of XX month(s) are greater than or equal to AUS Required Reserves of XX month(s) - Due Diligence Vendor-XX/XX/XXXX <br>Open-Audited Reserves of XX.XX month(s) are less than AUS Required Reserves of XX month(s) - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Audited Reserves of XX.XX month(s) are greater than or equal to AUS Required Reserves of XX month(s) - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Audited Reserves of XX month(s) are greater than or equal to AUS Required Reserves of XX month(s) - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 7349243 | N/A | N/A |
| XXXX | 10110595 |  |  | Closed | 2026-01-23 01:45 | 2026-02-04 07:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Supporting documentation received. The property is new construction so taxes on the title will be for the unimproved lot. Per the documentation attached, calculated an estimated monthly tax of $XXX. While this is higher than the lender's, the DTI is still within X% tolerance. Appraised Value X,XXX,XXX x XX% = Assessed Value $XXX,XXX $XXX,XXX / XXXX = XXXX x X.XXX = $XXXX.XX / XX = $XXX - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The property is new construction so taxes on the title will be for the unimproved lot. Per the documentation attached, I calculated an estimated monthly tax of $XXX. While this is higher than the lender's, the DTI is still within X% tolerance. <br>Appraised Value X,XXX,XXX x XX% = Assessed Value $XXX,XXX <br> $XXX,XXX / XXXX = XXXX x X.XXX = $XXXX.XX / XX = $XXX - Seller-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Title Commitment reflects annual property taxes iao $X,XXX or $XXX.XX/month and XXXX reflects Property Taxes iao $XXX/month causing a DTI discrepancy Provide tax certificate with an estimated annual tax amount of $XXXX or $XXX/monthly. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. The property is new construction so taxes on the title will be for the unimproved lot. Per the documentation attached, I calculated an estimated monthly tax of $XXX. While this is higher than the lender's, the DTI is still within X% tolerance. <br>Appraised Value X,XXX,XXX x XX% = Assessed Value $XXX,XXX <br> $XXX,XXX / XXXX = XXXX x X.XXX = $XXXX.XX / XX = $XXX - Seller-XX/XX/XXXX<br>| Resolved-Supporting documentation received. The property is new construction so taxes on the title will be for the unimproved lot. Per the documentation attached, calculated an estimated monthly tax of $XXX. While this is higher than the lender's, the DTI is still within X% tolerance. Appraised Value X,XXX,XXX x XX% = Assessed Value $XXX,XXX $XXX,XXX / XXXX = XXXX x X.XXX = $XXXX.XX / XX = $XXX - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7262531 | N/A | N/A |
| XXXX | 10110598 |  |  | Closed | 2026-01-23 04:20 | 2026-02-12 06:01 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-XXXXXXXXXX requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "XXXXXXXXXX Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW XX.XX; RCW XX.XX.XXX(XX)) - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7263921 | N/A | N/A |
| XXXX | 10110599 |  |  | Closed | 2026-02-02 15:43 | 2026-02-10 07:18 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-CDA rec'd/resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per XXXXXXXXX requirements and CU Score, if present, is greater than X.X - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-CDA rec'd/resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7406812 | N/A | N/A |
| XXXX | 10110600 |  |  | Closed | 2026-01-23 01:20 | 2026-02-02 08:38 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Uploaded Email from Insurance Agent stating no claims made during gap period XX/XX/XXXX-XX/X/XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX . However, Page XXX Post Close Closing Disclosure Disbursement Date XX/XX/XXXX. Hazard Insurance Policy Effective Date must be on XX/XX/XXXX or prior to this date. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Uploaded Email from Insurance Agent stating no claims made during gap period XX/XX/XXXX-XX/X/XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7262450 | N/A | N/A |
| XXXX | 10110600 |  |  | Closed | 2026-01-23 01:05 | 2026-02-02 08:35 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets XXXXXXXXX Requirements - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Per the AUS Jumbo Product Profile, rent must be verified only if the subject is a Second Home, Investment Property or there is a Non-Occupant Borrower. - XXXXXX-XX/XX/XXXX <br>Open-Housing History Does Not Meet XXXXXXXXX Requirements Primary Mortgage or Current Rent History – Verification of Primary Mortgage or Current Rent History requires a VOR or a rent schedule. However, we were only able to verify three months of payments using the bank statements provided (pages XX, XX, and XX). - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Per the AUS Jumbo Product Profile, rent must be verified only if the subject is a Second Home, Investment Property or there is a Non-Occupant Borrower. - XXXXXX-XX/XX/XXXX<br>| Resolved-Housing History Meets XXXXXXXXX Requirements - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 7262382 | N/A | N/A |
| XXXX | 10110603 |  |  | Closed | 2026-02-02 06:41 | 2026-02-11 07:15 | Resolved | 1 - Information C A | Credit | Doc Issue | Transmittal (1008) is Missing | Resolved-Client has provided a copy of the XXXX. XX has been updated to reflect. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-XXXX risk assessment reflects DU for AUS. File does not include a DU. LPA only included in file. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Client has provided a copy of the XXXX. XX has been updated to reflect. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7395000 | N/A | N/A |
| XXXX | 10110606 |  |  | Closed | 2026-01-26 05:23 | 2026-02-02 08:59 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets XXXXXXXXX Requirements - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Per the AUS Jumbo Product Profile, rent must be verified only if the subject is a Second Home, Investment Property or there is a Non-Occupant Borrower. - XXXXXX-XX/XX/XXXX <br>Open-Housing History Does Not Meet XXXXXXXXX Requirements ,primary residence rental payment proof is missing to verify XX months residential history. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Per the AUS Jumbo Product Profile, rent must be verified only if the subject is a Second Home, Investment Property or there is a Non-Occupant Borrower. - XXXXXX-XX/XX/XXXX<br>| Resolved-Housing History Meets XXXXXXXXX Requirements - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 7291405 | N/A | N/A |
| XXXX | 10110608 |  |  | Closed | 2026-01-26 06:04 | 2026-01-27 13:49 | Waived | 2 - Non-Material B | Credit | Assets | Audited Guideline Cash Out exceeds OVERLAY Guideline Cash Out | Waived-Audited XXXXXXXXX Cash Out exceeds OVERLAY XXXXXXXXX Cash Out Exception provided on page #XXX. Exception Requested for Cash-Out funds exceeds the max allowable of $XXX,XXX.<br> Borrower paid off a Xst and Xnd lien used to purchase the subject along with a Xrd home improvement loan that was opened XX months after purchase of property, X non mortgage debts and received around $XXX,XXX cash in hand. Total cash back received was $XXX,XXX.XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Audited XXXXXXXXX Cash Out exceeds OVERLAY XXXXXXXXX Cash Out Exception provided on page #XXX. Exception Requested for Cash-Out funds exceeds the max allowable of $XXX,XXX.<br> Borrower paid off a Xst and Xnd lien used to purchase the subject along with a Xrd home improvement loan that was opened XX months after purchase of property, X non mortgage debts and received around $XXX,XXX cash in hand. Total cash back received was $XXX,XXX.XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  | 44.76% DTI is below the maximum 50% DTI by 5.24%.<br> 743 Representative credit score exceeds the minimum required of 720 by 23 points.<br> $194,838 reserves exceed the minimum required of $41,040 exceeds the minimum by 5 months over the required minimum.<br>| XXXX | Primary Residence | Refinance | Cash Out - Other | 7292032 | Originator Post-Close | Yes |
| XXXX | 10110610 |  |  | Closed | 2026-01-27 14:02 | 2026-02-13 05:39 | Resolved | 1 - Information D A | Credit | Missing Doc | AUS Not Provided | Resolved-AUS is fully present - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-complete AUS provided. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-Final LPA same as in file - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Missing AUS Final LPA submission not in file - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-AUS is fully present - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-complete AUS provided. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-Final LPA same as in file - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7318988 | N/A | N/A |
| XXXX | 10110610 |  |  | Closed | 2026-01-25 22:46 | 2026-02-13 05:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Counter-no ID listed on the Patriot form - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Borrower X Photo Identification Missing. Please provide valid photo identification per XXXXXXXXXX requirements. Borrower X Photo Identification Type Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7288688 | N/A | N/A |
| XXXX | 10110610 |  |  | Closed | 2026-01-25 22:46 | 2026-02-13 05:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Counter-no ID listed on the Patriot form - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Borrower X Photo Identification Missing. Please provide valid photo identification per XXXXXXXXXX requirements. Borrower X Photo Identification Type Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7288689 | N/A | N/A |
| XXXX | 10110610 |  |  | Closed | 2026-02-02 10:22 | 2026-02-10 14:18 | Resolved | 1 - Information C A | Compliance | Compliance | Unable to determine QM/ATR due to missing documents. | Resolved-ATR Status confirmed by client XXXXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-ATR Status not provided. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | Resolved-ATR Status confirmed by client XXXXXX. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7401148 | N/A | N/A |
| XXXX | 10110612 |  |  | Closed | 2026-02-02 12:34 | 2026-02-04 07:42 | Resolved | 1 - Information C A | Compliance | Compliance | Unable to determine QM/ATR due to missing documents. | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-ATR Status not provided. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | _xXXXX_ | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7404058 | N/A | N/A |
| XXXX | 10110612 |  |  | Closed | 2026-01-23 22:23 | 2026-02-02 13:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Borrower X Xrd Party VOE Prior to Close Missing Provide Xrd Party VOE Prior to Close for Borrower X - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7282157 | N/A | N/A |
| XXXX | 10110613 |  |  | Closed | 2026-02-02 11:13 | 2026-02-10 06:24 | Resolved | 1 - Information C A | Compliance | Compliance | Unable to determine QM/ATR due to missing documents. | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-ATR Status not provided. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | _xXXXX_ | XXXX |  |  | XXXX | Second Home | Purchase | NA | 7402326 | N/A | N/A |
| XXXX | 10110614 |  |  | Closed | 2026-02-10 04:50 | 2026-02-10 04:50 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-A Lender Credit for Excess Charges of (XX.XX), Principal Reduction for Excess Charges of (XX.XX), and general or specific lender credit increases of (XX.XX) were applied to the total fee variance of (XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Resolved - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | Resolved-A Lender Credit for Excess Charges of (XX.XX), Principal Reduction for Excess Charges of (XX.XX), and general or specific lender credit increases of (XX.XX) were applied to the total fee variance of (XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Resolved - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |  |  |  | XXXX | Primary Residence | Purchase | NA | 7531650 | N/A | N/A |
| XXXX | 10110614 |  |  | Closed | 2026-01-21 22:49 | 2026-02-10 03:15 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Supporting documentation for No Housing Expense. Per property profile, the home belongs to XXXXXX X XXXXXXXXXXX who is likely her mother. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets XXXXXXXXX XXXXXXXX XXXXXXXXXXXX - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Supporting documentation for No Housing Expense. Per property profile, the home belongs to XXXXXX X XXXXXXXXXXX who is likely her mother. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Per the attached property profile, the home belongs to XXXXXX X XXXXXXXXXXX who is likely her mother. - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet XXXXXXXXX XXXXXXXX XXXXXXXXXXXX <br> - Due Diligence Vendor-XX/XX/XXXX <br>Open-Housing History Does Not Meet XXXXXXXXX XXXXXXXX XXXXXXXXXXXX Per XXXX, primary residence is reflected as No Housing Expense. Provide LOX or supporting documentation reflecting free and clear ownership status. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Per the attached property profile, the home belongs to XXXXXX X XXXXXXXXXXX who is likely her mother. - Seller-XX/XX/XXXX<br>| Resolved-Supporting documentation for No Housing Expense. Per property profile, the home belongs to XXXXXX X XXXXXXXXXXX who is likely her mother. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets XXXXXXXXX XXXXXXXX XXXXXXXXXXXX - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Supporting documentation for No Housing Expense. Per property profile, the home belongs to XXXXXX X XXXXXXXXXXX who is likely her mother. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7235530 | N/A | N/A |
| XXXX | 10110614 |  |  | Closed | 2026-01-29 07:33 | 2026-02-10 03:12 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-HVE received. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per XXXXXXXXX XXXXXXXX XXXXXXXXXXXX and CU Score, if present, is greater than X.X Per GL, All single appraisal transactions (purchase and refinance) must have a secondary valuation assessment completed prior to the <br> note date with one of the following conditions satisfied:<br> o A XXXXXX XXX Collateral Underwriter® (CU) Score of < X.X and a XXXXXXX XXX Loan Collateral Advisor® (LCA) score of <<br> X.X is required<br> § If CU returns no score (XXX), an LCA < X.X is sufficient. If LCA returns no score (XX), a CU score < X.X is sufficient.<br> § If two scores are obtained and either score is > X.X, another assessment option referenced below is required<br> Provide XXXXXX XXX Loan Collateral Advisor(LCA) - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-HVE received. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7349046 | N/A | N/A |
| XXXX | 10110614 |  |  | Closed | 2026-01-22 01:20 | 2026-01-30 01:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Home loan toolkit provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing Provide Home Loan Toolkit - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Home loan toolkit provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7236264 | N/A | N/A |
| XXXX | 10110616 |  |  | Closed | 2026-02-02 11:52 | 2026-02-10 09:37 | Resolved | 1 - Information C A | Compliance | Compliance | Unable to determine QM/ATR due to missing documents. | Resolved-Mavent Report provided and updated to file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-ATR Status not provided.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Mavent Report provided and updated to file. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7403184 | N/A | N/A |
| XXXX | 10146716 |  |  | Closed | 2026-01-25 11:58 | 2026-02-20 07:59 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to Proceed provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Required Intent to Proceed document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Intent to Proceed provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7284627 | N/A | N/A |
| XXXX | 10146716 |  |  | Closed | 2026-01-25 10:33 | 2026-02-05 01:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Required Xrd Party VOE document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7284355 | N/A | N/A |
| XXXX | 10146717 |  |  | Closed | 2026-01-24 19:27 | 2026-01-30 01:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Property under construction, calculated based on value and millage rate. Appraiser quoted $XX,XXX. - Seller-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Per lender information given on page #XXXX the taxes should be $X,XXX.XX\*XX = $XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Property under construction, calculated based on value and millage rate. Appraiser quoted $XX,XXX. - Seller-XX/XX/XXXX<br>| Resolved-Evidence of Property Tax uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7283415 | N/A | N/A |
| XXXX | 10146718 |  |  | Closed | 2026-01-28 05:43 | 2026-01-30 06:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Please provide lender income calculations for all sources of income. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Unable to locate the lender income calculation - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7326271 | N/A | N/A |
| XXXX | 10146719 |  |  | Closed | 2026-01-24 02:44 | 2026-02-11 08:28 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Per the XXX XXXXX XXXXXXXXX XXXXXXX, rent must be verified only if the subject is a Second Home, Investment Property or there is a Non-Occupant Borrower. - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Missing XX month verification of rental history. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Per the XXX XXXXX XXXXXXXXX XXXXXXX, rent must be verified only if the subject is a Second Home, Investment Property or there is a Non-Occupant Borrower. - Seller-XX/XX/XXXX<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 7282340 | N/A | N/A |
| XXXX | 10146720 |  |  | Closed | 2026-01-25 23:04 | 2026-02-10 08:09 | Resolved | 1 - Information C A | Property | Property | Collateral Rep & Warrant Relief Status is not eligible | Resolved-HVE Provided with an XX% FSD, within guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Per the XXX XXXXX XXXXXXXXX XXXXXXX, the FSD must be = to XX%. X.X% applies only to the XXX's. - Seller-XX/XX/XXXX <br>Counter-The attached AVM has an XX% FSD. Required Secondary valuation Desk review/AVM/ CU score with X.X% or less. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The Collateral Rep Warrant Relief Status is Not Eligible. Required Secondary valuation Desk review/AVM/ CU score with X.X% or less. - Due Diligence Vendor-XX/XX/XXXX</TD | Ready for Review-Per the XXX XXXXX XXXXXXXXX XXXXXXX, the FSD must be = to XX%. X.X% applies only to the XXX's. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br></TD | Resolved-HVE Provided with an XX% FSD, within guidelines. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7288967 | N/A | N/A |
| XXXX | 10146720 |  |  | Closed | 2026-01-28 11:51 | 2026-02-10 08:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Collateral Underwriter Missing | Resolved-HVE Provided with an XX% FSD, within guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. We agree the XXX's are > X.X%. We ordered an HVE which meets guidelines. - Seller-XX/XX/XXXX <br>Counter-The XXXX and XXXXX XXX's attached are exceeding the guideline requirements. Required Secondary valuation Desk review/AVM/ CU score with X.X% or less. <br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXX Collateral Underwriter (XXXX) is missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. We agree the XXX's are > X.X%. We ordered an HVE which meets guidelines. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-HVE Provided with an XX% FSD, within guidelines. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7336202 | N/A | N/A |
| XXXX | 10146720 |  |  | Closed | 2026-02-04 08:28 | 2026-02-10 08:07 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Per the XXXXX profile - XXXXXXXX Home Value Estimator AVM with an estimated value that is > XX% of the appraised value and FSD < XX%- Please clear as this is an invalid finding - Seller-XX/XX/XXXX <br>Counter-The attached AVM has an XX% FSD. Required Secondary valuation Desk review/AVM/ CU score with X.X% or less.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Per the XXXXX profile - XXXXXXXX Home Value Estimator AVM with an estimated value that is > XX% of the appraised value and FSD < XX%- Please clear as this is an invalid finding - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7440069 | N/A | N/A |
| XXXX | 10146720 |  |  | Closed | 2026-01-28 11:53 | 2026-02-06 08:09 | Resolved | 1 - Information C A | Credit | Credit | Missing condo documentation. | Resolved-Property is a Detached Site Condo, self managed as per LOE attached. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The file is missing documentation for the Condo being Warrantable. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Property is a Detached Site Condo, self managed as per LOE attached. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7336231 | N/A | N/A |
| XXXX | 10146720 |  |  | Closed | 2026-01-28 12:44 | 2026-02-06 08:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. The Lender Income Calculator is missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7337403 | N/A | N/A |
| XXXX | 10146721 |  |  | Closed | 2026-01-26 03:25 | 2026-02-05 01:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Missing Lender Income Calculation Worksheet - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7290604 | N/A | N/A |
| XXXX | 10146722 |  |  | Closed | 2026-01-26 01:34 | 2026-02-05 06:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender's Income Worksheets for both borrower are missing from the file. - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | 7290034 | N/A | N/A |
| XXXX | 10146725 |  |  | Closed | 2026-01-26 08:09 | 2026-02-05 05:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Please provide lender income calculators for all sources of income used in the approval - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income calculation worksheet is missing in file. - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7294111 | N/A | N/A |
| XXXX | 10146726 |  |  | Closed | 2026-01-28 10:40 | 2026-02-05 06:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Please provide lender income calculators for each source of income used in the approval. - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. The income calculators are missing for borrower X and borrower X. - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Validation Resolved' - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7334244 | N/A | N/A |
| XXXX | 10146727 |  |  | Closed | 2026-01-28 11:01 | 2026-02-05 06:40 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. We agree that the XXX reflects DTI of XX.XX% due to the incorrect property tax calculations however the DTI does not exceed X% therefore a corrected XXX is not required - XXXXXX-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Per the loan approval and the XXX in the file the DTI is XX.XX%. The XXXX in the file reflects a DTI of XX.XX%. Please provide the final XXXX. - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. We agree that the XXX reflects DTI of XX.XX% due to the incorrect property tax calculations however the DTI does not exceed X% therefore a corrected XXX is not required - XXXXXX-XX/XX/XXXX<br>| Resolved-The XXXX document is present in the loan file. - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7334751 | N/A | N/A |
| XXXX | 10146727 |  |  | Closed | 2026-01-26 22:01 | 2026-02-05 02:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Please provide lender income calculators for each source of income used in the approval. - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Please provide lenders income calculators for each source of income used in the approval. - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Lender Income Calculation Worksheet for BX & BX, Missing in File - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7306018 | N/A | N/A |
| XXXX | 10146727 |  |  | Closed | 2026-01-26 22:23 | 2026-02-05 02:07 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-PCCD uploaded, Disbursement date XX-XX-XXXX is same as the Hazard Insurance Effective Date of XX-XX-XXXX, Verified - Resolved - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Hazard Insurance Effective Date of XX-XX-XXXX is after the Disbursement date of XX-XX-XXXX. Please provide the insurance policy that was effective at closing date of XX/XX/XXXX or by the disbursement date of XX/XX/XXXX. - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-PCCD uploaded, Disbursement date XX-XX-XXXX is same as the Hazard Insurance Effective Date of XX-XX-XXXX, Verified - Resolved - XXXXXXXXX XXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7306136 | N/A | N/A |
| XXXX | 10146729 |  |  | Closed | 2026-01-28 02:26 | 2026-02-05 02:12 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-RCE uploaded, Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX.XX, Verified - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX.XX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXXX and Guaranteed Replacement Coverage indicator is 'No' Hazard Insurance Coverage amount + replacement cost amount is not covering the loan amount. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-RCE uploaded, Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX.XX, Verified - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX.XX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7324733 | N/A | N/A |
| XXXX | 10146730 |  |  | Closed | 2026-01-26 21:41 | 2026-02-05 02:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income Worksheet missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7305955 | N/A | N/A |
| XXXX | 10146731 |  |  | Closed | 2026-01-27 05:39 | 2026-02-09 02:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Citizenship Identification Documentation Missing | Resolved-Borrower X Non-US Citizen Identification Document (Visa) uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. BX Permanent Resident Card is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Borrower X Non-US Citizen Identification Document (Visa) uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7308766 | N/A | N/A |
| XXXX | 10146732 |  |  | Closed | 2026-01-28 14:49 | 2026-02-11 08:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Final Closing Disclosure :Missing addendum/attachment to CD showing payoff(s) breakdown for Line K. $X,XXX,XXX.XX. Should show payoffs for existing mortgage and any credit cards, judgments paid thru closing shown on preliminary title report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-TRID: Final Closing Disclosure Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7339708 | N/A | N/A |
| XXXX | 10146732 |  |  | Closed | 2026-01-28 15:07 | 2026-02-11 08:44 | Resolved | 1 - Information C A | Credit | Credit | Unable to verify all credit obligations (ATR) | Resolved-Statement of Information/SI provided to eliminate Judgments from Title report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Preliminary title report shows X Judgments for Child Support. Missing Divorce Decree, Child Support Order or Title/Escrow documentation Borrower is not one in the same as shown on Preliminary Title report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Statement of Information/SI provided to eliminate Judgments from Title report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7339994 | N/A | N/A |
| XXXX | 10146732 |  |  | Closed | 2026-01-28 14:41 | 2026-02-11 08:41 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Property Title Issue Page XXXX Preliminary Title report shows X Judgements. CD does not show payoff(s) nor able to find documentation released or excluded from Final Title Policy. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Property Title Issue Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7339585 | N/A | N/A |
| XXXX | 10146732 |  |  | Closed | 2026-01-28 14:53 | 2026-02-05 08:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Missing Third party VOE. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7339777 | N/A | N/A |
| XXXX | 10146735 |  |  | Closed | 2026-01-27 22:41 | 2026-02-09 13:25 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-lender income calc provided, updated our income, finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Your income is $XXXXXXXX.XX and ours is $XXXXXXXX.XX. It appears you are not including bonus or commission income. Please see the attached income worksheet and written VOE. - XXXXXX-XX/XX/XXXX <br>Open-DTI Exceeds AUS Tolerance Variance due to all other monthly payments. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Your income is $XXXXXXXX.XX and ours is $XXXXXXXX.XX. It appears you are not including bonus or commission income. Please see the attached income worksheet and written VOE. - XXXXXX-XX/XX/XXXX<br>| Resolved-Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-lender income calc provided, updated our income, finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7323900 | N/A | N/A |
| XXXX | 10146735 |  |  | Closed | 2026-01-27 21:24 | 2026-02-09 13:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender Worksheet / Income Calculator is Missing in the file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7323503 | N/A | N/A |
| XXXX | 10146735 |  |  | Closed | 2026-01-28 11:51 | 2026-02-05 06:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower X Citizenship Documentation Provided or Not Required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-XXXXXXXX act documentation provided, finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Borrower is a XX Citizen, identification verified by notary - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Citizenship Documentation Is Missing ID in the file is not the borrower. Provide valid form of ID for the borrower - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Borrower is a XX Citizen, identification verified by notary - XXXXXX-XX/XX/XXXX<br>| Resolved-Borrower X Citizenship Documentation Provided or Not Required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-XXXXXXXX act documentation provided, finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7336201 | N/A | N/A |
| XXXX | 10146735 |  |  | Closed | 2026-01-27 21:14 | 2026-02-05 02:35 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXXX is Less than Loan Amount $XXXXXXX<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7323440 | N/A | N/A |
| XXXX | 10146736 |  |  | Closed | 2026-01-28 05:42 | 2026-02-05 02:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income calculation worksheet is missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | 7326264 | N/A | N/A |
| XXXX | 10146737 |  |  | Closed | 2026-01-27 22:31 | 2026-02-06 01:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X 3rd Party VOE within XX days from closing date uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Borrower X 3rd Party VOE Prior to Close Missing VOE Prior to Close is Missing. Per the XXXXXXXXXX dated XX/X/XXXX and the AUS finding #XX, a verbal verification of employment must be completed within XXX days prior to the note date. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Borrower X 3rd Party VOE within XX days from closing date uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7323840 | N/A | N/A |
| XXXX | 10146737 |  |  | Closed | 2026-01-27 22:31 | 2026-02-06 01:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X 3rd Party VOE within XX days from closing date uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Borrower X 3rd Party VOE Prior to Close Missing VOE Prior to Close is Missing. Per the XXXXXXXXXX dated XX/X/XXXX and the AUS finding #XX, a verbal verification of employment must be completed within XXX days prior to the note date. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Borrower X 3rd Party VOE within XX days from closing date uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7323839 | N/A | N/A |
| XXXX | 10146738 |  |  | Closed | 2026-01-28 04:32 | 2026-02-13 10:42 | Waived | 2 - Non-Material C B | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Waived- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Acknowledged- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-Loan Estimate Disclosures do not capture cents. lender Credit decreased $X.XX from Initial LE to Final CD which is within $X.XX tolerance. Finding Rescinded - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-All fees/credits on Loan Estimates are rounded to the nearest dollar as LE's do not include cents. The Lender credit of $X,XXX.XX was rounded to nearest dollar = $X,XXX on the LE's. ($X.XX) All CD's disclosed the true lender credits of $XXXX.XX - XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXXXXX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXXXXX(f)(X)(v); XX CFR XXXXXXX(g)(X); XX CFR XXXXXXX(h)). Please Provide COC for the lender Credit decreased from $XXXX to $XXXX.XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-All fees/credits on Loan Estimates are rounded to the nearest dollar as LE's do not include cents. The Lender credit of $X,XXX.XX was rounded to nearest dollar = $X,XXX on the LE's. ($X.XX) All CD's disclosed the true lender credits of $XXXX.XX - XXXXXX-XX/XX/XXXX<br>| Rescinded-Loan Estimate Disclosures do not capture cents. lender Credit decreased $X.XX from Initial LE to Final CD which is within $X.XX tolerance. Finding Rescinded - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7325652 | Investor Post-Close | No |
| XXXX | 10146738 |  |  | Closed | 2026-01-28 01:03 | 2026-02-06 02:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-Received PUD rider, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-PUD Rider is Missing DOT is not checked with required PUD Rider and PUD rider is missing in the file. Please provide PUD rider. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Received PUD rider, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7324477 | N/A | N/A |
| XXXX | 10146738 |  |  | Closed | 2026-01-28 04:33 | 2026-02-06 02:32 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Received post CD with credit, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Administration Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXXXXX(e)(X); XX CFR XXXXXXX(e)(X); XX CFR XXXXXXX(f)(X)(v)). Please COC for administrative fees $XXXX include in section A fees of Final CD. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Received post CD with credit, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7325653 | N/A | N/A |
| XXXX | 10146739 |  |  | Closed | 2026-01-29 06:50 | 2026-02-06 06:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide B1 Income Worksheet for Bonus Income - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7347982 | N/A | N/A |
| XXXX | 10146740 |  |  | Closed | 2026-01-27 23:43 | 2026-02-13 10:44 | Waived | 2 - Non-Material C B | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Waived- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-PCCD reflecting the correct Disbursement Date and Per Diem Date provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXXXXX.XX(c) and Official Staff Commentary) This loan failed the TILA right of rescission test. because the per the ROR dated XX/XXXXX the cancellation date is XX/XX/XX and the disbursement date per final CD is XX/XX/XX. The funding date is before the third business day following consummation. Borrower did not get the full recession period. Provide a corrected PCCD reflecting the correct Disbursement Date and Per Diem Date. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Waived- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-PCCD reflecting the correct Disbursement Date and Per Diem Date provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7324183 | Investor Post-Close | No |
| XXXX | 10146740 |  |  | Closed | 2026-01-28 12:24 | 2026-02-10 11:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 executed and dated by the LO individual is present. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The Initial 1003 is Missing Section X is not executed or dated by the LO individual on the initial 1003 provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-The Initial 1003 executed and dated by the LO individual is present. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7337007 | N/A | N/A |
| XXXX | 10146740 |  |  | Closed | 2026-01-27 23:17 | 2026-02-06 03:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of rate lock uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing Missing evidence of Rate Lock - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Evidence of rate lock uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7324058 | N/A | N/A |
| XXXX | 10146740 |  |  | Closed | 2026-01-27 21:56 | 2026-02-06 02:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Missing Lender Worksheet / Income Calculator - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7323631 | N/A | N/A |
| XXXX | 10146742 |  |  | Closed | 2026-01-28 04:01 | 2026-02-06 02:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Lender Income calculation Worksheet, Missing in File - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7325393 | N/A | N/A |
| XXXX | 10146743 |  |  | Closed | 2026-01-28 06:49 | 2026-02-12 12:26 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-The information contained on the rebuttal letter is not on the final CD in the file. Provide the full final CD so this can be entered. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Recording fees of $XX paid by lender under final CD but we have no COC for the same. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7327317 | N/A | N/A |
| XXXX | 10146747 |  |  | Closed | 2026-02-12 08:19 | 2026-02-18 10:50 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Notary Fee was paid to XXXXXXXXXXXXXXXXXXXXXXXXX and was not on the Creditor's List. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X,XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | 7583088 | N/A | N/A |
| XXXX | 10146747 |  |  | Closed | 2026-01-29 02:17 | 2026-02-13 08:02 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-AVM (HVE) provided reflects a sufficient FSD score of X%. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-XXXXXXXX XXXXX CU Score of X.X (greater than the guideline requirements of X.X or less) and XXXXXXXXX XXXXX does not provide a score. Per guideline requirements, an additional valuation is required. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X XXXXXXXXX XXXXX CU Score of X.X (greater than the guideline requirements of X.X or less) and XXXXXXXXX XXXXX does not provide a score. Per guideline requirements, an additional valuation is required. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-AVM (HVE) provided reflects a sufficient FSD score of X%. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | 7344803 | N/A | N/A |
| XXXX | 10146747 |  |  | Closed | 2026-01-29 02:59 | 2026-02-12 08:54 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-PCCD with cure provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Administration Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Administration Fee of $X,XXX was added to the Final CD that was not present on the Initial CD. No COC in file for this newly-added fee. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-PCCD with cure provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | 7345048 | N/A | N/A |
| XXXX | 10146747 |  |  | Closed | 2026-01-29 02:59 | 2026-02-12 08:20 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The total amount of the XX% category fees on the last Closing Disclosure ($X,XXX.XX) has increased by more than XX% over the current baseline value of ($X,XXX.XX). The total amount of fees in the XX% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Settlement or Closing Fee, Courier Fee, Notary Fee). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). Notary Fee of $XXX was added to the Final CD that was not present on the Initial CD. Likewise, the Courier Fee increased from $XX on the Initial CD to $XX on the Final CD. No COC was provided for these changes. This put the file out of tolerance on the XX% category fees. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved- - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | 7345046 | N/A | N/A |
| XXXX | 10146747 |  |  | Closed | 2026-01-29 02:00 | 2026-02-11 03:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet is not required on Full doc, Verified - Resolved <br> - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-This is not a required document and we should not be cited for this - Seller-XX/XX/XXXX <br>Open-Lender Worksheet / Income Calculator is Missing in the file - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender Worksheet / Income Calculator is Missing in the file - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-This is not a required document and we should not be cited for this - Seller-XX/XX/XXXX<br>| Resolved-Lender Income Calculation Worksheet is not required on Full doc, Verified - Resolved <br> - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>|  |  |  | XXXX | Second Home | Purchase | NA | 7344730 | N/A | N/A |
| XXXX | 10146748 |  |  | Closed | 2026-02-04 16:15 | 2026-02-06 06:33 | Resolved | 1 - Information C A | Compliance | Compliance | Unable to determine QM/ATR due to missing documents. | Resolved-XXXXXX dated X/X/XXXX was uploaded. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXXXX report was not located in the loan file. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-XXXXXX dated X/X/XXXX was uploaded. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7450487 | N/A | N/A |
| XXXX | 10146748 |  |  | Closed | 2026-01-24 21:16 | 2026-02-06 06:32 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved- - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X The collateral underwrite for XXXXXX XXX shows a score of X which cannot be utilized. Please provide a clear capital or XXXXXXXXX home value estimator to support guideline requirements. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>|  | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7283526 | N/A | N/A |
| XXXX | 10146749 |  |  | Closed | 2026-01-24 23:15 | 2026-02-04 01:26 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Short Form Residential Policy uploaded, Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXXX is Less than Loan Amount Provide sufficient Title coverage to cover the loan amount of $X,XXX,XXX. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Short Form Residential Policy uploaded, Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7283622 | N/A | N/A |
| XXXX | 10146750 |  |  | Closed | 2026-01-28 07:56 | 2026-02-05 10:21 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Document received clears the finding. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to Proceed Disclosure is not in the file. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Document received clears the finding. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7328847 | N/A | N/A |
| XXXX | 10146750 |  |  | Closed | 2026-01-25 01:58 | 2026-02-05 02:42 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX Document uploaded, Verified & entered in system - Resolved<br> - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-XXXX Document uploaded, Verified & entered in system - Resolved<br> - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7283722 | N/A | N/A |
| XXXX | 10146750 |  |  | Closed | 2026-01-25 03:27 | 2026-02-04 08:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Documentation clears the finding. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Documentation clears the finding. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7283827 | N/A | N/A |
| XXXX | 10146751 |  |  | Closed | 2026-01-28 15:29 | 2026-02-04 19:03 | Resolved | 1 - Information C A | Compliance | Compliance | Unable to determine QM/ATR due to missing documents. | Resolved-The documentation received was sufficient to resolve the finding. XXXXXX report - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Please provide a copy of the XXXXXX Report. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-The documentation received was sufficient to resolve the finding. XXXXXX report - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7340220 | N/A | N/A |
| XXXX | 10146752 |  |  | Closed | 2026-02-04 19:09 | 2026-02-06 20:48 | Resolved | 1 - Information C A | Compliance | Compliance | Unable to determine QM/ATR due to missing documents. | Resolved-XXXXXX Received. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXXXX report was not located in the loan file at the time of the review. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-XXXXXX Received. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7452771 | N/A | N/A |
| XXXX | 10146753 |  |  | Closed | 2026-01-28 13:35 | 2026-02-13 03:52 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Received XXXX, resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Received XXXX missing the risk assessment filled out. Provide XXXX reflecting risk assessment information matching final XX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Missing final XXXX matching final XXXXXXX XXXXXXXXXX Findings. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Received XXXX, resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7338443 | N/A | N/A |
| XXXX | 10146753 |  |  | Closed | 2026-02-04 19:13 | 2026-02-06 02:50 | Resolved | 1 - Information C A | Compliance | Compliance | Unable to determine QM/ATR due to missing documents. | Resolved-Received XXXXXX report, resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXXXX report was not located in the loan file at the time of the review. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Received XXXXXX report, resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7452899 | N/A | N/A |
| XXXX | 10146754 |  |  | Closed | 2026-01-28 15:25 | 2026-02-10 06:57 | Resolved | 1 - Information C A | Compliance | Compliance | Unable to determine QM/ATR due to missing documents. | Resolved-XXXXXXXXXXXXXX Received. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Please provide the XXXXXX, XXXXXXXXXXXXXX or XXX XXXXX print out. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-XXXXXXXXXXXXXX Received. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7340195 | N/A | N/A |
| XXXX | 10146754 |  |  | Closed | 2026-01-27 02:12 | 2026-02-02 02:58 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX document uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Discrepancy in bonus income from XXXX $XX,XXX to final XXXX XXX $XX,XXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated XXXX document uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7307070 | N/A | N/A |
| XXXX | 10146755 |  |  | Closed | 2026-01-28 07:44 | 2026-02-18 08:11 | Resolved | 1 - Information C A | Compliance | Closing | Loan Originator NMLS Status is Not Active | Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. LO changed from XXXXX XXXXX when he left XXX XXXXXX XXXXXXXXX,XXX. This was then transferred to XXXXXXXX XXXXXXXX - Seller-XX/XX/XXXX <br>Open-Loan Originator NMLS Status is Not Active The Initial XXXX is showing Originator as XXXXX XXXXX with XXXXXX NMLS ID, whereas note and other final documents are showing XXXXXXXX XXXXXXXX as originator with XXXXXX NMLS ID which is incorrect the NMLS id as per Look up is XXXXXX. Please provide a LOX for the change. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. LO changed from XXXXX XXXXX when he left XXX XXXXXX XXXXXXXXX,XXX. This was then transferred to XXXXXXXX XXXXXXXX - Seller-XX/XX/XXXX<br>|  | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7328440 | N/A | N/A |
| XXXX | 10146755 |  |  | Closed | 2026-01-28 07:31 | 2026-02-18 08:10 | Resolved | 1 - Information C A | Compliance | Mavent | License: Loan Originator | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Document Uploaded. LO changed from XXXXX XXXXX when he left XXX XXXXXX XXXXXXX,XXX. This was then transferred to XXXXXXXX XXXXXXXX - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan originator is not authorized to do business in XX as of XXXX-XX-XX. The Initial XXXX is showing Originator as XXXXX XXXXX with XXXXXX NMLS ID, whereas note and other final documents are showing XXXXXXXXX XXXXXXXX as originator with XXXXXX NMLS ID which is incorrect the NMLS id as per Look up is XXXXXX. Whereas both the NMLS ID XXXXXX is showing present for XX state and for XXXXXX NMLS no results are showing. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Document Uploaded. LO changed from XXXXX XXXXX when he left XXX XXXXXX XXXXXXX,XXX. This was then transferred to XXXXXXXX XXXXXXXX - Seller-XX/XX/XXXX<br>|  | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7328082 | N/A | N/A |
| XXXX | 10146755 |  |  | Closed | 2026-01-29 08:52 | 2026-02-11 17:21 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>|  | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7352457 | N/A | N/A |
| XXXX | 10146755 |  |  | Closed | 2026-01-28 08:49 | 2026-02-10 07:16 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Income on XXXX shows $XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. The calculated income is $XX,XXX.XX and income as per XX is $XX,XXX.XX, whereas as per XXXX income is $XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Income on XXXX shows $XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7331290 | N/A | N/A |
| XXXX | 10146755 |  |  | Closed | 2026-01-28 08:52 | 2026-02-09 04:32 | Resolved | 1 - Information C A | Credit | Credit | Missing AUS/Loan Approval | Resolved-The difference in rental income is $XX.XX. Adjusted liabilities $XXXX.XX / income $XXXXX.XX = DTI XX.XX% which is within the variance limit, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-The difference in rental income is $XX.XX. Adjusted liabilities $XXXX.XX / income $XXXXX.XX = DTI XX.XX% within tolerance - Seller-XX/XX/XXXX <br>Open-The Final XXXX and XX is showing rental income from XXXX XXXXXXX XX XXXXX XX XXXXX REO property is $XXXX.XX, whereas by using XXXXXXXX X the rental income is $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-The difference in rental income is $XX.XX. Adjusted liabilities $XXXX.XX / income $XXXXX.XX = DTI XX.XX% within tolerance - Seller-XX/XX/XXXX<br>| Resolved-The difference in rental income is $XX.XX. Adjusted liabilities $XXXX.XX / income $XXXXX.XX = DTI XX.XX% which is within the variance limit, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 7331391 | N/A | N/A |
| XXXX | 10146756 |  |  | Closed | 2026-01-29 06:53 | 2026-02-20 07:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X VOE provided in Borrower X Missing VOE finding. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing from file - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Borrower X VOE provided in Borrower X Missing VOE finding. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7348070 | N/A | N/A |
| XXXX | 10146756 |  |  | Closed | 2026-01-29 06:38 | 2026-02-20 07:02 | Resolved | 1 - Information C A | Credit | Doc Issue | Transmittal (1008) is Missing | Resolved-Updated XXXX provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-BX income on XXXX does not match BX income on Final XXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated XXXX provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7347705 | N/A | N/A |
| XXXX | 10146756 |  |  | Closed | 2026-01-28 14:26 | 2026-02-18 07:30 | Resolved | 1 - Information C A | Compliance | Compliance | Unable to determine QM/ATR due to missing documents. | Resolved-Client Compliance report provided. Safe Harbor confirmed. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXXXX report was not located in the loan file at the time of the review. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Client Compliance report provided. Safe Harbor confirmed. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7339344 | N/A | N/A |
| XXXX | 10146756 |  |  | Closed | 2026-01-27 01:45 | 2026-02-18 07:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing from file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7307003 | N/A | N/A |
| XXXX | 10146756 |  |  | Closed | 2026-01-27 02:18 | 2026-02-17 02:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Fraud report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report Fraud Report missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Fraud report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7307089 | N/A | N/A |
| XXXX | 10146757 |  |  | Closed | 2026-01-28 11:24 | 2026-02-19 05:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Resolved-Joint XXXX Transcripts received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X IRS Transcripts Provided or Not Applicable (Number of Borrowers equals X) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Joint XXXX Transcripts - XXXXXX-XX/XX/XXXX <br>Open-Borrower X IRS Transcripts Missing Provide BX IRS Transcripts - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Joint XXXX Transcripts - XXXXXX-XX/XX/XXXX<br>| Resolved-Joint XXXX Transcripts received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X IRS Transcripts Provided or Not Applicable (Number of Borrowers equals X) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7335288 | N/A | N/A |
| XXXX | 10146757 |  |  | Closed | 2026-01-28 11:24 | 2026-02-19 05:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Joint XXXX Transcripts received - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X IRS Transcripts Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Joint XXXX Transcripts - XXXXXX-XX/XX/XXXX <br>Open-Borrower X IRS Transcripts Missing Provide BX IRS Transcripts - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Joint XXXX Transcripts - XXXXXX-XX/XX/XXXX<br>| Resolved-Joint XXXX Transcripts received - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X IRS Transcripts Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7335287 | N/A | N/A |
| XXXX | 10146757 |  |  | Closed | 2026-01-27 04:22 | 2026-02-19 05:17 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Resolved-Borrower X Paystubs Less Than X Month Provided Condition Resolved or Not Applicable (Number of Borrowers equals X) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-BX paystubs covering X month uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Paystubs Less Than X Month Provided Provide BX X month Paystubs - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Borrower X Paystubs Less Than X Month Provided Condition Resolved or Not Applicable (Number of Borrowers equals X) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-BX paystubs covering X month uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7307871 | N/A | N/A |
| XXXX | 10146757 |  |  | Closed | 2026-02-04 19:31 | 2026-02-06 06:42 | Resolved | 1 - Information C A | Compliance | Compliance | Unable to determine QM/ATR due to missing documents. | Resolved-Mavent Report received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The Mavent report was not located in the loan file at the time of the review. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Mavent Report received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7453029 | N/A | N/A |
| XXXX | 10146758 |  |  | Closed | 2026-01-29 07:31 | 2026-02-10 07:11 | Resolved | 1 - Information C A | Compliance | Compliance | Unable to determine QM/ATR due to missing documents. | Resolved-Received Mavent report, Safe Harbor. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Missing Compliance report needed to determine QM/ATR status. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Received Mavent report, Safe Harbor. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7348956 | N/A | N/A |
| XXXX | 10146759 |  |  | Closed | 2026-01-27 15:25 | 2026-02-05 10:32 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Document received. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Provide a revised XXXX with DTI matching the AUS approval. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Document received. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7320391 | N/A | N/A |
| XXXX | 10146759 |  |  | Closed | 2026-01-29 18:28 | 2026-02-05 10:31 | Resolved | 1 - Information C A | Compliance | Compliance | Unable to determine QM/ATR due to missing documents. | Resolved-Document recieved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Please provide the Mavent report. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Document recieved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7363007 | N/A | N/A |
| XXXX | 10146760 |  |  | Closed | 2026-01-29 08:01 | 2026-02-10 07:31 | Resolved | 1 - Information C A | Compliance | Compliance | Unable to determine QM/ATR due to missing documents. | Resolved-Received Mavent report. XXXX XXXXXX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing Compliance report needed to determine XXXXXXXX status. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Received Mavent report. XXXX XXXXXX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7349953 | N/A | N/A |
| XXXX | 10146761 |  |  | Closed | 2026-02-18 09:23 | 2026-02-18 09:30 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-The documentation received was sufficient to resolve the finding. XXX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Second Appraisal/ Valuation is Missing Required for Securitizations - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Document Uploaded - XX/XX/XXXX <br>| Resolved-The documentation received was sufficient to resolve the finding. XXX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7678527 | N/A | N/A |
| XXXX | 10146761 |  |  | Closed | 2026-01-27 05:16 | 2026-02-06 21:01 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Document clears the finding. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Asset Record X Does Not Meet G/L Requirements Provide wire transfer or proof to verify the proceeds from sale funds of $XXX,XXX.XX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Document clears the finding. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7308227 | N/A | N/A |
| XXXX | 10146761 |  |  | Closed | 2026-02-04 19:53 | 2026-02-06 20:54 | Resolved | 1 - Information C A | Compliance | Compliance | Unable to determine QM/ATR due to missing documents. | Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document received clears the finding. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Mavent report was not located in the loan file at the time of the review. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>|  | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7453272 | N/A | N/A |
| XXXX | 10146761 |  |  | Closed | 2026-01-27 04:32 | 2026-02-05 02:50 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved <br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXXX is Less than Loan Amount Title Coverage Amount of $X,XXX,XXX is Less than Loan Amount. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved <br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7307928 | N/A | N/A |
| XXXX | 10146763 |  |  | Closed | 2026-02-04 20:01 | 2026-02-06 21:07 | Resolved | 1 - Information C A | Compliance | Compliance | Unable to determine QM/ATR due to missing documents. | Resolved-Document clears the finding. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The XXXXXXX report was not located in the loan file at the time of the review. - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Document clears the finding. - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7453285 | N/A | N/A |
| XXXX | 10146764 |  |  | Closed | 2026-02-04 20:06 | 2026-02-10 07:27 | Resolved | 1 - Information C A | Compliance | Compliance | Unable to determine QM/ATR due to missing documents. | Resolved-xxxxxx report provided from lender, resolved. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The XXXXXXX report was not located in the loan file at the time of the review. - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-xxxxxx report provided from lender, resolved. - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7453355 | N/A | N/A |
| XXXX | 10146764 |  |  | Closed | 2026-01-27 05:30 | 2026-02-09 13:43 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Secondary Valuation or Additional Valuation CU Score is greater than X.X - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7308333 | N/A | N/A |
| XXXX | 10146765 |  |  | Closed | 2026-01-29 08:58 | 2026-02-12 07:11 | Resolved | 1 - Information C A | Compliance | Compliance | Unable to determine QM/ATR due to missing documents. | Resolved-Document received. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Please provide the XXXXXXX or XXXXXXXXXXXXXX. - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Document received. - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7352652 | N/A | N/A |
| XXXX | 10146765 |  |  | Closed | 2026-01-27 01:35 | 2026-01-30 08:23 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. XXXX Income does not match with XXXX & XX document.<br> XXXX HIT & DIT not matching with XX document.<br> XXXX LTV not matching with XX document. - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  | 1008 Income not matching with 1003 & LP document.<br> 1008 HIT & DIT not matching with LP document.<br> 1008 LTV not matching with LP document. | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7306975 | N/A | N/A |
| XXXX | 10146766 |  |  | Closed | 2026-01-28 12:48 | 2026-02-09 06:20 | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved-Document provided. Assets updated & documented. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Provide proof of proceeds from the secured loan in the amount of $XXX,XXX. - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Document provided. Assets updated & documented. - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | 7337500 | N/A | N/A |
| XXXX | 10146766 |  |  | Closed | 2026-02-04 20:14 | 2026-02-06 05:57 | Resolved | 1 - Information C A | Compliance | Compliance | Unable to determine QM/ATR due to missing documents. | Resolved-XXXXXX report received. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The XXXXXXX report was not located in the loan file at the time of the review. - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-XXXXXX report received. - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | 7453419 | N/A | N/A |
| XXXX | 10146767 |  |  | Closed | 2026-01-26 21:57 | 2026-02-20 00:32 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title coverage amount is less than Loan amount. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7306005 | N/A | N/A |
| XXXX | 10146767 |  |  | Closed | 2026-01-26 23:08 | 2026-02-18 23:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Home Loan Toolkit is not required on Refinance Transaction, Verified - Resolved - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Per eCFR XX CFR XXXX.X, this specific, XXXXXXXXX-mandated toolkit is required for purchase money mortgages (buying a home), not for refinances, subordinate liens, or reverse mortgages<br> This is a refinance transaction - Seller-XX/XX/XXXX <br>Open-Home loan tool kit is missing in file. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Per eCFR XX CFR XXXX.X, this specific, XXXXXXXXX-mandated toolkit is required for purchase money mortgages (buying a home), not for refinances, subordinate liens, or reverse mortgages<br> This is a refinance transaction - Seller-XX/XX/XXXX<br>| Resolved-Home Loan Toolkit is not required on Refinance Transaction, Verified - Resolved - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7306344 | N/A | N/A |
| XXXX | 10146767 |  |  | Closed | 2026-01-26 23:05 | 2026-02-09 07:41 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-per lender response borrower purchase subject XX/XXXX- housing history met/resolved - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Borrower's purchased the home in XXXXXXXX XXXX. First payment would be XXXXXXXX XXXX. The loan started with XXXXXXXXXXXXXXXXXXXXXXXX, reported on the credit report for X months. Then, transferred to XXX reported on the credit supplement for X months. - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet XXXXXXXXX Requirements Required minimum XX months housing history. Primary mortgage months review showing only X months. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Borrower's purchased the home in XXXXXXXX XXXX. First payment would be XXXXXXXX XXXX. The loan started with XXXXXXXXXXXXXXXXXXXXXXXX, reported on the credit report for X months. Then, transferred to XXX reported on the credit supplement for X months. - Seller-XX/XX/XXXX<br>| Resolved-per lender response borrower purchase subject XX/XXXX- housing history met/resolved - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7306339 | N/A | N/A |
| XXXX | 10146767 |  |  | Closed | 2026-01-26 23:07 | 2026-02-09 03:11 | Resolved | 1 - Information C A | Property | Property | Property is listed for sale | Resolved-The Subject property is not current listed for sale and was listed for sale on XX/XX/XXXX, Verified - Resolved - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-As per provided Appraisal the subject property listed for sale. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-The Subject property is not current listed for sale and was listed for sale on XX/XX/XXXX, Verified - Resolved - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7306342 | N/A | N/A |
| XXXX | 10146767 |  |  | Closed | 2026-02-04 20:17 | 2026-02-06 08:29 | Resolved | 1 - Information C A | Compliance | Compliance | Unable to determine QM/ATR due to missing documents. | Resolved-Lender Mavent rec'd with ATR/QM pass - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Mavent report was not located in the loan file at the time of the review. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender Mavent rec'd with ATR/QM pass - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7453421 | N/A | N/A |
| XXXX | 10146768 |  |  | Closed | 2026-01-27 09:28 | 2026-02-17 07:34 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Signed Intent to Proceed provided. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to proceed is missing in file. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Signed Intent to Proceed provided. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7313365 | N/A | N/A |
| XXXX | 10146768 |  |  | Closed | 2026-01-27 05:52 | 2026-02-17 02:58 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-XX months primary housing payment history provided. Resolved - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet XXXXXXXXX Requirements Required minimum XX months housing history. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-XX months primary housing payment history provided. Resolved - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7308862 | N/A | N/A |
| XXXX | 10146768 |  |  | Closed | 2026-02-04 20:28 | 2026-02-10 09:11 | Resolved | 1 - Information C A | Compliance | Compliance | Unable to determine QM/ATR due to missing documents. | Resolved-Mavent report provided and updated to file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Mavent report was not located in the loan file at the time of the review. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Mavent report provided and updated to file. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7453528 | N/A | N/A |
| XXXX | 10146768 |  |  | Closed | 2026-01-27 09:28 | 2026-02-05 02:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Affiliated Business Affidavit is Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Affiliated business disclosure is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Affiliated Business Affidavit is Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7313353 | N/A | N/A |
| XXXX | 10146769 |  |  | Closed | 2026-02-04 20:31 | 2026-02-06 10:02 | Resolved | 1 - Information C A | Compliance | Compliance | Unable to determine QM/ATR due to missing documents. | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Mavent report was not located in the loan file at the time of the review. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>|  | XXXX |  | The documentation received was sufficient to resolve the finding. Complete Mavent. | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7453541 | N/A | N/A |
| XXXX | 10146769 |  |  | Closed | 2026-01-28 13:58 | 2026-02-05 07:51 | Resolved | 1 - Information D A | Credit | Missing Doc | AUS Partially Provided | Resolved-The documentation received was sufficient to resolve the finding. Complete DU. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-AUS is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-AUS Partially Provided Missing pages X through XX from the Final AUS. - Due Diligence Vendor-XX/XX/XXXX <br>Open-AUS Partially Provided Pages X through XX are missing from the final AUS. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-The documentation received was sufficient to resolve the finding. Complete DU. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-AUS is fully present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7338883 | N/A | N/A |
| XXXX | 10146769 |  |  | Closed | 2026-01-27 05:44 | 2026-02-05 02:56 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX Document uploaded, Qualifying FICO on the XXXX matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the XXXX page is 'XXX' , but the qualifying FICO score under credit liabilities reflecting as 'XXX'. XXXX does not reflect the correct qualifying FICO score. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated XXXX Document uploaded, Qualifying FICO on the XXXX matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7308794 | N/A | N/A |
| XXXX | 10146770 |  |  | Closed | 2026-01-27 00:07 | 2026-01-30 21:22 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-TRID tolerance failure due to a rounding variance less than $X.XX. This immaterial difference is within allowable rounding tolerance. No corrective action requried. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee, Appraisal Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Loan discount fee and appraisal review has been increased $X.XX and $X.XX respectively, however variance is with in tolerance only and COC not required. - Due Diligence Vendor-XX/XX/XXXX |  | Rescinded-TRID tolerance failure due to a rounding variance less than $X.XX. This immaterial difference is within allowable rounding tolerance. No corrective action requried. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee, Appraisal Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Loan discount fee and appraisal review has been increased $X.XX and $X.XX respectively, however variance is with in tolerance only and COC not required. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | 7306620 | N/A | N/A |
| XXXX | 10065336 |  |  | Closed | 2026-01-25 04:11 | 2026-02-03 03:19 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. XXXX Doc is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-XXXX Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | 7283900 | N/A | N/A |
| XXXX | 10065296 |  |  | Closed | 2026-01-24 02:43 | 2026-01-30 01:52 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX Document uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. XXXX document is missing in file. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-XXXX Document uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | 7282339 | N/A | N/A |
| XXXX | 10065205 |  |  | Closed | 2026-01-30 02:13 | 2026-02-12 14:46 | Resolved | 1 - Information C A | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Discount points updated and XXXX disclosures updated. Finding resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The loan fees ($X,XXX.XX) exceed the (XX) (Note Amount >=$XXX,XXX.XX) fee limit, which is X% of the Total Loan Amount ($X,XXX.XX), the difference is ($X,XXX.XX). (XX CFR XXXXX.XX(e)(X). - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Discount points updated and XXXX disclosures updated. Finding resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | 7365851 | N/A | N/A |
| XXXX | 10065205 |  |  | Closed | 2026-01-30 00:02 | 2026-02-12 03:56 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX Document uploaded, Qualifying XXXX on the XXXX matches the Qualifying XXXX from the Credit Liabilities, Verified - Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Can we please get this exception cleared. Per the exception, this was rescinded. Added finding for XXXX. Rescinding the finding since qualifying XXXX score is matching with XXX. - Seller-XX/XX/XXXX <br>Open-Qualifying XXXX on the XXXX Page is '' or blank, but the Qualifying XXXX from the Credit Liabilities Page is 'XXX' or blank. Qualifying XXXX entries do not match. Please confirm the correct Qualifying XXXX value. File is missing with XXXX. However as per XXX and credit report, confirmed qualifying XXXX score is XXX. Added finding for XXXX. Rescinding the finding since qualifying XXXX score is matching with XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Can we please get this exception cleared. Per the exception, this was rescinded. Added finding for XXXX. Rescinding the finding since qualifying XXXX score is matching with XXX. - Seller-XX/XX/XXXX<br>| Resolved-Updated XXXX Document uploaded, Qualifying XXXX on the XXXX matches the Qualifying XXXX from the Credit Liabilities, Verified - Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | XXXX | Second Home | Purchase | NA | 7365158 | N/A | N/A |
| XXXX | 10065205 |  |  | Closed | 2026-01-29 23:07 | 2026-02-03 00:30 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested XXXX document which was missing from initial package provided, updated in XXXX Page & condition resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. File is missing with XXXX Underwriting Summary. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Requested XXXX document which was missing from initial package provided, updated in XXXX Page & condition resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | 7364648 | N/A | N/A |
| XXXX | 10065170 |  |  | Closed | 2026-02-05 09:08 | 2026-02-05 15:03 | Resolved | A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  |  |  |  |  | XXXX | Second Home | Purchase | NA | 7466492 | N/A | N/A |
| XXXX | 10065170 |  |  | Closed | 2026-02-05 09:08 | 2026-02-05 09:12 | Resolved | A | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  |  |  |  |  | XXXX | Second Home | Purchase | NA | 7466493 | N/A | N/A |
| XXXX | 10065198 |  |  | Closed | 2026-01-30 12:17 | 2026-02-05 10:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing the universal loan identifier. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Received XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | 7380642 | N/A | N/A |
| XXXX | 10065198 |  |  | Closed | 2026-01-30 10:38 | 2026-02-05 10:44 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXD_<br> Open-The XXXX document is missing from the loan file. XXXX does not have the Risk Assessment section completed. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXD_ | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ | XXXX |  |  | XXXX | Second Home | Purchase | NA | 7378675 | N/A | N/A |
| XXXX | 10065169 |  |  | Closed | 2026-01-28 22:29 | 2026-02-13 11:25 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than AUS Required Reserves (Dollar Amount) | Resolved-As per the XX, XXXXXXX no reserves are required, Audited Reserves of $XXXX.XX are equal to or greater than XXX Required Reserves of $X, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Audited Reserves of $XXXX.XX are equal to or greater than XXX Required Reserves of $X - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Audited Reserves of $X are equal to or greater than XXX Required Reserves of $X - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Please clarify. Per XXX item XXXXXXX no reserves are required. - Seller-XX/XX/XXXX _xXXXD_<br> Open-Audited Reserves of $X are less than XXX Required Reserves of $XXXXX.XX Sufficient assets are not available in file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Please clarify. Per XXX item XXXXXXX no reserves are required. - Seller-XX/XX/XXXX_xXXXD_ | Resolved-As per the XX, XXXXXXX no reserves are required, Audited Reserves of $XXXX.XX are equal to or greater than XXX Required Reserves of $X, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Audited Reserves of $XXXX.XX are equal to or greater than XXX Required Reserves of $X - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Audited Reserves of $X are equal to or greater than XXX Required Reserves of $X - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ |  |  |  | XXXX | Second Home | Purchase | NA | 7343742 | N/A | N/A |

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## Exhibit 99.4

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.4 - Schedule 4**

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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 Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent 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)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 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** |
| 9983912 |  | 9983912 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 0 | 10/15/2025 | 6.290% | DU | Approve Ineligible | No | 6.906% |  | 6.875% | 6.875% | $10394.19 | No | $21999.96 | $1833.33 | $6364.92 | $530.41 | $0.00 | $0.00 | $0.00 | $12757.93 | $18142.65 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 43.82% | 43.82% | 43.82% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 1 | 0 | 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 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2+ Months Paystubs Verified, Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 800 |  |  |  |  |  |  |  |  | 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 | Other | USA PATRIOT ACT | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 169552.14 | 13.3 | 169552.14 | 13.3 | No | 89.9 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 9983913 |  | 9983913 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 46670.82 | 10/22/2025 | 6.240% | DU | Approve Ineligible | No | 6.330% |  | 6.000% | 6.000% | $9555.39 | No | $12602.04 | $1050.17 | $7179.00 | $598.25 | $0.00 | $0.00 | $0.00 | $11203.81 | $17465.57 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 44.64% | 44.64% | 44.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 1 YR W2 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 1 YR W2 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 730 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 102415.67 | 9.1 | 102415.67 | 9.1 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 9983914 |  | 9983914 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | Client Affirms Non-QM Status | 0 | 10/09/2025 | 6.310% | LP | Accept | No | 7.348% |  | 7.250% | 7.250% | $9712.48 | No | $20937.48 | $1744.79 | $4099.32 | $341.61 | $0.00 | $0.00 | $0.00 | $11798.88 | $28128.70 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 29.55% | 29.55% | 29.55% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 1 YR W2 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 1 | 1 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 15.00% | 85.00% | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065), 1 YR W2 Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 \|\| Co Borrower - SEPartnership - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065), Executed 4506T Verified - ["2024"] - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065), Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065), Executed 4506T Verified - ["2024"] - 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 777 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 220820.18 | 18.7 | 220820.18 | 18.7 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 9983915 |  | 9983915 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 39888.65 | 11/06/2025 | 6.170% | DU | Approve Ineligible | No | 6.148% |  | 5.875% | 5.875% | $9139.26 | No | $11213.04 | $934.42 | $2448.96 | $204.08 | $780.00 | $65.00 | $0.00 | $10342.76 | $55054.44 | N/A | XXXX | XXXX | $65.00 | XXXX | Monthly | 24.51% | 20.88% | 20.88% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | 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 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 34470.38 | 3.3 | 34470.38 | 3.3 | No | 89.57 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 9983916 |  | 9983916 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 17418.66 | 10/14/2025 | 6.290% | DU | Manual Underwriting | No | 7.239% |  | 7.125% | 7.125% | $6728.76 | No | $11516.28 | $959.69 | $2811.12 | $234.26 | $7944.00 | $662.00 | $0.00 | $8584.71 | $11623.28 | Yes | XXXX | XXXX | $662.00 | XXXX | Monthly | 42.60% | 42.60% | 42.60% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 YR W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 1 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR Business Tax Returns Verified(1065, K1), 1 YR W2 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | Borrower - 1 YR Business Tax Returns Verified(1065, K1), 1 YR Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 798 |  |  |  |  |  |  |  |  | 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 | Passport |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 230877.34 | 26.9 | 230877.34 | 26.9 | No | 85 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 9983917 |  | 9983917 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 14030.98 | 10/14/2025 | 6.290% | LP | Accept | No | 7.442% |  | 7.250% | 7.250% | $6347.41 | No | $11856.00 | $988.00 | $5152.32 | $429.36 | $0.00 | $0.00 | $0.00 | $7764.77 | $19342.62 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 36.10% | 36.10% | 36.10% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | 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 | 12 | 12 | Other | Yes | 12 | 12 | Other | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 780 |  |  |  |  |  |  |  |  | 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 | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 120516.58 | 15.5 | 120516.58 | 15.5 | No | 89.9 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 9983918 |  | 9983918 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 37984.09 | 10/30/2025 | 6.160% | DU | Approve Ineligible | No | 7.368% |  | 7.250% | 7.250% | $7826.23 | No | $12082.56 | $1006.88 | $1047.96 | $87.33 | $0.00 | $0.00 | $0.00 | $8920.44 | $27482.31 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 36.41% | 36.41% | 36.41% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | 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 | 28 | 12 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - N/A | Borrower - Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 754 |  |  |  |  |  |  |  |  | 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 | Other | USA Patriot Act Disclosure - Driver's License | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure - Driver's License | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 42352.23 | 4.8 | 42352.23 | 4.8 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 9983919 |  | 9983919 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | Client Affirms Non-QM Status | 8504.08 | 10/16/2025 | 6.290% | LP | Accept | No | 6.751% |  | 6.625% | 6.625% | $6920.35 | No | $2766.00 | $230.50 | $4714.32 | $392.86 | $0.00 | $0.00 | $0.00 | $7543.71 | $27114.59 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 28.82% | 28.82% | 28.82% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor, SESoleProprietor, SESoleProprietor, SESoleProprietor, SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(N/A), 1 YR Executed 4506T Verified - ["2023","2024"] - 2023, 2024 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Executed 4506T Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(N/A), 1 YR Executed 4506T Verified - ["2023","2024"] - 2023, 2024 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 106854.38 | 14.2 | 106854.38 | 14.2 | No | 89.99 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 9983920 |  | 9983920 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | Client Affirms Non-QM Status | 9474.55 | 10/16/2025 | 6.290% | LP | Accept | No | 6.671% |  | 6.500% | 6.500% | $5972.32 | No | $13124.88 | $1093.74 | $1002.12 | $83.51 | $0.00 | $0.00 | $0.00 | $7149.57 | $14067.92 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 39.71% | 39.71% | 39.71% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | NA |  | Yes | 2 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 12 | 12 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 58484.92 | 8.2 | 58484.92 | 8.2 | No | 89.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 9983921 |  | 9983921 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 33101.05 | 11/20/2025 | 6.230% | DU | Accept Eligible | No | 7.410% |  | 7.250% | 7.250% | $7366.69 | No | $3492.00 | $291.00 | $1635.96 | $136.33 | $14544.00 | $1212.00 | $0.00 | $9006.02 | $16359.63 | Yes | XXXX | XXXX | $1212.00 | XXXX | Monthly | 40.82% | 40.81% | 40.81% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 1 Month |  | 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 |  | Yes | 21 | 21 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 767 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 54781.64 | 6.1 | 54781.64 | 6.1 | No | 89.99 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 9983922 |  | 9983922 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 17167.73 | 11/05/2025 | 6.170% | DU | Approve Ineligible | No | 7.603% |  | 7.375% | 7.375% | $6246.42 | No | $5810.40 | $484.20 | $6693.96 | $557.83 | $408.00 | $34.00 | $0.00 | $7322.45 | $11667.56 | Yes | XXXX | XXXX | $34.00 | XXXX | Monthly | 42.85% | 42.85% | 42.85% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 131 | 131 | Other | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, Lease Agreements Verified - ["2024","2025","2023"] - 2024, 2025, 2023 \|\| Co Borrower - Wage - 2+ Months Paystubs Verified, Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 \|\| Co Borrower - Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 741 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 116093.78 | 15.9 | 116093.78 | 15.9 | No | 89.9 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 9983923 |  | 9983923 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 3229 | 10/21/2025 | 6.240% | DU | Approve Ineligible | No | 7.722% |  | 7.625% | 7.625% | $14155.87 | No | $28125.00 | $2343.75 | $1248.96 | $104.08 | $0.00 | $0.00 | $0.00 | $16603.70 | $32930.30 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 38.10% | 38.10% | 38.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 YR W2 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 1 YR W2 Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 777 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 177668.74 | 10.7 | 177668.74 | 10.7 | No | 88.89 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 9983924 |  | 9983924 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 14077.59 | 10/31/2025 | 6.160% | LP | Accept | No | 7.314% |  | 7.250% | 7.250% | $9458.33 | No | $19236.72 | $1603.06 | $1814.04 | $151.17 | $1800.00 | $150.00 | $0.00 | $11362.56 | $18480.33 | N/A | XXXX | XXXX | $150.00 | XXXX | Monthly | 43.45% | 43.44% | 43.44% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Full Doc | 0 | 2 YRS W2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 2 | 2 | 0 | 0 | 2 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp - 2 YRS Business Tax Returns Verified(1120S, K1) - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage, Retirement, SSI and Disability, Other, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Business Tax Returns Verified(1120S, K1) - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 781 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 587560.64 | 51.7 | 587560.64 | 51.7 | No | 89.9 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 9983925 |  | 9983925 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 5161.85 | 11/24/2025 | 6.260% | DU | Approve Ineligible | No | 7.386% |  | 7.250% | 7.250% | $5832.61 | No | $21515.40 | $1792.95 | $4143.00 | $345.25 | $390.00 | $32.50 | $0.00 | $8003.31 | $19449.14 | N/A | XXXX | XXXX | $32.50 | XXXX | Annually | 32.50% | 32.50% | 32.50% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 YR W2 | 1 YR W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 1 | 1 | NA | 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 | 12 | 12 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Bonus, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 1 YR W2 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card |  | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 88746.19 | 11.1 | 88746.19 | 11.1 | No | 89.91 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 9983926 |  | 9983926 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 0 | 11/05/2025 | 6.170% | LP | Error | No | 7.049% |  | 6.875% | 6.875% | $8779.20 | No | $16704.96 | $1392.08 | $3957.00 | $329.75 | $2160.00 | $180.00 | $0.00 | $10681.03 | $20540.33 | N/A | XXXX | XXXX | $180.00 | XXXX | Monthly | 42.33% | 42.33% | 42.33% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified - ["2024","2023"] - 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified - ["2024","2023"] - 2024, 2023 | Borrower - 1 YR Executed 4506T Verified - ["2024","2023"] - 2024, 2023 \|\| Co Borrower - 1 YR Executed 4506T Verified - ["2024","2023"] - 2024, 2023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 815 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 237665.46 | 22.3 | 237665.46 | 22.3 | No | 89.99 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 9983927 |  | 9983927 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 11892.6 | 11/24/2025 | 6.260% | DU | Approve Ineligible | No | 6.243% |  | 6.125% | 6.125% | $9812.91 | No | $6614.76 | $551.23 | $3376.32 | $281.36 | $0.00 | $0.00 | $0.00 | $10645.50 | $38908.91 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 22.73% | 22.73% | 22.73% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 YR W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 35 | 35 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 1 YR W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 789 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 9983928 |  | 9983928 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 25544 | 11/11/2025 | 6.260% | DU | Approve Ineligible | No | 7.370% |  | 7.125% | 7.125% | $10105.78 | No | $8671.68 | $722.64 | $2429.28 | $202.44 | $339.96 | $28.33 | $0.00 | $11059.19 | $28451.86 | N/A | XXXX | XXXX | $28.33 | XXXX | Annually | 33.39% | 33.39% | 33.39% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 1 YR W2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 14 | 12 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 1 YR W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 | Other | USA Patriot | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 53871.78 | 4.9 | 53871.78 | 4.9 | No | 89.55 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 9983929 |  | 9983929 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 12219 | 11/19/2025 | 6.230% | DU | Approve Ineligible | No | 7.050% |  | 6.875% | 6.875% | $7259.06 | No | $7472.28 | $622.69 | $1951.80 | $162.65 | $0.00 | $0.00 | $0.00 | $8044.40 | $18889.60 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 38.09% | 41.26% | 41.26% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 12 | 12 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 756 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 326143.91 | 40.5 | 326143.91 | 40.5 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 9983930 |  | 9983930 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 8671.75 | 11/12/2025 | 6.260% | DU | Approve Ineligible | No | 6.738% |  | 6.625% | 6.625% | $11565.62 | No | $16747.32 | $1395.61 | $1971.00 | $164.25 | $0.00 | $0.00 | $0.00 | $13125.48 | $20687.70 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 41.34% | 41.34% | 41.34% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 776 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 189210.74 | 14.4 | 189210.74 | 14.4 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 9983931 |  | 9983931 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 0 | 10/16/2025 | 6.290% | DU | Approve Ineligible | No | 7.139% |  | 7.125% | 7.125% | $10931.08 | No | $3888.00 | $324.00 | $2990.04 | $249.17 | $2580.00 | $215.00 | $0.00 | $11719.25 | $23659.02 | N/A | XXXX | XXXX | $215.00 | XXXX | Annually | 41.92% | 41.92% | 41.92% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 1 YR W2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 1 | 2 | 2 | NA | NA | No | No | 0 | No | No | Missing | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 24 | 24 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Commission, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 1 YR W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 730 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 373889.84 | 31.9 | 373889.84 | 31.9 | No | 83.21 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 9983932 |  | 9983932 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 9503.5 | 10/09/2025 | 6.310% | DU | Approve Ineligible | No | 7.486% |  | 7.375% | 7.375% | $7252.09 | No | $11216.16 | $934.68 | $3525.00 | $293.75 | $2145.96 | $178.83 | $0.00 | $8659.35 | $29759.45 | N/A | XXXX | XXXX | $178.83 | XXXX | Annually | 31.05% | 31.05% | 31.05% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 12 | 12 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 789 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1022610.80 | 118.1 | 1022610.80 | 118.1 | No | 87.5 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 9983933 |  | 9983933 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 11734.54 | 10/24/2025 | 6.240% | DU | Approve Ineligible | No | 7.044% |  | 6.875% | 6.875% | $7218.18 | No | $11688.60 | $974.05 | $2640.00 | $220.00 | $0.00 | $0.00 | $0.00 | $8412.23 | $15716.51 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 35.79% | 35.79% | 35.79% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 60 | 24 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 789 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 115182.71 | 13.7 | 115182.71 | 13.7 | No | 89.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 9983934 |  | 9983934 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 8993.84 | 10/29/2025 | 6.160% | LP | Approve Eligible | No | 6.870% |  | 6.750% | 6.750% | $6725.96 | No | $3994.08 | $332.84 | $1944.96 | $162.08 | $276.00 | $23.00 | $0.00 | $7243.88 | $16263.78 | N/A | XXXX | XXXX | $23.00 | XXXX | Monthly | 42.86% | 42.86% | 42.86% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 2 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(N/A), 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] - 2025 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] - 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(N/A), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] - 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] - 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 766 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 401797.19 | 55.5 | 401797.19 | 55.5 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 9983935 |  | 9983935 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | Client Affirms Non-QM Status | 1095 | 10/28/2025 | 6.160% | DU | Approve Ineligible | No | 6.430% |  | 6.375% | 6.375% | $9758.96 | No | $10104.96 | $842.08 | $2817.00 | $234.75 | $1500.00 | $125.00 | $0.00 | $10960.79 | $30432.54 | N/A | XXXX | XXXX | $125.00 | XXXX | Monthly | 35.21% | 35.21% | 35.21% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Wage, Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 770 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 79343.05 | 7.2 | 79343.05 | 7.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 9983936 |  | 9983936 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 6413.14 | 08/29/2025 | 6.630% | DU | Approve Ineligible | No | 7.204% |  | 7.125% | 7.125% | $6498.87 | No | $15293.04 | $1274.42 | $2035.08 | $169.59 | $2292.00 | $191.00 | $0.00 | $8133.88 | $12981.51 | N/A | XXXX | XXXX | $191.00 | XXXX | Monthly | 42.10% | 44.21% | 44.21% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 12 | 12 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023","2025"] - 2024, 2023, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023","2025"] - 2024, 2023, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 72669.01 | 8.9 | 72669.01 | 8.9 | No | 89.95 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 9983938 |  | 9983938 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 0 | 10/22/2025 | 6.240% | DU | Approve Ineligible | No | 7.464% |  | 7.250% | 7.250% | $8440.99 | No | $12467.04 | $1038.92 | $6783.00 | $565.25 | $0.00 | $0.00 | $0.00 | $10045.16 | $22526.98 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 39.46% | 39.65% | 39.65% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 34 | 34 | Work Number | Yes | 34 | 34 | Other | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss), Military and Government Assistance - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, Award Letter Verified, Lease Agreements Verified - ["2024","2023","2025"] - 2024, 2023, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - ["2024","2023","2025"] - 2024, 2023, 2025 | Borrower - Executed 4506T Verified - ["2024","2023","2025"] - 2024, 2023, 2025 \|\| Co Borrower - Executed 4506T Verified - ["2024","2023","2025"] - 2024, 2023, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 724 |  |  |  |  |  |  |  |  | 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 | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 282817.37 | 28.2 | 282817.37 | 28.2 | No | 89.99 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 9983939 |  | 9983939 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | Client Affirms Non-QM Status | 0 | 10/28/2025 | 6.160% | DU | Approve Ineligible | No | 6.939% |  | 6.875% | 6.875% | $7088.26 | No | $8493.12 | $707.76 | $1184.04 | $98.67 | $1440.00 | $120.00 | $0.00 | $8014.69 | $12398.32 | Yes | XXXX | XXXX | $120.00 | XXXX | Monthly | 45.49% | 44.22% | 44.22% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 11 | 11 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 759 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 137033.60 | 17.1 | 137377.10 | 17.1 | No | 89.92 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 9984822 |  | 9984822 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 15087.91 | 11/18/2025 | 6.230% | DU | Approve Ineligible | No | 6.480% |  | 6.250% | 6.250% | $5961.07 | No | $14237.52 | $1186.46 | $2988.96 | $249.08 | $1416.00 | $118.00 | $0.00 | $7514.61 | $16110.44 | N/A | XXXX | XXXX | $118.00 | XXXX | Monthly | 36.24% | 36.08% | 36.08% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | Yes | 3 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime - 2 YRS W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 790 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 32735.18 | 4.4 | 181024.28 | 24.1 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110559 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1495 | 10/08/2025 | 6.310% | DU | Approve Ineligible | No | 6.775% |  | 6.750% | 6.750% | $9988.41 | No | $18734.16 | $1561.18 | $3218.04 | $268.17 | $0.00 | $0.00 | $0.00 | $11817.76 | $36871.34 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 27.02% | 27.07% | 27.07% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 1 | 2 | 1 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 982571.26 | 83.1 | 982571.26 | 83.1 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110560 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 23378.95 | 11/18/2025 | 6.230% | DU | Approve Ineligible | No | 6.893% |  | 6.750% | 6.750% | $14528.60 | No | $21050.64 | $1754.22 | $4881.00 | $406.75 | $0.00 | $0.00 | $0.00 | $16689.57 | $42096.73 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 33.36% | 33.36% | 33.36% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, SESoleProprietor, SESoleProprietor, SESoleProprietor, Other, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 768 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 8224803.05 | 492.8 | 8224803.05 | 492.8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110561 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 26595 | 09/25/2025 | 6.220% | DU | Approve Ineligible | No | 6.750% |  | 6.625% | 6.625% | $16071.81 | No | $33745.80 | $2812.15 | $4144.92 | $345.41 | $549.96 | $45.83 | $0.00 | $19275.20 | $45085.92 | N/A | XXXX | XXXX | $45.83 | XXXX | Annually | 40.74% | 31.48% | 31.48% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 \|\| Co Borrower - 1 YR Executed 4506T Verified | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 \|\| Co Borrower - 1 YR Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 757 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 2876094.76 | 149.2 | 2876094.76 | 149.2 | No | 62.75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110562 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1095 | 11/18/2025 | 6.230% | LP | Accept | No | 6.309% |  | 6.250% | 6.250% | $6775.54 | No | $27210.12 | $2267.51 | $4203.96 | $350.33 | $0.00 | $0.00 | $0.00 | $9393.38 | $16279.31 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 36.67% | 36.87% | 36.87% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 2 | NA | 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 | 12 | 12 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 789 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 372663.38 | 39.7 | 372663.38 | 39.7 | No | 69.98 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110563 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1725 | 10/02/2025 | 6.310% | DU | Approve Ineligible | No | 6.660% |  | 6.625% | 6.625% | $9886.40 | No | $17148.72 | $1429.06 | $1807.92 | $150.66 | $0.00 | $0.00 | $0.00 | $11466.12 | $23726.24 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 46.56% | 46.56% | 46.56% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 1 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 \|\| Co Borrower | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 753 |  |  |  |  |  |  |  |  | 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 | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 87719.99 | 7.7 | 87719.99 | 7.7 | No | 48.25 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110565 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 3098.84 | 10/30/2025 | 6.160% | LP | Accept | No | 6.317% |  | 6.250% | 6.250% | $6447.79 | No | $28033.32 | $2336.11 | $2145.00 | $178.75 | $900.00 | $75.00 | $0.00 | $9037.65 | $44024.27 | N/A | XXXX | XXXX | $75.00 | XXXX | Annually | 19.03% | 18.83% | 18.83% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Full Doc | 1 YR W2 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 1 | 2 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 1 YR W2 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 775 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 219558.06 | 24.3 | 219558.06 | 24.3 | No | 79.33 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110566 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 24853.73 | 09/26/2025 | 6.220% | DU | Approve Ineligible | No | 6.046% |  | 5.875% | 5.875% | $8393.33 | No | $13904.40 | $1158.70 | $2582.28 | $215.19 | $0.00 | $0.00 | $0.00 | $9767.22 | $26416.18 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 28.89% | 28.89% | 28.89% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 2 YRS W2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 33 | 33 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Bonus - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 780 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 33934.81 | 3.5 | 392723.99 | 40.2 | No | 77.75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110567 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 2908.54 | 10/22/2025 | 6.240% | DU | Approve Ineligible | No | 6.422% |  | 6.375% | 6.375% | $6553.13 | No | $7225.32 | $602.11 | $1617.00 | $134.75 | $2127.96 | $177.33 | $0.00 | $7467.32 | $14509.95 | N/A | XXXX | XXXX | $177.33 | XXXX | Annually | 48.13% | 48.13% | 48.13% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 43 | 12 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 767 |  |  |  |  |  |  |  |  | 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 | Other | USA PATRIOT ACT INFORMATION FORM | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1469577.47 | 196.8 | 1486261.44 | 199 | No | 60.65 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110568 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 9663.75 | 10/23/2025 | 6.240% | DU | Approve Ineligible | No | 6.534% |  | 6.375% | 6.375% | $5359.04 | No | $5644.80 | $470.40 | $3000.36 | $250.03 | $1890.00 | $157.50 | $0.00 | $6236.97 | $8175.02 | N/A | XXXX | XXXX | $157.50 | XXXX | Annually | 46.17% | 46.31% | 46.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 2 |  |  | 2 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, SEPartnership, SEPartnership, SSI and Disability - 2 YRS Business Tax Returns Verified(1120S, K1, 1065), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Business Tax Returns Verified(1120S, K1, 1065), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen |  | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 519620.17 | 83.3 | 519620.17 | 83.3 | No | 31.34 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110569 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1095 | 11/20/2025 | 6.230% | LP | Accept | No | 6.161% |  | 6.125% | 6.125% | $9378.61 | No | $13956.00 | $1163.00 | $4548.96 | $379.08 | $2499.96 | $208.33 | $0.00 | $11129.02 | $26273.55 | N/A | XXXX | XXXX | $208.33 | XXXX | Annually | 38.83% | 38.83% | 38.83% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability - 2 YRS Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified - ["2025"] - 2025 \|\| Co Borrower - SSI and Disability, Retirement - 2 YRS Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025"] - 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025"] - 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 776 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 304997.27 | 27.4 | 304997.27 | 27.4 | No | 60 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110570 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1795 | 11/12/2025 | 6.260% | LP | Accept | No | 6.205% |  | 6.125% | 6.125% | $14388.22 | No | $36999.96 | $3083.33 | $4698.96 | $391.58 | $7920.00 | $660.00 | $0.00 | $18523.13 | $74983.72 | N/A | XXXX | XXXX | $660.00 | XXXX | Monthly | 21.99% | 21.99% | 21.99% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 2 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 34 | 34 | Work Number | Yes | 22 | 22 | Work Number | No | 0 |  | N/A | Borrower - Wage, Bonus - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1, 1065), 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1, 1065), 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1, 1065), 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1, 1065), 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 783 |  |  |  |  |  |  |  |  | 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 | Other | USA PATRIOT ACT INFORMATION FORM | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT INFORMATION FORM | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 847832.96 | 45.8 | 1523033.32 | 82.2 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110571 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 2715 | 10/30/2025 | 6.160% | DU | Approve Ineligible | No | 6.276% |  | 6.250% | 6.250% | $12018.80 | No | $32962.92 | $2746.91 | $3481.80 | $290.15 | $0.00 | $0.00 | $0.00 | $15055.86 | $35525.10 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 42.54% | 42.41% | 42.41% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Bonus, Other, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage, Bonus - 1 YR Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 759 |  |  |  |  |  |  |  |  | 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 | USA PATRIOT ACT INFORMATION FORM | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License | USA PATRIOT ACT INFORMATION FORM | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 745538.65 | 49.5 | 745538.65 | 49.5 | No | 68.01 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110572 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1585 | 12/01/2025 | 6.190% | DU | Approve Ineligible | No | 6.810% |  | 6.750% | 6.750% | $6615.70 | No | $20718.72 | $1726.56 | $6363.00 | $530.25 | $660.00 | $55.00 | $0.00 | $8927.51 | $12844.52 | N/A | XXXX | XXXX | $55.00 | XXXX | Monthly | 48.72% | 48.72% | 48.72% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 33 | 33 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Bonus, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 463798.20 | 52 | 463798.20 | 52 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110573 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 4729.6 | 11/07/2025 | 6.170% | DU | Approve Ineligible | No | 6.472% |  | 6.375% | 6.375% | $5989.15 | No | $11555.04 | $962.92 | $2972.88 | $247.74 | $0.00 | $0.00 | $0.00 | $7199.81 | $32446.18 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 18.43% | 18.43% | 18.43% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 2 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 9 | Accountant/Bookkeeper | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, SESoleProprietor - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 810 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 536522.31 | 74.5 | 536522.31 | 74.5 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110574 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1895 | 11/24/2025 | 6.260% | DU | Approve Ineligible | No | 6.659% |  | 6.625% | 6.625% | $11520.47 | No | $15000.00 | $1250.00 | $4927.92 | $410.66 | $0.00 | $0.00 | $0.00 | $13181.13 | $32339.70 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 43.90% | 43.90% | 43.90% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Full Doc | 0 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 1 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 42.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - 1 YR Business Tax Returns Verified(K1), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023"] - 2023 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Business Tax Returns Verified(K1), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023"] - 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 768 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 578565.10 | 43.9 | 578565.10 | 43.9 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110575 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 15430 | 11/10/2025 | 6.260% | DU | Approve Ineligible | No | 7.023% |  | 6.875% | 6.875% | $9197.00 | No | $18233.28 | $1519.44 | $3444.12 | $287.01 | $0.00 | $0.00 | $0.00 | $11003.45 | $21233.17 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 39.00% | 39.00% | 39.00% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 1YR Full Doc | 1 YR W2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 33 | 33 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Commission, Other REO Net Rental Income(Loss) - 1 YR W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 235786.96 | 21.4 | 235786.96 | 21.4 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110576 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1090 | 11/10/2025 | 6.260% | DU | Approve Ineligible | No | 6.559% |  | 6.500% | 6.500% | $7584.82 | No | $14653.56 | $1221.13 | $6969.00 | $580.75 | $3399.96 | $283.33 | $0.00 | $9670.03 | $31369.97 | N/A | XXXX | XXXX | $283.33 | XXXX | Annually | 38.59% | 38.59% | 38.59% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 2 YRS W2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 1 | 2 | 1 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 294 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Bonus, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 758 |  |  |  |  |  |  |  |  | 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 | Other | Patriot Act Disclosure | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 271932.64 | 28.1 | 271932.64 | 28.1 | No | 78.69 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110577 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1585 | 11/10/2025 | 6.260% | DU | Accept Eligible | No | 5.956% |  | 5.875% | 5.875% | $5560.41 | No | $11749.92 | $979.16 | $1415.04 | $117.92 | $1848.00 | $154.00 | $0.00 | $6811.49 | $18591.80 | N/A | XXXX | XXXX | $154.00 | XXXX | Monthly | 36.07% | 36.07% | 36.07% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | Yes | 6 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 33 | 33 | Work Number | Yes | 33 | 33 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage, Bonus - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | I-551 Permanent Resident Card |  | XXXX | Canada | XXXX | XXXX | XXXX | I-551 Permanent Resident Card |  | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | I-551 Permanent Resident Card |  | XXXX | XXXX | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 80169.76 | 11.8 | 80169.76 | 11.8 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110578 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 124 | 11/12/2025 | 6.260% | DU | Approve Ineligible | No | 6.313% |  | 6.250% | 6.250% | $5362.27 | No | $15665.88 | $1305.49 | $1448.04 | $120.67 | $3420.00 | $285.00 | $0.00 | $7073.43 | $16482.75 | N/A | XXXX | XXXX | $285.00 | XXXX | Monthly | 35.67% | 37.57% | 37.57% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 215362.50 | 30.5 | 215362.50 | 30.5 | No | 80 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110579 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 5770.3 | 11/13/2025 | 6.260% | DU | Approve Ineligible | No | 6.323% |  | 6.250% | 6.250% | $9353.98 | No | $12992.16 | $1082.68 | $3111.96 | $259.33 | $1896.00 | $158.00 | $0.00 | $10853.99 | $15550.01 | N/A | XXXX | XXXX | $158.00 | XXXX | Monthly | 41.76% | 41.20% | 41.20% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024"] - 2023, 2024 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024"] - 2023, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 793 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 108383.87 | 10 | 108383.87 | 10 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110580 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 795 | 11/18/2025 | 6.230% | DU | Approve Ineligible | No | 6.560% |  | 6.500% | 6.500% | $7964.06 | No | $6601.20 | $550.10 | $3981.00 | $331.75 | $600.00 | $50.00 | $0.00 | $8895.91 | $32436.42 | N/A | XXXX | XXXX | $50.00 | XXXX | Annually | 21.71% | 21.71% | 21.71% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 1YR Full Doc | 0 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 84 | 12 | Work Number | No | 0 |  | N/A | Borrower - Note Receivable - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 786 |  |  |  |  |  |  |  |  | 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 | Other | USA PATRIOT ACT INFORMATION FORM | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT INFORMATION FORM | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 302777.84 | 34 | 302777.84 | 34 | No | 45.82 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110581 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 101 | 11/19/2025 | 6.230% | DU | Approve Ineligible | No | 6.308% |  | 6.250% | 6.250% | $11821.77 | No | $36998.04 | $3083.17 | $1197.00 | $99.75 | $4140.00 | $345.00 | $0.00 | $15349.69 | $23404.83 | N/A | XXXX | XXXX | $345.00 | XXXX | Monthly | 49.92% | 49.98% | 49.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 YR W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 117 | 12 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), SEPartnership - 1 YR W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 446200.86 | 29.1 | 446200.86 | 29.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110582 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1945 | 11/19/2025 | 6.230% | DU | Approve Ineligible | No | 6.512% |  | 6.500% | 6.500% | $10444.61 | No | $22804.32 | $1900.36 | $6021.36 | $501.78 | $4008.00 | $334.00 | $0.00 | $13180.75 | $35369.50 | N/A | XXXX | XXXX | $334.00 | XXXX | Monthly | 33.56% | 33.56% | 33.56% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 1 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 87.50% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - 1 YR Business Tax Returns Verified(K1, 1065), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Business Tax Returns Verified(K1, 1065), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 785 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 126536.42 | 9.6 | 126536.42 | 9.6 | No | 55.08 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110583 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 2039 | 11/20/2025 | 6.230% | LP | Accept | No | 6.311% |  | 6.250% | 6.250% | $9506.68 | No | $13423.56 | $1118.63 | $3233.04 | $269.42 | $0.00 | $0.00 | $0.00 | $10894.73 | $34175.45 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 29.58% | 29.58% | 29.58% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 0 | 2 YRS W2 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 12 | 12 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 774 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 432526.11 | 39.7 | 432526.11 | 39.7 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110584 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 126 | 11/20/2025 | 6.230% | DU | Approve Ineligible | No | 6.925% |  | 6.875% | 6.875% | $6301.26 | No | $18526.80 | $1543.90 | $3715.56 | $309.63 | $3324.00 | $277.00 | $0.00 | $8431.79 | $10310.05 | N/A | XXXX | XXXX | $277.00 | XXXX | Monthly | 47.93% | 47.93% | 47.93% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 12 | 12 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Retirement - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 725 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 59014.05 | 7 | 59014.05 | 7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110585 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 523.62 | 11/21/2025 | 6.230% | DU | Approve Ineligible | No | 6.568% |  | 6.500% | 6.500% | $5815.03 | No | $16341.96 | $1361.83 | $7689.84 | $640.82 | $0.00 | $0.00 | $0.00 | $7817.68 | $17903.70 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 38.59% | 38.60% | 38.60% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 YR W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 12 | 12 | Work Number | No | 0 |  | N/A | Borrower - Wage, Bonus, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 781 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 766007.64 | 98 | 766007.64 | 98 | No | 50.55 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110586 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 990 | 11/21/2025 | 6.230% | DU | Approve Ineligible | No | 6.689% |  | 6.625% | 6.625% | $7171.48 | No | $21492.72 | $1791.06 | $4670.04 | $389.17 | $0.00 | $0.00 | $0.00 | $9351.71 | $19263.29 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 42.21% | 42.21% | 42.21% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 762 |  |  |  |  |  |  |  |  | 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 | Other | USA PATRIOT ACT INFORMATION FORM | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 521894.43 | 55.8 | 521894.43 | 55.8 | No | 58.33 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110587 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 6858 | 11/25/2025 | 6.260% | LP | Approve Ineligible | No | 6.248% |  | 6.125% | 6.125% | $8263.50 | No | $21322.56 | $1776.88 | $3338.04 | $278.17 | $576.00 | $48.00 | $3127.22 | $13493.77 | $28537.80 | N/A | XXXX | XXXX | $48.00 | XXXX | Monthly | 45.59% | 45.45% | 45.45% | No | No | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified | 3 - Stated, Partially Verified | 5 - Stated, 2YRs Verified + CPA Letter | 3 - Stated, 3rd Party Verification | 3 - Stated, 3rd Party Verification | Self-Employed | Employed | Self-Employed | Employed | 2.70 | 22.81 | 1YR Full Doc | 2 YRS W2 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Audited | 12 | CPA | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, SESoleProprietor, SESoleProprietor, SESoleProprietor, Other, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, 1120S, K1), YTD Profit And Loss Verified, 2 YRS W2 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower 2 - SESoleProprietor, Wage, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower 3 - Wage, Retirement - 2 YRS Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, 1120S, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower 2 - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower 3 - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 796 | 796 | 790 | 800 | 809 | 821 | 812 | 796 | 812 | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Other | USA Patriot Act Information form | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  |  | N/A |  |  | Fee Simple |  | No | No | N/A | 1896183.39 | 140.5 | 1896183.39 | 140.5 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | Borrower As Individual | Borrower As Individual | XXXX | XXXX | XXXX | XXXX |
| 10110588 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 5953.8 | 12/03/2025 | 6.190% | LP | Approve Eligible | No | 6.731% |  | 6.625% | 6.625% | $6633.62 | No | $8985.24 | $748.77 | $1974.00 | $164.50 | $0.00 | $0.00 | $0.00 | $7546.89 | $23484.29 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 26.85% | 27.02% | 27.02% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2023"] - 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2023"] - 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2023"] - 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2023"] - 2024, 2023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 780 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 404006.49 | 53.5 | 404006.49 | 53.5 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110589 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1395 | 11/21/2025 | 6.230% | DU | Approve Eligible | No | 6.461% |  | 6.375% | 6.375% | $6238.70 | No | $12816.60 | $1068.05 | $2898.00 | $241.50 | $0.00 | $0.00 | $0.00 | $7548.25 | $23636.75 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 28.15% | 27.27% | 27.27% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 12 | 12 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 784 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 209909.82 | 27.8 | 209909.82 | 27.8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110590 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1345 | 12/01/2025 | 6.190% | DU | Approve Ineligible | No | 6.919% |  | 6.875% | 6.875% | $9144.45 | No | $6886.08 | $573.84 | $4467.84 | $372.32 | $750.00 | $62.50 | $0.00 | $10153.11 | $33202.31 | N/A | XXXX | XXXX | $62.50 | XXXX | Annually | 45.60% | 41.25% | 41.25% | Yes | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | Less than 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 1 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, SEPartnership, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1, 1120S), Less than 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SEPartnership, SEPartnership - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1, 1120S), Less than 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1, 1120S), 1 YR Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1, 1120S), 1 YR Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 72406.11 | 7.1 | 72406.11 | 7.1 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110591 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 8540 | 10/14/2025 | 6.290% | DU | Approve Ineligible | No | 6.447% |  | 6.375% | 6.375% | $8858.95 | No | $43735.20 | $3644.60 | $6720.60 | $560.05 | $0.00 | $0.00 | $0.00 | $13063.60 | $28086.52 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 44.75% | 44.14% | 44.14% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 793 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 217374.36 | 16.6 | 217374.36 | 16.6 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110592 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 19971.28 | 11/07/2025 | 6.170% | DU | Approve Ineligible | No | 6.334% |  | 6.125% | 6.125% | $6494.75 | No | $16902.72 | $1408.56 | $4008.96 | $334.08 | $300.00 | $25.00 | $0.00 | $8262.39 | $18868.19 | N/A | XXXX | XXXX | $25.00 | XXXX | Annually | 33.87% | 33.71% | 33.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 YR W2 |  | NA |  | N/A | 0 |  |  | 0 | 1 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 1 YR Business Tax Returns Verified(1120S), 1 YR W2 Verified, 2 YRS Executed 4506T Verified - ["2024"] - 2024 | Borrower - 1 YR Business Tax Returns Verified(1120S), 2 YRS Executed 4506T Verified - ["2024"] - 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 789 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 96438.95 | 11.7 | 98438.95 | 11.9 | No | 75.46 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110593 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 3108.72 | 10/20/2025 | 6.240% | DU | Approve Ineligible | No | 6.529% |  | 6.500% | 6.500% | $7256.14 | No | $4267.56 | $355.63 | $2793.12 | $232.76 | $0.00 | $0.00 | $0.00 | $7844.53 | $26688.16 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 35.01% | 35.01% | 35.01% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 1 YR W2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 2 | 0 | 2 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 78 | 12 | Work Number | Yes | 40 | 12 | Work Number | No | 0 |  | N/A | Borrower - Wage, SEPartnership, SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Business Tax Returns Verified(1065, K1), 2 YRS W2 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - SEPartnership, SESoleProprietor, SEPartnership, SEPartnership - 2 YRS Business Tax Returns Verified(1065, K1, 1120S), 1 YR W2 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Business Tax Returns Verified(1065, K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Business Tax Returns Verified(1065, K1, 1120S), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 754 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 863559.39 | 110.1 | 863807.96 | 110.1 | No | 50.44 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110594 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 0 | 09/23/2025 | 6.220% | DU | Approve Ineligible | No | 6.250% |  | 6.250% | 6.250% | $5960.14 | No | $3612.96 | $301.08 | $1389.00 | $115.75 | $0.00 | $0.00 | $0.00 | $6376.97 | $18547.87 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 37.82% | 37.89% | 37.89% | Yes | Yes |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 32 | 32 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Bonus - 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - N/A | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 800 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 443500.44 | 69.6 | 443500.44 | 69.6 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110595 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1499 | 11/07/2025 | 6.170% | DU | Approve Eligible | No | 6.685% |  | 6.625% | 6.625% | $6098.92 | No | $8508.12 | $709.01 | $3672.00 | $306.00 | $1500.00 | $125.00 | $0.00 | $7238.93 | $18106.64 | N/A | XXXX | XXXX | $125.00 | XXXX | Monthly | 30.82% | 31.28% | 31.28% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 33 | 33 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Bonus - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 801 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 370197.68 | 51.1 | 370197.68 | 51.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110596 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1195 | 10/31/2025 | 6.160% | LP | Approve Ineligible | No | 6.422% |  | 6.375% | 6.375% | $6862.57 | No | $5541.48 | $461.79 | $1103.88 | $91.99 | $960.00 | $80.00 | $0.00 | $7496.35 | $27117.04 | Yes | XXXX | XXXX | $80.00 | XXXX | Monthly | 24.72% | 24.72% | 24.72% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 35 | 35 | Work Number | Yes | 2 | 2 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 796 |  |  |  |  |  |  |  |  | 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 | Passport |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Passport |  | XXXX | XXXX | XXXX | United States of America (USA) | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 497256.56 | 66.3 | 497256.56 | 66.3 | No | 70.2 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110597 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 6825.36 | 11/05/2025 | 6.170% | DU | Approve Ineligible | No | 6.580% |  | 6.500% | 6.500% | $6775.77 | No | $16749.96 | $1395.83 | $8293.08 | $691.09 | $0.00 | $0.00 | $0.00 | $8862.69 | $59591.27 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 26.05% | 25.43% | 25.43% | Yes | Yes | 4 - Verified 2+ Mos |  | 5 - Stated, 2YRs Verified + CPA Letter |  | 3 - Stated, 3rd Party Verification |  | Employed | Not Employed | Employed |  | 25.20 |  | 2YR Full Doc | 2 YRS W2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Commission - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2023","2024"] - 2023, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower 2 - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2023","2024"] - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024"] - 2023, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower 2 - 3 YRS Executed 4506T Verified - ["2023","2024"] - 2023, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 735 | 724 | 735 | 740 |  |  |  | 735 |  | 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 | Other | Patriot Act Form | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 410794.13 | 46.4 | 927726.97 | 104.7 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | Borrower As Individual | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110598 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 2165 | 11/14/2025 | 6.260% | DU | Approve Ineligible | No | 6.672% |  | 6.625% | 6.625% | $11199.04 | No | $14837.88 | $1236.49 | $1904.04 | $158.67 | $0.00 | $0.00 | $0.00 | $12594.20 | $32309.03 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 43.49% | 43.49% | 43.49% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 2 YRS W2 | NA | NA | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 51.00% | 49.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 2 YRS W2 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024"] - 2023, 2024 \|\| Co Borrower - SEPartnership - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 2 YRS W2 Verified, 1 YR IRS Transcripts Verified - ["2023","2024"] - 2023, 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024"] - 2023, 2024 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 1 YR IRS Transcripts Verified - ["2023","2024"] - 2023, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 784 |  |  |  |  |  |  |  |  | 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 | Other | USA PATRIOT ACT INFORMATION FORM | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT INFORMATION FORM | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 462775.45 | 36.8 | 462775.45 | 36.8 | No | 67.27 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110599 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 3851.24 | 11/14/2025 | 6.260% | DU | Approve Ineligible | No | 6.428% |  | 6.375% | 6.375% | $6257.42 | No | $8463.72 | $705.31 | $3339.00 | $278.25 | $0.00 | $0.00 | $0.00 | $7240.98 | $15220.11 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 42.13% | 42.23% | 42.23% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 1 YR W2 | 2 YRS W2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 727 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 54403.89 | 7.5 | 54403.89 | 7.5 | No | 78.98 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110600 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 10555 | 11/13/2025 | 6.260% | DU | Approve Eligible | No | 6.761% |  | 6.625% | 6.625% | $6403.11 | No | $15819.24 | $1318.27 | $1972.68 | $164.39 | $0.00 | $0.00 | $0.00 | $7885.77 | $11856.81 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 43.08% | 43.08% | 43.08% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage, SESoleProprietor - 2 YRS Personal Tax Returns Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 768 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 32075.78 | 4.1 | 33921.63 | 4.3 | No | 76.92 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110601 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1590 | 11/13/2025 | 6.260% | DU | Approve Ineligible | No | 6.324% |  | 6.250% | 6.250% | $6120.23 | No | $27945.00 | $2328.75 | $4394.76 | $366.23 | $4380.00 | $365.00 | $0.00 | $9180.21 | $27486.87 | N/A | XXXX | XXXX | $365.00 | XXXX | Monthly | 34.38% | 35.15% | 35.15% | Yes |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | Yes |  | No | No | 240 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion, Retirement - 2 YRS Executed 4506T Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 812 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 2115803.50 | 230.5 | 2115803.50 | 230.5 | No | 53.35 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110603 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 0 | 11/18/2025 | 6.230% | DU | Approve | No | 6.328% |  | 6.250% | 6.250% | $6280.32 | No | $9468.84 | $789.07 | $4914.24 | $409.52 | $660.00 | $55.00 | $0.00 | $7533.91 | $42992.89 | N/A | XXXX | XXXX | $55.00 | XXXX | Monthly | 27.47% | 27.28% | 27.28% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | 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 | 12 | 12 | Work Number | Yes | 12 | 12 | Work Number | No | 0 |  | N/A | Borrower - Wage, Bonus - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 81737.06 | 10.9 | 81737.06 | 10.9 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110604 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 2411 | 11/24/2025 | 6.260% | DU | Approve Eligible | No | 6.484% |  | 6.375% | 6.375% | $5689.69 | No | $11812.20 | $984.35 | $1635.00 | $136.25 | $8880.00 | $740.00 | $0.00 | $7550.29 | $16316.31 | N/A | XXXX | XXXX | $740.00 | XXXX | Monthly | 42.93% | 42.93% | 42.93% | No | Yes |  |  |  |  |  |  | Retired | Not Employed |  |  |  |  | 2YR Full Doc | 2 YRS 1099 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 0 | 0 | 0 | 2 | 1 | Yes | 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 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement, Retirement, Retirement, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS 1099 Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - N/A - 2 YRS Executed 4506T Verified - [] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - [] | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 88681.32 | 11.8 | 88681.32 | 11.8 | No | 80 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110606 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 27912.75 | 11/21/2025 | 6.230% | DU | Approve Ineligible | No | 6.229% |  | 6.000% | 6.000% | $7935.56 | No | $13133.04 | $1094.42 | $1452.96 | $121.08 | $3840.00 | $320.00 | $0.00 | $9471.06 | $11484.10 | N/A | XXXX | XXXX | $320.00 | XXXX | Monthly | 48.19% | 48.19% | 48.19% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 35 | 35 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Bonus, Other - 2 YRS W2 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 744 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1236633.46 | 130.6 | 1236633.46 | 130.6 | No | 51.96 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110608 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 995 | 09/12/2025 | 6.540% | DU | Approve Ineligible | No | 6.876% |  | 6.875% | 6.875% | $12613.03 | No | $7049.40 | $587.45 | $5053.80 | $421.15 | $699.96 | $58.33 | $0.00 | $13679.96 | $19012.97 | N/A | XXXX | XXXX | $58.33 | XXXX | Annually | 36.88% | 44.76% | 44.76% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 48 | 12 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Bonus, Other - 2 YRS Personal Tax Returns Verified, 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025"] - 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025"] - 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 743 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 194838.08 | 14.2 | 465969.79 | 34.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110609 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 126 | 11/24/2025 | 6.260% | DU | Approve Ineligible | No | 6.042% |  | 6.000% | 6.000% | $5689.66 | No | $6524.28 | $543.69 | $926.04 | $77.17 | $1644.00 | $137.00 | $0.00 | $6447.52 | $14762.48 | N/A | XXXX | XXXX | $137.00 | XXXX | Monthly | 38.76% | 38.76% | 38.76% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 YR W2 | 1 YR W2 | Less than 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 12 | 12 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 Verified, Less than 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - Wage - 1 YR W2 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 720 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 413506.60 | 64.1 | 413506.60 | 64.1 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110610 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 11918.75 | 12/08/2025 | 6.220% | LP | Approve Eligible | No | 6.268% |  | 6.125% | 6.125% | $6835.62 | No | $10389.96 | $865.83 | $2243.64 | $186.97 | $1296.00 | $108.00 | $0.00 | $7996.42 | $24528.55 | N/A | XXXX | XXXX | $108.00 | XXXX | Monthly | 30.58% | 30.57% | 30.57% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 0 | Less than 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 12 | 12 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Wage, Wage - 2 YRS W2 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Retirement - 2 YRS Executed 4506T Verified, Award Letter Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 764 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License | USA Patriot Act | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 204510.45 | 25.6 | 204510.45 | 25.6 | No | 65.22 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110611 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1479 | 11/25/2025 | 6.260% | LP | Accept | No | 6.925% |  | 6.875% | 6.875% | $9361.24 | No | $34401.96 | $2866.83 | $11328.36 | $944.03 | $0.00 | $0.00 | $0.00 | $13172.10 | $75027.90 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 22.62% | 22.62% | 22.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 12 | 12 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Bonus, SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 711 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1042186.30 | 79.1 | 1042186.30 | 79.1 | No | 50 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110612 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 0 | 11/26/2025 | 6.260% | DU | Approve Ineligible | No | 6.583% |  | 6.500% | 6.500% | $6320.68 | No | $17712.00 | $1476.00 | $9920.16 | $826.68 | $0.00 | $0.00 | $0.00 | $8623.36 | $28593.30 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 31.84% | 31.38% | 31.38% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 2 YRS W2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 735 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 249879.14 | 29 | 249879.14 | 29 | No | 58.82 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110613 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 7050 | 12/01/2025 | 6.190% | DU | Approve Ineligible | No | 6.832% |  | 6.750% | 6.750% | $8172.34 | No | $10953.12 | $912.76 | $7530.00 | $627.50 | $0.00 | $0.00 | $0.00 | $9712.60 | $61739.06 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 26.02% | 26.02% | 26.02% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 36 | 24 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 766 |  |  |  |  |  |  |  |  | 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 | Other | USA PATRIOT ACT INFORMATION FORM | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 688491.10 | 70.9 | 688491.10 | 70.9 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110614 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 4260 | 12/03/2025 | 6.190% | DU | Approve Eligible | No | 6.456% |  | 6.375% | 6.375% | $6238.70 | No | $18750.00 | $1562.50 | $2384.04 | $198.67 | $0.00 | $0.00 | $0.00 | $7999.87 | $9758.62 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 52.42% | 45.09% | 45.09% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 1 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 796 |  |  |  |  |  |  |  |  | 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 | Other | USA PATRIOT ACT INFORMATION FORM | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1342597.75 | 167.8 | 1342597.75 | 167.8 | No | 66.67 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110615 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 16448 | 12/03/2025 | 6.190% | DU | Approve Eligible | No | 7.100% |  | 6.875% | 6.875% | $6897.75 | No | $16875.00 | $1406.25 | $3620.04 | $301.67 | $0.00 | $0.00 | $0.00 | $8605.67 | $23793.33 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 41.00% | 41.00% | 41.00% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Full Doc | 1 YR W2 | 2 YRS W2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 1 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 68.30% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 1 YR W2 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 706 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 360381.74 | 41.9 | 63091.72 | 7.3 | No | 77.78 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110616 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1890 | 11/26/2025 | 6.260% | DU | Approve Eligible | No | 6.673% |  | 6.625% | 6.625% | $5625.13 | No | $18167.52 | $1513.96 | $482.04 | $40.17 | $7320.00 | $610.00 | $0.00 | $7789.26 | $10848.21 | Yes | XXXX | XXXX | $610.00 | XXXX | Monthly | 44.01% | 44.01% | 44.01% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | 2+ Months |  | N/A | 0 |  |  | 1 | 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 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Bonus, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | USA PATRIOT ACT INFORMATION FORM | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 311864.04 | 40 | 311864.04 | 40 | No | 79.86 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10110617 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 11057.19 | 12/04/2025 | 6.190% | DU | Approve Ineligible | No | 6.392% |  | 6.250% | 6.250% | $5961.68 | No | $6437.88 | $536.49 | $4023.60 | $335.30 | $3612.00 | $301.00 | $0.00 | $7134.47 | $31428.60 | N/A | XXXX | XXXX | $301.00 | XXXX | Monthly | 30.56% | 30.57% | 30.57% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 YR W2 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 50.16% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 1 YR W2 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 807 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 138291.58 | 19.4 | 138291.58 | 19.4 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146712 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 0 | 11/19/2025 | 6.230% | DU | Approve Ineligible | No | 6.162% |  | 6.125% | 6.125% | $10894.30 | No | $39322.20 | $3276.85 | $1450.80 | $120.90 | $4140.00 | $345.00 | $0.00 | $14637.05 | $24818.40 | N/A | XXXX | XXXX | $345.00 | XXXX | Monthly | 35.11% | 37.49% | 37.49% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 1 Month Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2024"] - 2024 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), Executed 4506T Verified, IRS Transcripts Verified - ["2024"] - 2024 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 802 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 143014.93 | 9.8 | 143014.93 | 9.8 | No | 60 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146713 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 31093.8 | 01/02/2026 | 6.250% | LP | Accept | No | 7.633% |  | 7.375% | 7.373% | $10774.53 | No | $11002.44 | $916.87 | $13004.04 | $1083.67 | $0.00 | $0.00 | $0.00 | $12775.07 | $60339.35 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 26.17% | 26.17% | 26.17% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Full Doc | 0 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 0 | 1 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1, 1065), 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1, 1065), 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 762 |  |  |  |  |  |  |  |  | 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 | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 422831.58 | 33.1 | 422831.58 | 33.1 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146714 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 26199 | 12/22/2025 | 6.250% | DU | Approve Ineligible | No | 6.586% |  | 6.250% | 6.250% | $5849.31 | No | $15904.20 | $1325.35 | $3699.96 | $308.33 | $6336.00 | $528.00 | $0.00 | $8010.99 | $49435.42 | N/A | XXXX | XXXX | $528.00 | XXXX | Monthly | 18.29% | 18.27% | 18.27% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 YR W2 | 1 YR W2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other, Other REO Net Rental Income(Loss) - 1 YR W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 1 YR W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1690308.38 | 211 | 1690308.38 | 211 | No | 61.29 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146715 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 14419.8 | 12/18/2025 | 6.270% | DU | Approve Eligible | No | 6.544% |  | 6.375% | 6.375% | $5989.15 | No | $18421.56 | $1535.13 | $2878.68 | $239.89 | $0.00 | $0.00 | $0.00 | $7764.17 | $17408.94 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 44.26% | 44.46% | 44.46% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 1 YR W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 0 | 0 | 1 | 1 | NA | 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 | NA | 0 | 0 | N/A | Yes | 60 | 24 | Other | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 1 YR W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 1 YR Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 805 |  |  |  |  |  |  |  |  | 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 | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 70409.44 | 9.1 | 70409.44 | 9.1 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146716 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 5481 | 10/28/2025 | 6.160% | LP | Accept | No | 6.202% |  | 6.125% | 6.125% | $6683.72 | No | $8106.36 | $675.53 | $3093.00 | $257.75 | $500.04 | $41.67 | $0.00 | $7658.67 | $20711.99 | N/A | XXXX | XXXX | $41.67 | XXXX | Annually | 37.55% | 37.55% | 37.55% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 804 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Other | USA Patriot | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 504322.27 | 65.9 | 504322.27 | 65.9 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146717 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 14077.42 | 12/03/2025 | 6.190% | DU | Approve Ineligible | No | 6.777% |  | 6.750% | 6.750% | $9100.79 | No | $21924.24 | $1827.02 | $1218.00 | $101.50 | $1332.00 | $111.00 | $0.00 | $11140.31 | $16653.28 | N/A | XXXX | XXXX | $111.00 | XXXX | Monthly | 43.51% | 42.51% | 42.51% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 12 | 12 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Bonus, Other - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 493607.26 | 44.3 | 493607.26 | 44.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146718 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 11269 | 12/18/2025 | 6.270% | DU | Approve Ineligible | No | 6.274% |  | 6.250% | 6.250% | $6218.74 | No | $3046.92 | $253.91 | $2424.96 | $202.08 | $3000.00 | $250.00 | $0.00 | $6924.73 | $16909.09 | N/A | XXXX | XXXX | $250.00 | XXXX | Annually | 44.08% | 44.08% | 44.08% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 YR W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 60 | 24 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Commission, Bonus, Other REO Net Rental Income(Loss) - 1 YR W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 783 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1586074.28 | 229 | 1586074.28 | 229 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146719 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 8074 | 11/18/2025 | 6.230% | DU | Approve Eligible | No | 6.399% |  | 6.250% | 6.250% | $6157.17 | No | $15626.16 | $1302.18 | $3557.04 | $296.42 | $0.00 | $0.00 | $0.00 | $7755.77 | $18446.02 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 21.98% | 41.11% | 41.11% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 2YR Full Doc | 2 YRS 1099 | 2 YRS W2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | 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 | NA | 0 | 0 | N/A | Yes | 12 | 12 | Other | No | 0 |  | N/A | Borrower - Retirement, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS 1099 Verified, 1 YR Executed 4506T Verified - ["2024"] - 2024 \|\| Co Borrower - Wage, Bonus - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | Borrower - 1 YR Executed 4506T Verified - ["2024"] - 2024 \|\| Co Borrower - 1 YR Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 816 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 58699.37 | 7.6 | 58699.37 | 7.6 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146720 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 21162.64 | 12/02/2025 | 6.190% | DU | Approve Ineligible | No | 6.657% |  | 6.625% | 6.625% | $12763.86 | No | $24917.28 | $2076.44 | $1574.04 | $131.17 | $0.00 | $0.00 | $0.00 | $14971.47 | $57343.54 | N/A | XXXX | XXXX | $0.00 | XXXX | Monthly | 26.09% | 26.09% | 26.09% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 YR W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 33 | 33 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 | Passport |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 261398.53 | 17.5 | 261398.53 | 17.5 | No | 72.67 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146721 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 19300.08 | 11/20/2025 | 6.230% | DU | Approve Eligible | No | 6.750% |  | 6.625% | 6.625% | $11858.56 | No | $7825.68 | $652.14 | $2286.00 | $190.50 | $0.00 | $0.00 | $0.00 | $12701.20 | $21479.60 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 45.33% | 40.33% | 40.33% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 YR W2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 1 |  |  | 0 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, 1120), 1 YR W2 Verified, 1 Month Paystubs Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, 1120), 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 776 |  |  |  |  |  |  |  |  | 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 | Other | USA PATRIOT ACT | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 205721.50 | 16.2 | 205721.50 | 16.2 | No | 78.74 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146722 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 12375 | 12/02/2025 | 6.190% | DU | Approve Ineligible | No | 6.633% |  | 6.500% | 6.500% | $6257.47 | No | $7930.56 | $660.88 | $2400.96 | $200.08 | $0.00 | $0.00 | $0.00 | $7118.43 | $34433.83 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 33.84% | 34.26% | 34.26% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 YRS W2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 2 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 79 | 12 | Other | No | 0 |  | N/A | Borrower - SESCorp - 2 YRS Business Tax Returns Verified(K1, 1120), 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Business Tax Returns Verified(K1, 1120), 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 795 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 580284.52 | 81.5 | 580284.52 | 81.5 | No | 79.2 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146723 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 18008.74 | 12/03/2025 | 6.190% | DU | Approve Eligible | No | 6.449% |  | 6.375% | 6.375% | $5734.61 | No | $11726.04 | $977.17 | $1725.00 | $143.75 | $0.00 | $0.00 | $0.00 | $6855.53 | $14462.27 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 32.24% | 32.24% | 32.24% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 12 | 12 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Bonus - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 793 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 350868.03 | 51.2 | 350868.03 | 51.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146724 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 15617 | 11/24/2025 | 6.260% | Manual Underwriting | Manual Underwriting | No | 6.414% |  | 6.250% | 6.250% | $7942.75 | No | $21933.24 | $1827.77 | $1506.12 | $125.51 | $0.00 | $0.00 | $0.00 | $9896.03 | $28642.07 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 27.27% | 27.27% | 27.27% | No |  | 3 - Verified<2Mos |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 | Other | USA PATRIOT ACT INFORMATION FORM | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 400195.51 | 40.4 | 400195.51 | 40.4 | No | 59.58 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146725 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 33402.22 | 01/02/2026 | 6.250% | DU | Approve Ineligible | No | 6.268% |  | 6.125% | 6.125% | $7695.58 | No | $33000.00 | $2750.00 | $4517.04 | $376.42 | $750.00 | $62.50 | $0.00 | $10884.50 | $19874.51 | N/A | XXXX | XXXX | $62.50 | XXXX | Annually | 36.40% | 36.40% | 36.40% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 YR W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 761 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 376138.35 | 34.6 | 376138.35 | 34.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146726 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 12169 | 12/02/2025 | 6.190% | DU | Approve Ineligible | No | 6.392% |  | 6.250% | 6.250% | $6772.89 | No | $13728.84 | $1144.07 | $7218.00 | $601.50 | $360.00 | $30.00 | $0.00 | $8548.46 | $13618.29 | N/A | XXXX | XXXX | $30.00 | XXXX | Annually | 46.56% | 46.56% | 46.56% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 2 YRS W2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 12 | 12 | Work Number | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage, Commission - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 797 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 195502.39 | 22.9 | 195502.39 | 22.9 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146727 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 20669 | 12/03/2025 | 6.190% | DU | Approve Ineligible | No | 6.534% |  | 6.375% | 6.375% | $9732.37 | No | $29430.60 | $2452.55 | $1128.00 | $94.00 | $0.00 | $0.00 | $0.00 | $12278.92 | $33906.73 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 26.73% | 26.73% | 26.73% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 24 | 24 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Bonus - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 797 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 312594.14 | 25.5 | 312594.14 | 25.5 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146728 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 0 | 12/19/2025 | 6.270% | DU | Approve Ineligible | No | 6.712% |  | 6.625% | 6.625% | $9724.72 | No | $35558.88 | $2963.24 | $5380.08 | $448.34 | $120.00 | $10.00 | $0.00 | $13146.30 | $23246.57 | N/A | XXXX | XXXX | $10.00 | XXXX | Annually | 43.12% | 43.12% | 43.12% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Other, Other \|\| Co Borrower - Other, Retirement | Borrower \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 742 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1259508.33 | 95.8 | 1259508.33 | 95.8 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146729 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 11201 | 12/04/2025 | 6.190% | DU | Approve Ineligible | No | 6.517% |  | 6.375% | 6.375% | $11379.39 | No | $8331.00 | $694.25 | $1724.04 | $143.67 | $0.00 | $0.00 | $0.00 | $12217.31 | $15653.89 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 43.83% | 43.83% | 43.83% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 12 | 12 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | I-551 Permanent Resident Card |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 385556.68 | 31.6 | 385556.68 | 31.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146730 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 10959.88 | 12/09/2025 | 6.220% | DU | Approve Ineligible | No | 6.258% |  | 6.125% | 6.125% | $6911.57 | No | $8000.16 | $666.68 | $2367.00 | $197.25 | $1716.00 | $143.00 | $0.00 | $7918.50 | $35514.19 | N/A | XXXX | XXXX | $143.00 | XXXX | Annually | 18.86% | 18.86% | 18.86% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 44 | 12 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 791 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1310954.97 | 165.6 | 1310954.97 | 165.6 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146731 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 14072.04 | 12/10/2025 | 6.220% | DU | Approve Ineligible | No | 6.642% |  | 6.625% | 6.625% | $7141.91 | No | $19260.12 | $1605.01 | $1503.00 | $125.25 | $1500.00 | $125.00 | $0.00 | $8997.17 | $15919.51 | N/A | XXXX | XXXX | $125.00 | XXXX | Monthly | 43.87% | 43.87% | 43.87% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Passport |  | XXXX | XXXX | XXXX | United States of America (USA) | XXXX | R-1 Visa |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 219105.90 | 24.4 | 219105.90 | 24.4 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146732 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 27570.2 | 12/17/2025 | 6.270% | DU | Approve Ineligible | No | 6.326% |  | 6.250% | 6.250% | $12068.06 | No | $26733.00 | $2227.75 | $6078.00 | $506.50 | $0.00 | $0.00 | $0.00 | $14802.31 | $23485.90 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 44.74% | 42.20% | 42.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 744 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 119158.17 | 8 | 299685.78 | 20.3 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146733 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 22385.2 | 12/12/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 6.754% |  | 6.625% | 6.625% | $5506.67 | No | $3082.32 | $256.86 | $2085.96 | $173.83 | $0.00 | $0.00 | $0.00 | $5937.36 | $9129.16 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 43.58% | 43.58% | 43.58% | No | No | 4 - Verified 2+ Mos | 3 - Verified<2Mos |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 YR W2 | 1 YR W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds,Stocks/Bonds,Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 24 | 24 | Work Number | Yes | 60 | 24 | Work Number | No | 0 |  |  | Borrower - Wage, Commission - 1 YR W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage, Overtime, Bonus - 1 YR W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | Yes | No | N/A | 109543.72 | 18.5 | 109543.72 | 18.5 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146734 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 16167.8 | 12/18/2025 | 6.270% | DU | Approve Eligible | No | 7.197% |  | 7.125% | 7.125% | $6844.98 | No | $11932.92 | $994.41 | $2194.56 | $182.88 | $0.00 | $0.00 | $0.00 | $8022.27 | $18515.57 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 38.28% | 38.28% | 38.28% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 764 |  |  |  |  |  |  |  |  | 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 | Other | USA Patriot | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Other | USA Patriot | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 125306.88 | 15.6 | 204146.69 | 25.5 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146735 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 31160.66 | 12/16/2025 | 6.270% | DU | Approve Ineligible | No | 6.792% |  | 6.750% | 6.750% | $12180.67 | No | $16544.64 | $1378.72 | $3468.00 | $289.00 | $0.00 | $0.00 | $0.00 | $13848.39 | $53105.29 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 45.59% | 26.92% | 26.92% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 | Missing |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 118206.17 | 8.5 | 118206.17 | 8.5 | No | 78.25 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146736 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 20197.3 | 12/19/2025 | 6.270% | DU | Approve Ineligible | No | 6.595% |  | 6.500% | 6.500% | $6383.89 | No | $6812.88 | $567.74 | $3989.04 | $332.42 | $0.00 | $0.00 | $0.00 | $7284.05 | $20724.44 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 40.53% | 41.15% | 41.15% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 2YR Full Doc | 1 YR W2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 23 | 23 | Other | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Bonus, SESoleProprietor, Retirement - 2 YRS Personal Tax Returns Verified, 1 YR W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - N/A - 2 YRS Personal Tax Returns Verified, 3 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS IRS Transcripts Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 795 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1068578.86 | 146.7 | 1068578.86 | 146.7 | No | 66.89 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146737 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 12386.5 | 12/30/2025 | 6.250% | DU | Manual Underwriting | No | 6.670% |  | 6.500% | 6.500% | $6225.87 | No | $11063.40 | $921.95 | $4712.04 | $392.67 | $600.00 | $50.00 | $0.00 | $7590.49 | $29985.49 | N/A | XXXX | XXXX | $50.00 | XXXX | Annually | 27.37% | 27.37% | 27.37% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 1 YR W2 | 1 YR W2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 1 | 2 | 1 | 2 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Audited | 12 | Accountant/Bookkeeper | Audited | Accountant/Bookkeeper | 12 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp, SECorporation, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, 1120), YTD Profit And Loss Verified, 1 YR W2 Verified, 2+ Months Paystubs Verified - ["2023","2024"] - 2023, 2024 \|\| Co Borrower - SESCorp, SECorporation - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, 1120), YTD Profit And Loss Verified, 1 YR W2 Verified, 2+ Months Paystubs Verified - ["2023","2024"] - 2023, 2024 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, 1120) - ["2023","2024"] - 2023, 2024 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, 1120) - ["2023","2024"] - 2023, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 706 |  |  |  |  |  |  |  |  | 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 | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 147868.30 | 19.5 | 147868.30 | 19.5 | No | 78.8 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146738 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1095 | 09/18/2025 | 6.320% | DU | Approve Ineligible | No | 6.048% |  | 6.000% | 6.000% | $5965.53 | No | $23654.40 | $1971.20 | $13883.04 | $1156.92 | $3200.04 | $266.67 | $0.00 | $9360.32 | $15526.01 | N/A | XXXX | XXXX | $266.67 | XXXX | Annually | 42.67% | 42.67% | 42.67% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 24 | 24 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 785 |  |  |  |  |  |  |  |  | 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 | Other | USA Patriot Act Disclosure | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 311000.13 | 33.2 | 311000.13 | 33.2 | No | 52.37 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146739 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 7559 | 11/05/2025 | 6.170% | DU | Approve Ineligible | No | 6.745% |  | 6.625% | 6.625% | $6403.11 | No | $9469.08 | $789.09 | $5313.00 | $442.75 | $849.96 | $70.83 | $0.00 | $7705.78 | $26481.62 | N/A | XXXX | XXXX | $70.83 | XXXX | Annually | 37.17% | 37.17% | 37.17% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 24 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 \|\| Co Borrower - Executed 4506T Verified | Borrower - Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 \|\| Co Borrower - Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 786 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT INFORMATION FORM | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 150163.02 | 19.5 | 150163.02 | 19.5 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146740 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 2144.49 | 11/12/2025 | 6.260% | DU | Approve Eligible | No | 6.421% |  | 6.375% | 6.375% | $5596.11 | No | $11859.00 | $988.25 | $2366.16 | $197.18 | $0.00 | $0.00 | $0.00 | $6781.54 | $17371.50 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 43.92% | 43.92% | 43.92% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS 1099 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 169 | 12 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage, Other REO Net Rental Income(Loss) - 2 YRS 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 783 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 140286.89 | 20.7 | 140286.89 | 20.7 | No | 66.69 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146741 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 0 | 12/24/2025 | 6.250% | LP | Accept | No | 6.250% |  | 6.250% | 6.250% | $5522.98 | No | $13282.92 | $1106.91 | $2445.00 | $203.75 | $0.00 | $0.00 | $0.00 | $6833.64 | $21516.06 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 30.21% | 30.21% | 30.21% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 22 | 22 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Commission - 2 YRS W2 Verified, Written VOE Verified, Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Executed 4506T Verified | Borrower - Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 328077.02 | 48 | 328077.02 | 48 | No | 54.04 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146742 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1895 | 11/28/2025 | 6.260% | LP | Accept | No | 6.143% |  | 6.125% | 6.125% | $10329.38 | No | $4970.40 | $414.20 | $5976.96 | $498.08 | $0.00 | $0.00 | $0.00 | $11241.66 | $64054.35 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 14.98% | 14.98% | 14.98% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 24 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Bonus - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 808 |  |  |  |  |  |  |  |  | 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 | Other | USA Patriot Act Disclosure | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1391950.05 | 123.8 | 1391950.05 | 123.8 | No | 43.8 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146743 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1495 | 11/26/2025 | 6.260% | LP | Accept | No | 6.301% |  | 6.250% | 6.250% | $7753.11 | No | $4077.00 | $339.75 | $1941.00 | $161.75 | $2955.96 | $246.33 | $0.00 | $8500.94 | $13265.66 | N/A | XXXX | XXXX | $246.33 | XXXX | Monthly | 44.31% | 44.31% | 44.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS W2 Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024"] - 2023, 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024"] - 2023, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 793 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 454326.32 | 53.4 | 454326.32 | 53.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146744 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 0 | 12/01/2025 | 6.190% | LP | Accept | No | 6.681% |  | 6.625% | 6.625% | $7786.18 | No | $7840.56 | $653.38 | $2417.04 | $201.42 | $0.00 | $0.00 | $0.00 | $8640.98 | $11795.45 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 43.61% | 43.61% | 43.61% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 12 | 12 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - ["2025"] - 2025 | Borrower - Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 817 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 35710.14 | 4.1 | 35710.14 | 4.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146745 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 0 | 12/09/2025 | 6.220% | DU | Approve Ineligible | No | 6.419% |  | 6.375% | 6.375% | $8883.91 | No | $3515.52 | $292.96 | $4650.00 | $387.50 | $1250.04 | $104.17 | $0.00 | $9668.54 | $35710.93 | N/A | XXXX | XXXX | $104.17 | XXXX | Annually | 27.55% | 27.55% | 27.55% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 0 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 36 | 36 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Wage - 2 YRS Personal Tax Returns Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 739 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 171306.58 | 17.7 | 171306.58 | 17.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146746 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 47097 | 12/11/2025 | 6.220% | LP | Accept | No | 6.633% |  | 6.375% | 6.375% | $12726.95 | No | $21203.88 | $1766.99 | $3747.96 | $312.33 | $1500.00 | $125.00 | $0.00 | $14931.27 | $68789.16 | N/A | XXXX | XXXX | $125.00 | XXXX | Annually | 23.84% | 22.85% | 22.85% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 2 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 43 | 12 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS Business Tax Returns Verified(1065), 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Business Tax Returns Verified(1065), 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 796 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1050040.59 | 70.3 | 1050040.59 | 70.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146747 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 7567.82 | 12/18/2025 | 6.270% | DU | Approve Ineligible | No | 6.799% |  | 6.750% | 6.750% | $12645.98 | No | $25032.84 | $2086.07 | $2550.24 | $212.52 | $2300.04 | $191.67 | $0.00 | $15136.24 | $34735.51 | N/A | XXXX | XXXX | $191.67 | XXXX | Annually | 37.51% | 37.79% | 37.79% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 808 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 352131.43 | 23.3 | 352131.43 | 23.3 | No | 74.99 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146748 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 0 | 09/23/2025 | 6.220% | DU | Approve Ineligible | No | 6.163% |  | 6.125% | 6.125% | $5928.76 | No | $6398.40 | $533.20 | $5175.00 | $431.25 | $549.96 | $45.83 | $0.00 | $6939.04 | $28588.38 | N/A | XXXX | XXXX | $45.83 | XXXX | Annually | 19.68% | 19.68% | 19.68% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified - ["2025"] - 2025 | Borrower - Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 776 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 388280.82 | 56 | 388280.82 | 56 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146749 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 19089 | 10/20/2025 | 6.240% | LP | Approve Ineligible | No | 5.990% |  | 5.875% | 5.875% | $12385.62 | No | $24868.44 | $2072.37 | $3955.32 | $329.61 | $0.00 | $0.00 | $0.00 | $14787.60 | $33420.50 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 32.32% | 32.36% | 32.36% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 2 YRS W2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | 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 | 28 | 36 | Other | Yes | 40 | 34 | Work Number | No | 0 |  | N/A | Borrower - Wage, Bonus - 2 YRS W2 Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 \|\| Co Borrower - Wage, Bonus - 2 YRS W2 Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 \|\| Co Borrower - Executed 4506T Verified, IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 347553.92 | 23.5 | 347553.92 | 23.5 | No | 72.83 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146750 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 2395 | 12/05/2025 | 6.190% | DU | Approve Eligible | No | 6.481% |  | 6.375% | 6.375% | $6862.56 | No | $23750.04 | $1979.17 | $8874.00 | $739.50 | $0.00 | $0.00 | $0.00 | $9581.23 | $16887.74 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 39.23% | 39.23% | 39.23% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 YR W2 | 1 YR W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | 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 | 12 | 12 | Other | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Commission - 1 YR W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - Wage - 1 YR W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified - ["2025"] - 2025 | Borrower - Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 767 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 312275.02 | 32.6 | 312275.02 | 32.6 | No | 57.89 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146751 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 7248.6 | 11/10/2025 | 6.260% | DU | Approve Eligible | No | 6.211% |  | 6.125% | 6.125% | $6045.72 | No | $16939.68 | $1411.64 | $1278.00 | $106.50 | $2716.68 | $226.39 | $0.00 | $7790.25 | $29250.01 | Yes | XXXX | XXXX | $226.39 | XXXX | Monthly | 27.52% | 26.78% | 26.78% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 2 YRS W2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 12 | 12 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, Written VOE Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 766 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 67291.19 | 8.6 | 67291.19 | 8.6 | No | 74.25 | No | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146752 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1575 | 11/10/2025 | 6.260% | DU | Approve Ineligible | No | 6.798% |  | 6.750% | 6.750% | $8250.17 | No | $2939.88 | $244.99 | $2708.04 | $225.67 | $0.00 | $0.00 | $5991.34 | $14712.17 | $23007.59 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 49.83% | 49.83% | 49.83% | No | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 1 YR W2 | 1 YR W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 23 | 23 | Work Number | Yes | 23 | 23 | Other | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2023","2025","2024"] - 2023, 2025, 2024 \|\| Co Borrower - Wage - 1 YR W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2023","2025","2024"] - 2023, 2025, 2024 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - ["2023","2025","2024"] - 2023, 2025, 2024 \|\| Co Borrower - Executed 4506T Verified, IRS Transcripts Verified - ["2023","2025","2024"] - 2023, 2025, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | United States of America (USA) | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 736674.91 | 50.1 | 736674.91 | 50.1 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146753 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 22393.8 | 12/08/2025 | 6.220% | DU | Approve Ineligible | No | 6.028% |  | 5.875% | 6.000% | $9937.83 | No | $29139.96 | $2428.33 | $4832.64 | $402.72 | $0.00 | $0.00 | $0.00 | $12768.88 | $64180.79 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 16.79% | 16.79% | 16.79% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 12 | 12 | Work Number | No | 0 |  | N/A | Borrower - SECorporation - 2 YRS W2 Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 796 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 740900.19 | 58 | 740900.19 | 58 | No | 63.88 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146754 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | Client Affirms Non-QM Status | 13525 | 11/12/2025 | 6.260% | DU | Approve Ineligible | No | 6.269% |  | 6.125% | 6.125% | $7534.37 | No | $32529.84 | $2710.82 | $6112.80 | $509.40 | $4500.00 | $375.00 | $0.00 | $11129.59 | $36720.09 | N/A | XXXX | XXXX | $375.00 | XXXX | Annually | 30.68% | 23.37% | 23.37% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Bonus - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 805 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1592569.95 | 143.1 | 1592569.95 | 143.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146755 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1490 | 11/12/2025 | 6.260% | LP | Manual Underwriting | No | 6.580% |  | 6.500% | 6.500% | $5520.46 | No | $13893.00 | $1157.75 | $985.32 | $82.11 | $1260.00 | $105.00 | $0.00 | $6865.32 | $13341.15 | N/A | XXXX | XXXX | $105.00 | XXXX | Monthly | 38.23% | 37.97% | 37.97% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 1 YR W2 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 1 | 1 | NA | NA | No | No | 240 | No | Yes | Yes | 3 | 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 | 34 | 34 | Work Number | Yes | 35 | 35 | Work Number | No | 0 |  | N/A | Borrower - Asset Depletion, Retirement, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR W2 Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified, Personal Bank Statements Verified, 1040 Schedule E Verified - ["2024","2025","2023"] - 2024, 2025, 2023 \|\| Co Borrower - Wage, Bonus - 1 YR Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025","2023"] - 2024, 2025, 2023 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 118567.64 | 17.3 | 118567.64 | 17.3 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146756 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1475 | 11/26/2025 | 6.260% | DU | Approve Ineligible | No | 6.540% |  | 6.500% | 6.500% | $6270.11 | No | $25039.56 | $2086.63 | $1245.60 | $103.80 | $0.00 | $0.00 | $0.00 | $8460.54 | $13017.62 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 40.61% | 40.61% | 40.61% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Bonus - 2 YRS Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 778 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 108301.37 | 12.8 | 108301.37 | 12.8 | No | 69.37 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146757 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 2225 | 11/14/2025 | 6.260% | LP | Approve Eligible | No | 6.346% |  | 6.250% | 6.250% | $7388.61 | No | $26594.28 | $2216.19 | $3027.96 | $252.33 | $0.00 | $0.00 | $0.00 | $9857.13 | $14118.58 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 37.01% | 47.41% | 47.41% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 YR W2 | 1 YR W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 1 YR W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 814 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1251123.54 | 126.9 | 1251123.54 | 126.9 | No | 58.54 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146758 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 2225 | 11/18/2025 | 6.230% | DU | Approve Ineligible | No | 6.451% |  | 6.375% | 6.375% | $8983.73 | No | $21438.00 | $1786.50 | $4441.92 | $370.16 | $1020.00 | $85.00 | $0.00 | $11225.39 | $13822.66 | N/A | XXXX | XXXX | $85.00 | XXXX | Monthly | 44.82% | 44.82% | 44.82% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 2 YRS W2 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024"] - 2024 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] - 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024"] - 2024 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] - 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 785 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 316454.90 | 28.2 | 316454.90 | 28.2 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146759 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 0 | 12/19/2025 | 6.270% | DU | Approve Ineligible | No | 6.277% |  | 6.125% | 6.125% | $5590.02 | No | $22767.24 | $1897.27 | $4308.36 | $359.03 | $1200.00 | $100.00 | $0.00 | $7946.32 | $23916.66 | N/A | XXXX | XXXX | $100.00 | XXXX | Annually | 36.05% | 32.77% | 32.77% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 12 | 12 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 785 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 411613.92 | 51.8 | 411613.92 | 51.8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146760 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 2225 | 12/15/2025 | 6.270% | LP | Accept | No | 6.300% |  | 6.250% | 6.250% | $7357.82 | No | $22415.64 | $1867.97 | $2232.00 | $186.00 | $11088.00 | $924.00 | $0.00 | $10335.79 | $44026.08 | N/A | XXXX | XXXX | $924.00 | XXXX | Monthly | 21.00% | 22.21% | 22.21% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 786 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 636054.36 | 61.5 | 636054.36 | 61.5 | No | 69.48 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146761 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 25293.95 | 12/10/2025 | 6.220% | DU | Approve Ineligible | No | 7.270% |  | 7.000% | 7.000% | $7014.95 | No | $5208.36 | $434.03 | $2223.00 | $185.25 | $2676.00 | $223.00 | $0.00 | $7857.23 | $16394.52 | N/A | XXXX | XXXX | $223.00 | XXXX | Monthly | 38.23% | 38.23% | 38.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Passport |  | XXXX | United Kingdom (UK) | XXXX | XXXX | XXXX | R-1 Visa |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 531227.93 | 67.6 | 531227.93 | 67.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146763 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 2325 | 12/12/2025 | 6.220% | DU | Approve Ineligible | No | 6.405% |  | 6.375% | 6.375% | $9482.82 | No | $15009.00 | $1250.75 | $12773.76 | $1064.48 | $0.00 | $0.00 | $0.00 | $11798.05 | $43393.28 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 23.44% | 23.44% | 23.44% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 2 | 2 |  |  | 1 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 12 | 12 | Work Number | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS W2 Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2025"] - 2025 \|\| Co Borrower - Wage - null Personal Tax Returns Verified, null Business Tax Returns Verified(1120S, K1), 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2025"] - 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, IRS Transcripts Verified - ["2025"] - 2025 \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, IRS Transcripts Verified - ["2025"] - 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 756 |  |  |  |  |  |  |  |  | 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 | Passport |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Passport |  | XXXX | XXXX | XXXX | United States of America (USA) | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1213774.46 | 102.9 | 1213774.46 | 102.9 | No | 29.23 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146764 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 21426.8 | 12/03/2025 | 6.190% | DU | Approve Ineligible | No | 6.134% |  | 5.875% | 5.875% | $6625.22 | No | $25599.12 | $2133.26 | $2779.56 | $231.63 | $5868.00 | $489.00 | $0.00 | $9479.11 | $18803.90 | Yes | XXXX | XXXX | $489.00 | XXXX | Monthly | 27.83% | 43.83% | 43.83% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Full Doc | 1 YR W2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | Yes | 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 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - Other - Executed 4506T Verified, Award Letter Verified - ["2025"] - 2025 | Borrower - Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 749 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 441576.80 | 46.6 | 441576.80 | 46.6 | No | 58.98 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146765 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 0 | 12/02/2025 | 6.190% | LP | Accept | No | 6.379% |  | 6.375% | 6.375% | $6238.70 | No | $13956.96 | $1163.08 | $3018.00 | $251.50 | $0.00 | $0.00 | $0.00 | $7653.28 | $39491.72 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 24.61% | 16.97% | 16.97% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Full Doc | 1 YR W2 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 1 YR W2 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 762 |  |  |  |  |  |  |  |  | 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 | Other | USA Patriot Act | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 169487.99 | 22.2 | 169487.99 | 22.2 | No | 57.64 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146766 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1885 | 12/05/2025 | 6.190% | LP | Accept | No | 6.663% |  | 6.625% | 6.625% | $11269.47 | No | $5937.72 | $494.81 | $5779.08 | $481.59 | $900.00 | $75.00 | $0.00 | $12320.87 | $60679.25 | N/A | XXXX | XXXX | $75.00 | XXXX | Annually | 25.50% | 25.50% | 25.50% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds,Proceeds from Sale | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 88109.13 | 7.2 | 88109.13 | 7.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146767 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 0 | 12/12/2025 | 6.220% | DU | Approve Ineligible | No | 6.630% |  | 6.625% | 6.625% | $5639.86 | No | $5177.76 | $431.48 | $1962.00 | $163.50 | $0.00 | $0.00 | $0.00 | $6234.84 | $13116.47 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 43.70% | 43.79% | 43.79% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 1YR Full Doc | 1 YR W2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 75760.04 | 12.2 | 75760.04 | 12.2 | No | 74.2 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146768 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1650 | 12/08/2025 | 6.220% | DU | Approve Ineligible | No | 6.434% |  | 6.375% | 6.375% | $10356.24 | No | $21234.60 | $1769.55 | $11434.20 | $952.85 | $0.00 | $0.00 | $0.00 | $13078.64 | $23214.36 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 37.67% | 37.67% | 37.67% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Full Doc | 1 YR W2 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 0 | 0 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 1 YR W2 Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 2 YRS IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 784 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1021398.59 | 78.1 | 1021398.59 | 78.1 | No | 44.86 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146769 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 2145 | 12/10/2025 | 6.220% | DU | Approve Ineligible | No | 6.684% |  | 6.625% | 6.625% | $11909.78 | No | $57411.96 | $4784.33 | $9570.00 | $797.50 | $0.00 | $0.00 | $0.00 | $17491.61 | $36122.61 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 37.04% | 37.04% | 37.04% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 48 | 24 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 731 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 186669.34 | 10.7 | 186669.34 | 10.7 | No | 79.15 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10146770 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 17646.44 | 12/16/2025 | 6.270% | DU | Approve Eligible | No | 6.423% |  | 6.250% | 6.250% | $6465.01 | No | $4454.28 | $371.19 | $5602.68 | $466.89 | $0.00 | $0.00 | $0.00 | $7303.09 | $8641.91 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 49.52% | 49.56% | 49.56% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 2 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS W2 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] - 2023, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] - 2023, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 778 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 312759.78 | 42.8 | 137572.07 | 18.8 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10065336 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | Client Affirms Non-QM Status | 8733.22 | 12/15/2025 | 6.270% | LP | Accept Eligible | No | 6.549% |  | 6.375% | 6.375% | $1419.30 | No | $3969.36 | $330.78 | $1325.52 | $110.46 | $300.00 | $25.00 | $0.00 | $1885.54 | $3431.16 | N/A | XXXX | XXXX | $25.00 | XXXX | Annually | 48.50% | 48.52% | 48.52% | Yes | Yes |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 1YR Full Doc | 1 YR 1099 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 35 | 35 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Retirement, SSI and Disability - 1 YR 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Award Letter Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SSI and Disability - 2 YRS Executed 4506T Verified, Award Letter Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 731 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 116079.26 | 61.6 | 116079.26 | 61.6 | No | 70 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10065296 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | Client Affirms Non-QM Status | 2571.95 | 11/14/2025 | 6.260% | DU | Accept Eligible | No | 6.113% |  | 5.999% | 5.999% | $2742.65 | No | $14945.52 | $1245.46 | $2483.52 | $206.96 | $6380.04 | $531.67 | $0.00 | $4726.74 | $18965.56 | Yes | XXXX | XXXX | $531.67 | XXXX | Annually | 40.14% | 40.14% | 40.14% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 12 | 12 | Work Number | Yes | 137 | 12 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage, Commission - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 780 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 329192.36 | 69.6 | 329192.36 | 69.6 | No | 75 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10065205 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 6564 | 12/09/2025 | 6.220% | LP | Accept | No | 6.992% |  | 6.875% | 6.875% | $1550.35 | No | $1876.08 | $156.34 | $870.60 | $72.55 | $0.00 | $0.00 | $0.00 | $1779.24 | $10886.45 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 34.05% | 34.05% | 34.05% | Yes | Yes |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 1YR Full Doc | 0 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | 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 | NA | 0 | 0 | N/A | Yes | 24 | 24 | Work Number | No | 0 |  | N/A | Borrower - N/A, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 801 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 24373.14 | 13.7 | 24373.14 | 13.7 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10065170 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 2235.08 | 11/06/2025 | 6.170% | LP | Accept | No | 7.583% |  | 7.250% | 7.250% | $2333.04 | No | $2707.92 | $225.66 | $1714.92 | $142.91 | $0.00 | $0.00 | $57.00 | $2758.61 | $13134.39 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 45.04% | 43.29% | 43.29% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Military and Government Assistance, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1) - ["2024","2023","2025"] - 2024, 2023, 2025 \|\| Co Borrower - SESCorp, Military and Government Assistance - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1) - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1) - ["2024","2023","2025"] - 2024, 2023, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1) - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 798 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 106592.66 | 38.6 | 106592.66 | 38.6 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10065315 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1140 | 11/07/2025 | 6.170% | DU | Manual Underwriting | No | 6.575% |  | 6.500% | 6.500% | $2844.31 | No | $1548.00 | $129.00 | $1631.04 | $135.92 | $0.00 | $0.00 | $0.00 | $3109.23 | $9625.52 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 38.16% | 37.90% | 37.90% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 36 | 36 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 805 |  |  |  |  |  |  |  |  | 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 | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 802907.82 | 258.2 | 802907.82 | 258.2 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10065198 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | Qualifying DTI Exceeds 43% | 12923 | 12/06/2025 | 6.190% | DU | Approve Eligible | No | 6.650% |  | 6.375% | 6.375% | $3533.60 | No | $4992.00 | $416.00 | $1608.96 | $134.08 | $0.00 | $0.00 | $0.00 | $4083.68 | $7190.13 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 40.74% | 44.55% | 44.55% | Yes | Yes |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Other, SSI and Disability, Retirement - 2 YRS Executed 4506T Verified, Award Letter Verified - ["2025"] - 2025 \|\| Co Borrower - SSI and Disability - 2 YRS Executed 4506T Verified, Award Letter Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Other | IDENTITY STATEMENT | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 154582.80 | 37.9 | 154582.80 | 37.9 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10065169 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1595 | 11/21/2025 | 6.230% | LP | Accept | No | 7.734% |  | 7.625% | 7.625% | $3397.41 | No | $8728.68 | $727.39 | $1307.04 | $108.92 | $8400.00 | $700.00 | $0.00 | $4933.72 | $26079.33 | Yes | XXXX | XXXX | $700.00 | XXXX | Monthly | 23.69% | 25.46% | 25.46% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 12 | 12 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 785 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 8246.03 | 1.7 | 8246.03 | 1.7 | No | 80 | No | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10065340 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 10113.5 | 10/31/2025 | 6.160% | LP | Accept | No | 6.329% |  | 6.125% | 6.125% | $3998.08 | No | $5181.00 | $431.75 | $2399.16 | $199.93 | $0.00 | $0.00 | $0.00 | $4629.76 | $39139.03 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 23.57% | 23.66% | 23.66% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 YR W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10065251 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 7082.5 | 11/06/2025 | 6.170% | DU | Approve Eligible | No | 6.293% |  | 6.125% | 6.125% | $3759.59 | No | $1670.16 | $139.18 | $2969.04 | $247.42 | $519.96 | $43.33 | $0.00 | $4189.52 | $29139.21 | N/A | XXXX | XXXX | $43.33 | XXXX | Annually | 36.18% | 36.18% | 36.18% | Yes | Yes |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Commission - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 745 |  |  |  |  |  |  |  |  | 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 | Other | USA PATRIOT ACT | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 14804.06 | 3.5 | 14804.06 | 3.5 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10065268 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 2496.15 | 11/17/2025 | 6.230% | DU | Approve Eligible | No | 6.256% |  | 6.125% | 6.125% | $1959.54 | No | $6987.24 | $582.27 | $2670.00 | $222.50 | $390.96 | $32.58 | $0.00 | $2796.89 | $28423.67 | N/A | XXXX | XXXX | $32.58 | XXXX | Annually | 27.06% | 26.44% | 26.44% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 12 | 12 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 774 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 128753.48 | 46 | 128753.48 | 46 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10065329 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1835 | 10/28/2025 | 6.160% | LP | Accept | No | 6.883% |  | 6.750% | 6.750% | $1952.28 | No | $7281.60 | $606.80 | $11346.48 | $945.54 | $0.00 | $0.00 | $0.00 | $3504.62 | $23430.52 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 28.01% | 28.94% | 28.94% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 35 | 35 | Other | Yes | 35 | 35 | Other | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 714 |  |  |  |  |  |  |  |  | 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 | Other | Notarized Identification Affidavit | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Other | Notarized Identification Affidavit | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 609818.54 | 174 | 609818.54 | 174 | No | 70 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10065162 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 0 | 11/03/2025 | 6.170% | DU | Approve Eligible | No | 6.738% |  | 6.500% | 6.500% | $2705.25 | No | $1304.88 | $108.74 | $1563.96 | $130.33 | $0.00 | $0.00 | $64.20 | $3008.52 | $10086.88 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 41.06% | 41.06% | 41.06% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 2 YRS W2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 9540.34 | 3.2 | 11259.06 | 3.7 | No | 81.52 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10065258 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 850 | 12/03/2025 | 6.190% | DU | Approve Eligible | No | 6.710% |  | 6.625% | 6.625% | $1507.93 | No | $5418.72 | $451.56 | $687.00 | $57.25 | $3260.04 | $271.67 | $0.00 | $2288.41 | $19607.20 | N/A | XXXX | XXXX | $271.67 | XXXX | Annually | 39.24% | 39.23% | 39.23% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 1 YR W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 60 | 36 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | Borrower - 1 YR Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 753 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 796415.27 | 348 | 796415.27 | 348 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10065257 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 0 | 11/24/2025 | 6.260% | LP | Accept | No | 6.699% |  | 6.625% | 6.625% | $3913.90 | No | $2238.84 | $186.57 | $494.04 | $41.17 | $14676.00 | $1223.00 | $0.00 | $5364.64 | $9903.20 | Yes | XXXX | XXXX | $1223.00 | XXXX | Monthly | 44.98% | 44.98% | 44.98% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 YR W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Retirement - 1 YR W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, Award Letter Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 773 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 14975.70 | 2.8 | 14975.70 | 2.8 | No | 75 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 10065213 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 4635 | 12/01/2025 | 6.190% | LP | Accept | No | 7.582% |  | 7.375% | 7.375% | $2237.79 | No | $7826.52 | $652.21 | $1612.08 | $134.34 | $0.00 | $0.00 | $199.00 | $3223.34 | $13660.29 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 30.07% | 30.07% | 30.07% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 60 | 24 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Commission - Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 798 |  |  |  |  |  |  |  |  | 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 |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  | Fee Simple |  | No | No | N/A | 982378.28 | 304.8 | 982378.28 | 304.8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |

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## Exhibit 99.4

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm-abs15g.htm)

**Exhibit 99.4 - Schedule 5**

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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** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 9983912 |  | 9983912 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.9 | 89.9 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible | 2.6 | XXXX |
| 9983913 |  | 9983913 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 9983914 |  | 9983914 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible |  | XXXX |
| 9983915 |  | 9983915 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.57 | 89.57 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 9983916 |  | 9983916 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 9983917 |  | 9983917 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.9 | 89.9 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | XXXX | XXXX | -.0145 | XXXX | 1004 URAR | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 9983918 |  | 9983918 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.7 | XXXX |
| 9983919 |  | 9983919 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | XXXX | XXXX | -.0008 | XXXX | 1004 URAR | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible |  | XXXX |
| 9983920 |  | 9983920 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible | 2.6 | XXXX |
| 9983921 |  | 9983921 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 9983922 |  | 9983922 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.9 | 89.9 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| 9983923 |  | 9983923 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 88.89 | 88.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.4 | XXXX |
| 9983924 |  | 9983924 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.9 | 89.9 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 9983925 |  | 9983925 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.91 | 89.91 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.5 | XXXX |
| 9983926 |  | 9983926 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.3 | XXXX |
| 9983927 |  | 9983927 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | -.0338 | AVM |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0338 | 4.0 | 0.96 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 4.7 | XXXX |
| 9983928 |  | 9983928 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.55 | 89.55 | XXXX | XXXX | .0078 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.1 | XXXX |
| 9983929 |  | 9983929 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 9983930 |  | 9983930 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| 9983931 |  | 9983931 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 83.21 | 83.21 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 9983932 |  | 9983932 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 87.5 | 87.5 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.5 | XXXX |
| 9983933 |  | 9983933 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1.5 | XXXX |
| 9983934 |  | 9983934 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 9983935 |  | 9983935 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 9983936 |  | 9983936 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.95 | 89.95 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.1 | XXXX |
| 9983938 |  | 9983938 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 9983939 |  | 9983939 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.92 | 89.92 | XXXX | XXXX | .0236 | AVM |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | .0236 | 3.0 | 0.97 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.3 | XXXX |
| 9984822 |  | 9984822 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | -.0241 | XXXX |  |  |  |  |  |  |  | XXXX | 1.8 | XXXX |
| 10110559 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.6 | XXXX |
| 10110560 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .1196 | 1004 URAR |  |  |  |  | XXXX | XXXX | .1196 | XXXX | 1004 URAR | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10110561 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 62.75 | 62.75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX | .0070 | XXXX | 1004 URAR | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10110562 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.98 | 69.98 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 10110563 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 48.25 | 48.25 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10110565 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.33 | 79.33 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10110566 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 77.75 | 77.75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.7 | XXXX |
| 10110567 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.65 | 60.65 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 10110568 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 31.34 | 31.34 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 10110569 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.9 | XXXX |
| 10110570 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 10110571 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 68.01 | 68.01 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 10110572 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10110573 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10110574 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 10110575 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 10110576 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 78.69 | 78.69 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 3.1 | XXXX |
| 10110577 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.2 | XXXX |
| 10110578 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 10110579 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10110580 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 45.82 | 45.82 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10110581 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10110582 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 55.08 | 55.08 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10110583 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.1 | XXXX |
| 10110584 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 | XXXX |
| 10110585 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 50.55 | 50.55 | XXXX | XXXX | -.0161 | AVM |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0161 | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 10110586 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 58.33 | 58.33 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | .0130 | XXXX | 1004 URAR | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.4 | XXXX |
| 10110587 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.6 | XXXX |
| 10110588 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.4 | XXXX |
| 10110589 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.5 | XXXX |
| 10110590 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10110591 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10110592 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.46 | 75.46 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible |  | XXXX |
| 10110593 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 50.44 | 50.44 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10110594 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10110595 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 10110596 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.2 | 70.2 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10110597 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.8 | XXXX |
| 10110598 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.27 | 67.27 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10110599 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 78.98 | 78.98 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10110600 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 76.92 | 76.92 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | -.0385 | XXXX | Moderate risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 10110601 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 53.35 | 53.35 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.1 | XXXX |
| 10110603 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.3 | XXXX |
| 10110604 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.1 | XXXX |
| 10110606 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 51.96 | 51.96 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 10110608 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10110609 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 10110610 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.22 | 65.22 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10110611 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 10110612 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 58.82 | 58.82 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 10110613 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1.5 | XXXX |
| 10110614 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 66.67 | 66.67 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX | .0017 | AVM | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | .0017 | 96.0 | 0.04 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10110615 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 77.78 | 77.78 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10110616 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 79.86 | 79.86 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible | 1 | XXXX |
| 10110617 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.5 | XXXX |
| 10146712 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10146713 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0231 | Broker Price Opinion (BPO) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | .0231 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 4 | XXXX |
| 10146714 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 61.29 | 61.29 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.2 | XXXX |
| 10146715 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 10146716 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible | 1 | XXXX |
| 10146717 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 10146718 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 10146719 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 10146720 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 72.67 | 72.67 | XXXX | XXXX | -.0758 | AVM |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0758 | 0.0 | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10146721 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 78.74 | 78.74 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 10146722 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.2 | 79.2 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 2.6 | XXXX |
| 10146723 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 10146724 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 59.58 | 59.58 | XXXX | XXXX | -.0762 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | -.0762 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 10146725 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1.7 | XXXX |
| 10146726 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| 10146727 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 10146728 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.7 | XXXX |
| 10146729 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 10146730 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0006 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | -.0006 | XXXX | Average | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10146731 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.2 | XXXX |
| 10146732 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible |  | XXXX |
| 10146733 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.5 | XXXX |
| 10146734 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible | 1.4 | XXXX |
| 10146735 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 78.25 | 78.25 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.6 | XXXX |
| 10146736 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 66.89 | 66.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0257 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 | XXXX |
| 10146737 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 78.8 | 78.8 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible |  | XXXX |
| 10146738 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 52.37 | 52.37 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 10146739 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible |  | XXXX |
| 10146740 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 66.69 | 66.69 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible |  | XXXX |
| 10146741 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 54.04 | 54.04 | XXXX | XXXX | -.0580 | AVM | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0580 | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10146742 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 43.8 | 43.8 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 4.1 | XXXX |
| 10146743 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible | 2.3 | XXXX |
| 10146744 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| 10146745 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10146746 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1.6 | XXXX |
| 10146747 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.99 | 74.99 | XXXX | XXXX | .0563 | AVM |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | .0563 | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10146748 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0151 | AVM |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0151 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10146749 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 72.83 | 72.83 | XXXX | XXXX | .0783 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | .0783 | XXXX | 1004 URAR | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.2 | XXXX |
| 10146750 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 57.89 | 57.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0269 | 78.0 | 0.04 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.2 | XXXX |
| 10146751 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 74.25 | 74.25 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible | 1 | XXXX |
| 10146752 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible | 2.1 | XXXX |
| 10146753 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 63.88 | 63.88 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.9 | XXXX |
| 10146754 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.9 | XXXX |
| 10146755 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10146756 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.37 | 69.37 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 10146757 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 58.54 | 58.54 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| 10146758 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| 10146759 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| 10146760 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.48 | 69.48 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible | 1 | XXXX |
| 10146761 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0071 | AVM | XXXX | XXXX | -.0895 | Desk Review | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | .0071 | 97.0 | 0.03 | XXXX | XXXX | XXXX | XXXX | XXXX | -.0895 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 3.6 | XXXX |
| 10146763 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.23 | 29.23 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10146764 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 58.98 | 58.98 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0495 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 5 | XXXX |
| 10146765 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 57.64 | 57.64 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| 10146766 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.3 | XXXX |
| 10146767 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.2 | 74.2 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10146768 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 44.86 | 44.86 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.7 | XXXX |
| 10146769 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.15 | 79.15 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible |  | XXXX |
| 10146770 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10065336 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 10065296 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible | 1.8 | XXXX |
| 10065205 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 2.9 | XXXX |
| 10065170 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 10065315 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 | XXXX |
| 10065198 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible | 1 | XXXX |
| 10065169 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0240 | AVM |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | .0240 | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 10065340 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 10065251 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 10065268 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 10065329 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 10065162 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 81.52 | 81.52 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.1 | XXXX |
| 10065258 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 10065257 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible |  | XXXX |
| 10065213 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible | 1 | XXXX |

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